Cheap Auto Insurance in Newark, New Jersey (2025)
NJM offers the cheapest car insurance for Newark drivers, with minimum coverage starting at $117 per month.
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Table of contents
Newark drivers face much higher car insurance rates than the New Jersey state averages and national averages. If you live in Newark, you can expect to pay an average of $288 per month for full coverage and $176 per month for liability only in the Gateway City.
By comparison, average car insurance costs in the Garden State are $167 for full coverage and $134 for liability only. Nationally, the averages are $199 per month for full-coverage car insurance and $105 for liability-only policies.
Multiple factors make Newark's car insurance costs higher than average, including its high population density, which can lead to road congestion and accidents, a high rate of vehicle theft, New Jersey's no-fault insurance laws, and the city's proximity to Manhattan. But Newark drivers can save money by comparing car insurance quotes to find the best deal available to them.
Quick Facts
Teen drivers in New Jersey can’t obtain their permanent license until age 18.
New Jersey is a no-fault state, which means your insurance pays for your own damages and injuries, regardless of who caused an accident.
New Jersey allows drivers to choose insurance coverages that allow more options for personal lawsuits in the event of an accident.
Best car insurance companies in Newark
Choosing an insurance company to protect your vehicle is an important decision. While most insurance companies offer similar products, each sets its own car insurance rates, level of coverage, and discounts. Your needs will also vary from someone else who uses the same insurance company since your credit scores, driving history, marital status, and coverage needs are likely different.
As you compare rates and companies, look for a balance between rate and benefits to find the best fit for your family. Here are three insurers you can review to get started.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| NJM | 9.4 | $128 | $80 | Low rates |
| GEICO | 9.0 | $162 | $101 | Drivers with DUIs |
| Plymouth Rock | N/A | $140 | $94 | Discounts |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: NJM
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| 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. | $117/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. | $192/mo |
4.1
Best choiceBased on 38 verified guest reviews and ratings
How drivers feel about NJ Manufacturers
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
How drivers feel about NJ Manufacturers
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
Reviews (9)
Edmund A
February 8, 2025
Verified Review
Online shopping is not as easy and complete as advertised. Some policies cost more.
NJM offers a one-year policy. All other companies I have checked offer six-month policies. I prefer one-year policies.
Lisa
January 6, 2025
Verified Review
Look Elsewhere After a Year
Considering they increased my insurance by $30, I'm switching because I can't afford to pay $178. That's why I'm switching.
Daniel
November 1, 2024
Verified Review
Don't Forget to Shop Around
Keep shopping around. All insurance companies are rip-offs for safe drivers like myself.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.19A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
NJM offers a range of insurance products, including home and auto, personal umbrella, and business insurance. It serves customers across the northeast and offers the lowest rates in Newark.
Pros
High customer service rating
Policyholders earn dividend payouts
Cons
Policy management not available in the app
Only available in mid-Atlantic states
Best insurer for drivers with a DUI: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $149/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. | $245/mo |
4.0
Best choiceBased on 10,691 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,882)
Mitchell
February 19, 2025
Verified Review
Geico Review
I have been with Geico for many years and am disappointed with their prices.
Godfrey
February 19, 2025
Verified Review
Very Expensive
Very expensive.
Brandon
February 18, 2025
Verified Review
Poor Theft Coverage
What's the point of having theft coverage if you still have to pay for all the damages caused and any towing fees or impound charges?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is one of the largest insurance companies in the United States. Over the years, it has expanded its insurance products to include a range of offerings, including homeowners, renters, auto, boat, and business insurance. If you’re convicted of a DUI, GEICO may be willing to insure you, and while your rates will increase, they should lower again once the DUI leaves your record.
Pros
Multiple discount options
Reliable app for easy account management
Cons
Doesn’t cover rideshare drivers
No bundling of auto and life insurance policies
Best insurer for discounts: Plymouth Rock
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
| 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. | $132/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. | $202/mo |
3.7
A solid optionBased on 223 verified guest reviews and ratings
How drivers feel about Plymouth Rock
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
How drivers feel about Plymouth Rock
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
Reviews (113)
Leni
February 18, 2025
Verified Review
Not the Best
It's expensive. The rate increases by 10% every year even without any claims or accidents.
