Located in New Castle County, the historic city of Newark, Delaware, is home to the University of Delaware — the state’s largest university. Even with more than 23,00 students who attend the college, Newark still has lower full-coverage car insurance rates than the Delaware average.

Several auto insurance companies offer affordable policies for drivers in Newark, Delaware. The best insurer for you will depend on your coverage needs and driver profile.

Quick Facts

Newark is a small city, with a population of 30,453. A city’s size can have an effect on car insurance rates.
Newark residents pay 25% less for auto coverage than drivers in nearby Wilmington.
Delaware insurers can use your credit history when determining your insurance premium.^[1]

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Best car insurance companies in Newark

While the cheapest car insurance coverage may serve as the best option for many drivers, the right policy for you ultimately depends on your unique situation and needs. For instance, you may feel more comfortable with higher coverage levels than a basic policy provides. In this case, purchasing more expensive auto coverage could make sense.

Best insurer for liability-only coverage: USAA

Liability-Only CoverageUSAA

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$58/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$82/mo

Overview

USAA offers affordable policies in Newark for U.S. service members and eligible family members. On average, it has the cheapest auto coverage of all insurers in the state, making it a great choice if you meet the membership requirements.

Customers can get several discounts, including good student, multi-vehicle, and bundling discounts. You can also easily access your policy anytime through the USAA mobile app.

Pros and cons

Pros

Affordable coverage
Multiple discounts available

Cons

Gap insurance not available
Only for qualifying service members and their families

Reviews

They are the best in customer service.

Brenda - September 13, 2023

Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

Great operation since I was a Lt.

raymond - September 7, 2023

Verified

Read our USAA review

Best insurer for families: State Farm

familiesState Farm

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$89/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$126/mo

Overview

State Farm is a good choice for Newark drivers looking for cheap coverage. While you’ll pay more for coverage than you would with USAA, you can access several discounts that could lower your monthly auto insurance costs. Policyholders benefit from multiple safe driver discounts, as well as multi-vehicle and bundling discounts. Families with multiple insurance products can benefit from bundling discounts. The company offers savings opportunities for teenagers, too.

Pros and cons

Pros

A++ (Superior) A.M. Best financial strength rating
Multiple discounts available

Cons

Slightly more expensive than USAA
Coverage costs likely to increase if you have past driving infractions

Reviews

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023

Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023

Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023

Verified

Read our State Farm review

Best insurer for full coverage: GEICO

full coverage GEICO

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	835
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$112/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$158/mo

Overview

GEICO is an affordable insurance company offering auto coverage in Newark. This insurer offers a broad range of discounts for customers, and it even advertises the overall percentage discount you may receive for certain actions or vehicle features. For instance, you could save up to 25% on your monthly premiums for insuring multiple vehicles or 22% for being accident-free for five years.

Pros and cons

Pros

16 available discounts
Below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)

Cons

Limited agent network
Gap insurance not available

Reviews

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023

Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023

Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023

Verified

Read our GEICO review

Cheapest liability-only car insurance in Newark

Drivers seeking liability-only coverage in Newark, Delaware, have several affordable options to choose from. Liability-only insurance may provide enough coverage if you have an older, high-mileage vehicle. It’s cheaper than full-coverage insurance, but it also provides less protection for your vehicle.

With a liability-only policy, your insurance will kick in if you injure another driver in an at-fault accident or damage someone else’s property. It won’t cover any of your vehicle damages or medical expenses following an accident.^[2]

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
USAA	58
State Farm	89
GEICO	112
Midvale Home & Auto	132
National General	134
Travelers	138
Progressive	161
Liberty Mutual	165
CSAA	179
Nationwide	187
Dairyland	189
Allstate	191
Direct Auto	222

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Newark

Full-coverage car insurance offers more vehicle protection and financial security than liability coverage, making it a smart choice if you drive a newer vehicle. It includes collision and comprehensive coverage, which pay for your vehicle damage following an accident or non-collision incident, including vandalism, fire, and severe weather.

Find cheap car insurance rates for Newark drivers with full coverage below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
USAA	82
State Farm	126
GEICO	158
Midvale Home & Auto	187
Travelers	189
Progressive	227
Nationwide	229
National General	233
CSAA	249
Liberty Mutual	258
Allstate	269
Direct Auto	329
Dairyland	334

Estimate your insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 30%

I’m a homeowner

Save 8%

I’m married

Save 24%

I have multiple cars

Save 39%

Car insurance requirements in Delaware

Delaware isn’t a no-fault car insurance state, but it does require drivers to purchase personal injury protection (PIP) coverage in addition to the minimum liability insurance requirements. PIP coverage can pay for your medical bills following an accident — regardless of fault. That said, drivers can still sue an at-fault driver for damages after an automobile accident.^[3]

The state also requires drivers to purchase a minimum amount of bodily injury and property damage liability insurance to cover any damage or injury they cause in an accident. You can find the specific requirements below.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person and $50,000 per accident
Property damage liability	$10,000 per accident
Personal injury protection (PIP)	$15,000 per person and $30,000 per accident

If you prefer to have more insurance than a basic auto policy provides, you can choose to purchase optional coverage. Common insurance add-ons include the following:

Collision coverage
This policy type covers damages to your car caused by a motor vehicle accident, regardless of fault.
Comprehensive coverage
If a non-collision incident damages your vehicle, this coverage can kick in. It typically applies to incidents outside of your control, like theft, vandalism, severe weather, or fire.
Uninsured/underinsured motorist coverage
If you have an accident with a driver without adequate coverage, uninsured/underinsured motorist coverage can apply.

