Best Cheap Auto Insurance in Newark, New Jersey (2024)

Everything is expensive close to Manhattan, and car insurance in Newark is no exception. You can expect to pay an average of $334 per month for full coverage and $168 per month for liability only. 

Newark’s proximity to Manhattan, and its high population density of nearly 13,000 people per square mile, contribute to the city’s relatively high insurance costs. Fortunately, companies like NJM, Plymouth Rock, GEICO, and Travelers continually offer low average rates in the area.

With average rates this high, you want to reduce your insurance cost wherever you can. Here’s how you can find affordable car insurance and make life in Newark a little less expensive.

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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.

Best insurer for low rates: NJM

Low rates

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User Reviews	4.1 7 reviews
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.	$128/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.	$199/mo

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Driver Reviews

4.1

Best choiceBased on 34 verified guest reviews and ratings

How drivers feel about NJ Manufacturers

Drivers appreciate the accessible customer service and easy claims process but dislike the higher rates and lack of customer loyalty.

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 accessible customer service and easy claims process but dislike the higher rates and lack of customer loyalty.

AI-generated from the text of verified reviews collected by Insurify

Best For

New Jersey drivers

Good claims process

Robust discounts

Reviews (7)

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.

Richard

September 23, 2024

Verified Review

Too expensive for what is offered

They raised our auto rates by over 33 percent even though we have over 5 clean years with no accidents or tickets. We switched to Progressive and saved over 1K for a year's coverage.

Grigoriy

June 1, 2024

Verified Review

Just after money, but found another. Now they're all together

They are very expensive. It's not clear why?

Previous

123

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.19

A.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

Drivers with a DUI

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User Reviews	4.0 5,647 reviews
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.	$162/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.	$254/mo

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Driver Reviews

4.0

Best choiceBased on 10271 verified guest reviews and ratings

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (5,647)

James

November 19, 2024

Verified Review

Unsatisfactory Experience with Geico

Steer clear. They increase your rate at every renewal.

Edward

November 18, 2024

Verified Review

Experience with Geico

Reliable.

Chris

November 18, 2024

Verified Review

Poor

The customer service is below average and terrible.

Previous

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

A.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 will 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

Discounts

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User Reviews	3.7 111 reviews
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.	$136/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.	$210/mo

Show Details

Driver Reviews

3.7

A solid optionBased on 217 verified guest reviews and ratings

How drivers feel about Plymouth Rock

Drivers appreciate the good rates, customer service, and glass coverage but dislike the high premium rates and unclear policy increases.

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 good rates, customer service, and glass coverage but dislike the high premium rates and unclear policy increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Unique loyalty rewards

Group discount programs

Competitive pricing

Reviews (111)

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.

Rayette

October 31, 2024

Verified Review

Payment Issue

It's not providing me with the option to pay monthly, and it's challenging to pay the entire premium all at once.

David

October 29, 2024

Verified Review

Increasing Rates

The rates keep increasing. I see no added value.

Previous

1234…25

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

812

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.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).

NR

Why 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

Cheapest liability-only car insurance in Newark

On average, Newark drivers pay $168 per month for liability coverage. NJM offers the lowest rate for liability-only insurance at $128 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.

Cheapest full-coverage car insurance in Newark

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 $334 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.

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:

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

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 $436 if you have a speeding ticket versus $334 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 premiums available from top insurers for drivers with a speeding ticket on their record.

Cheapest car insurance for drivers with an at-fault accident

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 $233 for Newark drivers with an at-fault accident. The table below provides examples of rates from top insurance companies for Newark drivers with an accident on their records.

Cheapest car insurance for drivers with a DUI

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 $267 per month on average for liability-only insurance and $531 for full coverage.

Cheapest car insurance for seniors

Once drivers reach 75 years old, they’ll likely see their rates increase. This can be due to reduced faculties as drivers age, as well as the increased risk of heightened medical costs for seniors involved in an accident.

Here, you can see the rates available for seniors in Newark. The overall average monthly cost of car insurance for Newark seniors is $222.

Cheapest car insurance for teens

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]

Teen drivers in Newark pay an overall average of $422 for car insurance. 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.

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.

Find Car Insurance in Newark

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Based on 3,806+ reviews

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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.

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 $168 for liability coverage and $334 for full coverage. This is compared to the state averages of $124 for liability coverage and $215 for full coverage, and the national averages of $106 for liability coverage and $172 for full coverage.

More cities in New Jersey

If you’re curious about rates in New Jersey, the chart below compares the rates drivers in Newark pay with those paid in other cities in the state.

Newark car insurance FAQs