Paul
December 16, 2024
Verified Review
Plymouth Rock
They are good, but they raised the rates.
Christine
November 2, 2024
Verified Review
Plymouth Rock
The coverage is fine, but the insurance just keeps going up and up, and I haven't had any accidents.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
789NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Founded in 1982, Plymouth Rock sells traditional insurance products directly to consumers. Plymouth Rock manages more than $1.7 billion in home and auto premiums. The company covers drivers in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania. You can lower your rates with Plymouth Rock by taking advantage of the discounts available, including multi-car, bundling, safe driver, and more.
Pros
Good discount options
Loyal customers can earn perks
Cons
Limited coverage area
Discounts and coverage can vary by state
How to get the cheapest car insurance in Newark
Finding affordable car insurance takes a little bit of leg work, but once you know how insurance companies determine their rates, you can hunt for the best rates available to you.
Some of the most common things that insurance companies consider when setting rates for coverage include your credit score, driving history, gender, age, location, and the average amount of time you spend on the road. Male teens typically pay higher rates than females.
While you can’t control some of the factors used to set rates, you have a few ways to lower your insurance costs:
Choose a vehicle with high safety standards. Some insurance companies offer discounts and lower rates for vehicles with high safety ratings and extra safety features, like rear cameras.
Bundle multiple policies. Consider bundling your homeowners insurance, renters insurance, and auto policy with the same company. You can also bundle policies for your car and recreational vehicles.
Look for discounts with a local organization. Check with the AARP, your employer, or other programs to see if they partner with any insurance companies for discounted rates.
Compare car insurance quotes and coverage from multiple companies. If you want to find the best prices for auto insurance, compare prices and coverage options from two or three different companies. Comparing rates is particularly important if you have unique coverage needs, like a DUI or teen driver.
Cheapest liability-only car insurance in Newark: NJM
On average, Newark drivers pay $176 per month for liability coverage. NJM offers the lowest rate for liability-only insurance at $117 per month. CSAA and Plymouth Rock also have cheap rates for liability coverage in Newark.
Liability coverage will pay to cover any damages to people or personal property of other parties involved in an accident you cause. However, liability insurance doesn’t offer protection for your car or yourself. New Jersey law requires drivers to carry at least liability protection, and you might consider liability-only coverage if you can afford to pay out of pocket for damage or to replace your vehicle.
The table below shows what you can expect to pay for liability coverage in Newark.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| NJM | $117 |
| CSAA | $125 |
| Plymouth Rock | $132 |
| GEICO | $149 |
| Mercury | $198 |
| Foremost | $199 |
| State Farm | $275 |
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: NJM
If you want or need more comprehensive coverage, consider a full-coverage insurance policy. Full-coverage car insurance provides the same protection as liability, but it also includes your vehicle as well as personal injury protection for your covered parties.
Not surprisingly, then, full coverage will be more expensive. However, if you have a loan on your vehicle, or you would be unable to pay out of pocket for repairs, full coverage might be a better fit for your needs.
Newark drivers pay $288 per month for full-coverage car insurance, on average. Check out the companies below to get an idea of average full-coverage costs in the Gateway City.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| NJM | $192 |
| Plymouth Rock | $202 |
| CSAA | $206 |
| GEICO | $245 |
| Mercury | $275 |
| Foremost | $361 |
| State Farm | $450 |
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 recent rates near Newark, New Jersey
Drivers in and around Newark, New Jersey have found policies from Progressive, Mercury, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Newark, New Jersey within the last 10 days. Last updated on February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Newark, New Jersey within the last 10 days. Last updated on February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in New Jersey
New Jersey is a no-fault state.[1] This means that insurance companies pay for damages to vehicles and people they cover, no matter who’s liable for the accident. However, New Jersey law also allows you to make choices based on your insurance type. Basic policies provide no-fault coverage, while opting for more standard coverage may give you the right to file a lawsuit following an accident.