Cheapest car insurance for drivers with an incident

People with a driving history free of at-fault accidents, speeding tickets, DUIs, or other moving violations typically earn the cheapest car insurance rates. These incidents typically increase your monthly auto insurance premiums, often significantly. Your insurance company may view you as a high risk to insure and pass that cost to you in the form of higher prices.^[4]

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Cheapest car insurance for drivers with a speeding ticket

You can expect to pay more for car insurance coverage in Newark, Delaware, if you have a speeding ticket on your record. If you have several speeding tickets, your insurance costs may increase even more. In general, it’s smart to avoid speeding if you want to keep your car insurance expenses low. Always pay attention to posted speed limits, and check your speedometer periodically.

Here’s what you can expect to pay for car insurance in Newark if you have a speeding ticket on your record.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
USAA	111	79
State Farm	171	121
GEICO	214	152
Midvale Home & Auto	254	179
Travelers	256	187
Progressive	308	218
Nationwide	311	254
National General	316	182
CSAA	338	243
Liberty Mutual	350	224
Allstate	365	259
Direct Auto	446	301
Dairyland	453	256

Cheapest car insurance for drivers with an at-fault accident

Newark drivers with at-fault accidents on their record can also expect higher monthly premiums. Again, your insurance company may view you as a high risk to insure if you’ve had past accidents — especially if they resulted in costly claims. You can try lowering your premium by taking a safe driving course if your insurance company offers a related discount.

Here are the cheapest average car insurance rates for Newark, Delaware, drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
USAA	109	77
State Farm	168	118
GEICO	210	149
Midvale Home & Auto	249	176
Travelers	252	184
Progressive	302	214
Nationwide	305	249
National General	310	178
CSAA	331	238
Liberty Mutual	343	220
Allstate	358	254
Direct Auto	438	295
Dairyland	444	252

Cheapest car insurance for drivers with a DUI

You’ll likely pay the most for car insurance coverage if you’ve received a driving under the influence charge. DUIs typically represent high levels of risk for insurance companies, so your insurance costs may increase significantly.

If you have a DUI on your record, here are some of the cheapest car insurance policies available in Newark, Delaware.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
USAA	111	78
State Farm	170	120
GEICO	213	151
Midvale Home & Auto	252	178
Travelers	255	186
Progressive	306	217
Nationwide	309	252
National General	314	181
CSAA	336	242
Liberty Mutual	348	223
Allstate	363	258
Direct Auto	444	300
Dairyland	451	255

Cheapest car insurance for seniors

Your age influences how much you pay for car insurance. In general, you’ll pay the lowest rates for auto insurance coverage between your mid-30s and around when you turn 75. Rates can begin to increase slightly after the age of 75 due to increased physical vulnerabilities associated with aging.
Find the cheapest rates for senior drivers in Newark, Delaware, below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
USAA	39	28
State Farm	61	43
GEICO	76	54
Midvale Home & Auto	90	63
Travelers	91	66
Progressive	109	77
Nationwide	110	90
National General	112	64
CSAA	120	86
Liberty Mutual	124	79
Allstate	129	92
Direct Auto	158	107
Dairyland	160	91

Cheapest car insurance for teens

Teenage drivers often face expensive car insurance rates because insurers view them as high risk due to their inexperience. Still, if you’re a new driver seeking coverage in Newark, you can work on earning a lower rate in a few different ways:^[5]

Stay on your parents’ insurance. You’ll generally pay lower monthly premiums if you stay on your parents’ auto policy instead of getting coverage on your own.
Get a safe car. Opting for a car with high safety ratings may help you get cheaper coverage. Cars with certain safety features could also earn you a discount on your policy.
Earn a good student discount. Many insurers offer good student discounts if you maintain a certain GPA.