If you choose a basic policy, you’ll have a limited right to sue, meaning you can sue the responsible party if your injuries are permanent.[2] If you have standard coverage, you can choose a limited or an unlimited right to sue.[3] Here’s a look at the minimum coverage you must carry in order to drive legally in New Jersey:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person |
| Property damage liability | $25,000 |
| Personal injury protection | $15,000 |
If you’re interested in coverage that goes beyond the minimum requirements, you may pursue the following options:
Comprehensive coverage
Comprehensive insurance pays for repairs to your vehicle from damages as a result of non-collision events, like theft, vandalism, fire, and more.
Collision coverage
Collision coverage pays for damage to your vehicle following a collision with another car or other object.
Uninsured/underinsured motorist coverage
This type of policy offers protection when one or more drivers involved in an accident are uninsured or underinsured.
Cheapest car insurance for drivers with an incident
Finding cheap car insurance when you have an incident on your driving record might take some extra work. Incidents typically refer to at-fault accidents, speeding tickets, DUIs, or other moving violations.
One factor that insurance companies consider when setting rates is your driving history. Insurance companies take on risk when providing insurance, and they attempt to offset some of that risk by increasing rates for drivers deemed more likely to file a claim. A history of accidents or moving violations is an indication to insurance companies that you’re a higher-risk consumer. Here, you’ll see how different incidents affect your car insurance rates.
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Cheapest car insurance for drivers with a speeding ticket: CSAA
Drivers with a history of speeding tickets are more likely to see higher rates on their auto insurance policy. For example, the average cost of full-coverage car insurance in Newark is $382 if you have a speeding ticket versus $288 for drivers with a clean record.
New Jersey assigns points for specific traffic violations, and speeding violations incur between two and five points per conviction. The specific number depends on how fast you traveled over the posted speed limits. Drivers who accumulate more than six points in three years, or 12 points total, will face a license suspension.
Here’s a look at the average minimum-coverage premiums available from top insurers for drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| NJM | $117 | $166 |
| CSAA | $125 | $161 |
| Plymouth Rock | $132 | $165 |
| GEICO | $149 | $189 |
| Mercury | $198 | $270 |
| Foremost | $199 | $270 |
| State Farm | $275 | $344 |
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 car insurance for drivers with an at-fault accident: CSAA
While New Jersey is a no-fault state, that designation only applies to how accidents are paid for by insurance companies. Law enforcement officers write tickets and determine which driver is responsible for the accident (or what percentage of fault each driver has).
Insurance companies view at-fault accidents as a sign of risk. In addition to higher premiums, drivers could gain several points on their driving record based on the violations that led to the accident.
The average monthly cost of liability-only insurance is $243 for Newark drivers with an at-fault accident, while full coverage averages $397. The table below provides examples of liability-only rates from top insurance companies for Newark drivers with an accident on their records.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| NJM | $117 | $173 |
| CSAA | $125 | $172 |
| Plymouth Rock | $132 | $186 |
| GEICO | $149 | $198 |
| Mercury | $198 | $284 |
| Foremost | $199 | $280 |
| State Farm | $275 | $361 |
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 car insurance for drivers with a DUI: NJM
Drivers with a DUI may have a difficult time finding cheap car insurance in New Jersey. In addition to fines and license suspension, drivers may have to pay a $1,000 insurance surcharge for three years and face up to 30 days of jail time.[4]
Drivers with a DUI may also be required to purchase SR-22 insurance, which allows the state to ensure you maintain the state’s minimum insurance requirements. Insurance companies may legally deny drivers with a DUI, so you might have to put in more work to find a company that fits your coverage needs.
Newark drivers with a DUI conviction pay $278 per month on average for liability-only insurance and $455 for full coverage. Here's a comparison of liability-only rates for Newark drivers with DUIs versus rates for those with clean records.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| NJM | $117 | $175 |
| CSAA | $125 | $181 |
| Plymouth Rock | $132 | $212 |
| GEICO | $149 | $240 |
| Mercury | $198 | $298 |
| Foremost | $199 | $320 |
| State Farm | $275 | $442 |
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 car insurance for seniors: NJM
Once drivers reach 70 years old, they’ll likely see their rates increase. Due to age-related physical and cognitive changes, seniors are at higher risk of getting into accidents, and being severely injured in an accident.
Car insurance for senior drivers averages $156 per month for minimum coverage and $256 for full coverage. Here, you can see the rates available for seniors in Newark.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| NJM | $85 | $140 |
| CSAA | $99 | $163 |
| Plymouth Rock | $110 | $169 |
| GEICO | $123 | $202 |
| Foremost | $165 | $300 |
| Mercury | $165 | $229 |
| State Farm | $221 | $362 |
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 car insurance for teens: NJM
In New Jersey, drivers can’t get their permit until they’re 16 years old. Once a driver is 17, they may obtain a probationary license. Teens only qualify for a full driver’s license at 18. No matter what type of license teens have, they’re required to be covered by car insurance and pay some of the highest rates on the market. This is because teens are at the highest risk of car accidents, and those incidents are the leading cause of death for teens in the U.S.[5]
In Newark, car insurance for teen drivers costs a monthly average of $482 for full coverage and $294 for liability only. But teens can help lower rates on their insurance by staying on their parents’ policy, participating in a safe-driver program, and asking their insurance company if it offers a good-grades discount.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| NJM | $173 | $284 |
| CSAA | $199 | $329 |
| Plymouth Rock | $240 | $368 |
| GEICO | $241 | $396 |
| Mercury | $347 | $482 |
| Foremost | $355 | $644 |
| State Farm | $478 | $782 |
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.
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Minimum coverage starts at $186/mo. for Newark teens
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Newark car insurance quotes by credit tier
New Jersey allows car insurance companies to use your credit history to evaluate your risk as a driver and assign rates. Insurance companies use information in your credit report to give you an insurance score. This score helps determine how risky you are as a customer.
Drivers with lower credit scores could pay higher premiums, while drivers with a good or excellent credit score could benefit from lower premium costs.
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?
If you’re a driver in Newark, you’ll likely pay more per month for your insurance than other drivers in the state and across the country. Several factors affect the rates in New Jersey, including its status as a no-fault state and the number of drivers on the road, particularly in large urban areas.
The average rates in Newark are $176 for liability coverage and $288 for full coverage. This is compared to the state averages of $134 for liability coverage and $167 for full coverage, and the national averages of $105 for liability coverage and $199 for full coverage.
More cities in New Jersey
If you’re curious about rates in New Jersey, the table below shows average monthly car insurance rates for other cities in the state.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Camden | $341 | $165 |
| East Orange | $303 | $171 |
| Jersey City | $355 | $140 |
| Trenton | $176 | $131 |
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
If you still have questions surrounding car insurance in Newark, the answers below can help.
How much is car insurance in Newark?
The average rates in Newark are $176 for liability coverage and $288 for full coverage. This is significantly higher than both the New Jersey state average and the national average rates.
What company has the cheapest car insurance in Newark?
NJM offers the cheapest rates for liability-only coverage in Newark, at $117. Look to CSAA and Plymouth Rock for low rates as well, with liability rates starting as low as $125 and $132, respectively.
What are the best car insurance companies in Newark?
NJM, GEICO, and Plymouth Rock rank as three of the top insurers in Newark. NJM and GEICO continually offer the most competitive rates while boasting Insurify Quality (IQ) Scores of 4.5 and 4.2, respectively. Plymouth Rock is a regional agency that allows you to customize your coverage through discounts and loyalty programs.
Why is car insurance so high in New Jersey?
Car insurance is high in New Jersey for a number of reasons. First, the area is heavily populated, which increases the risk of accidents. Secondly, New Jersey is a no-fault state that still allows for legal action after an accident, depending on your coverage. Finally, the area’s high cost of living means car repairs are more expensive.
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
- 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.
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Sources
- State of New Jersey Department of Banking and Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy."
- Lynch Law Firm. "WHAT ARE THE “RIGHT TO SUE” LAWS IN NEW JERSEY FOR CAR ACCIDENT VICTIMS?."
- State of New Jersey Department of Banking and Insurance. "Standard Auto Insurance Policy."
- Department of Law & Public Safety. "Driving While Intoxicated in New Jersey."
- CDC. "Teen Driver and Passenger Safety."
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Angela Brown
Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.
Angela has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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