Find the cheapest average rates for young drivers in Newark, Delaware, below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
USAA	153	108
State Farm	235	166
GEICO	295	209
Midvale Home & Auto	349	247
Travelers	353	258
Progressive	424	301
Nationwide	428	349
National General	435	250
CSAA	465	334
Liberty Mutual	482	308
Allstate	502	357
Direct Auto	614	415
Dairyland	624	353

How to get the cheapest car insurance in Newark

Car insurance companies look at several factors when determining your insurance rates, including your driving record, age, location, and more. If you’re looking for cheap car insurance in Newark, the following tips could help you get the quality coverage you want:

Maintain a clean driving record. You should focus on maintaining a clean record, as this will make cheap car insurance coverage more accessible to you. Obey the rules of the road, and don’t drive under the influence.
Compare coverage options. It’s wise to compare insurance coverage from top companies, as the first insurer you consider won’t necessarily offer the best rate and coverage for your needs.
Research available discounts. Discounts vary depending on the insurer, so compare available discounts as you shop around for car insurance coverage. For instance, bundling discounts are common if you buy multiple insurance products from the same insurer, such as home insurance, auto insurance, or life insurance.^[6]

Find Car Insurance in Newark, Delaware

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Newark car insurance quotes by credit tier

Your credit score can also affect the cost of your car insurance coverage. Overall, drivers with excellent or good credit scores pay less for car insurance than people with poor credit scores. Improving your credit score could help you reduce your insurance costs.

Below are the average monthly rates for full-coverage insurance in Newark, Delaware, by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Newark?

Drivers in Newark, Delaware, pay an average of $307 per month for car insurance, which exceeds the national average rate of $212. And, at $300 per month for auto coverage, Delaware drivers pay more for coverage than people in some nearby states. For instance, New Hampshire drivers pay just $108 per month, on average, for car insurance.

Full-coverage insurance is slightly cheaper in Newark than it is statewide, but liability-only coverage is slightly more expensive in Newark than throughout the rest of Delaware. Overall, the rates in Newark resemble the state’s average rates. Where you live in Delaware, including the city and ZIP code, can determine how much you pay for coverage.

More cities in Delaware

Drivers in other Delaware cities pay more for full-coverage insurance than drivers in Newark, on average. For instance, if you move from Newark to Wilmington, your monthly premiums could increase by up to 25%. Newark drivers pay an average of $321 per month for full coverage.

See how rates in other Delaware cities compare to average rates in Newark below.

City	Average Monthly Quote	Compared to Newark
Dover	$334	4%
New Castle	$366	14%
Wilmington	$402	25%

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Newark car insurance FAQs

Deciding on the right kind of car insurance policy — and how much coverage you need — is crucial when shopping around for auto coverage. The information below should answer your remaining questions and help you navigate the process of buying car insurance in Newark.

How much is car insurance in Newark, Delaware?
Car insurance in Newark costs an average of $307 per month. On average, drivers in the city pay $293 per month for liability insurance and $321 for full-coverage insurance. Your specific rate will depend on your age, credit history, driving record, insurer, marital status, gender, and more.
What are the best car insurance companies in Newark?
With an Insurify Quality (IQ) Score of 4.4 and an A.M. Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Newark. Other top insurers include USAA and GEICO.
What are the penalties for driving without insurance in Delaware?
If you’re caught driving while uninsured in Delaware, you’ll face a fine of at least $1,500 for your first offense as well as a six-month suspension of your driver’s license. Additional offenses within three years of the initial offense result in a fine of $3,000 and suspension of your driver’s license.^[7]
Can you insure a car in your name if you don’t own it in Delaware?
You typically can’t insure a car in your name if you don’t own it. However, you can purchase a non-owner car insurance policy to provide liability coverage if you have an accident while driving a vehicle you don’t own.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

More cities in Delaware

Car insurance in Dover

Popular cities

Sources

Delaware Department of Insurance. "Understanding How Insurers Use Credit Information." Accessed July 18, 2023
Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 18, 2023
NOLO. "Delaware Car Insurance Requirements." Accessed July 18, 2023
Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 18, 2023
Insurance Information Institute. "Background On: Teen drivers." Accessed July 18, 2023
Insurance Information Institute. "How to save money on car insurance." Accessed July 18, 2023
Delaware Department of Motor Vehicles. "Vehicle Liability Insurance FAQs." Accessed July 18, 2023

Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Learn More

Edited byKatie PowersAuto and Life Insurance Editor

Katie PowersAuto and Life Insurance Editor

Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Newark, Delaware

Best car insurance companies in Newark

Best insurer for liability-only coverage: USAA

Liability-Only CoverageUSAA

Best insurer for families: State Farm

familiesState Farm

Best insurer for full coverage: GEICO

full coverage GEICO

Cheapest liability-only car insurance in Newark

Cheapest full-coverage car insurance in Newark

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Delaware

Collision coverage

Comprehensive coverage

Uninsured/underinsured motorist coverage

Cheapest car insurance for drivers with an incident

Find Car Insurance in Newark, Delaware

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Newark

Find Car Insurance in Newark, Delaware

Newark car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Newark?

More cities in Delaware

Newark car insurance FAQs

Methodology

Related articles

More cities in Delaware

Popular cities

Sources

Compare Car Insurance Quotes Instantly

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