Cheap Auto Insurance in Newark, New Jersey (2025)

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 $262 per month for full coverage and $187 per month for liability only in the Gateway City.

By comparison, average car insurance costs in the Garden State are $169 for full coverage and $141 for liability only. Nationally, the averages are $197 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.

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	$124	$78	Low rates
GEICO	9.0	$157	$99	Drivers with DUIs
Plymouth Rock	N/A	$137	$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.

• How Insurify rates insurance companies

  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

Low rates

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User Reviews	4.0 12 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.	$114/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.	$183/mo

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Driver Reviews

4.0

Best choiceBased on 54 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 (12)

Joanne

March 12, 2025

Verified Review

Too Expensive

It's too expensive.

Rosalie

March 11, 2025

Verified Review

Pleased with NJM

I had a good experience and found them very helpful. However, I'm not happy that the insurance rate increases all the time. I only drive 2,000 miles a year, have no DUIs, no accidents, and no tickets. So, I wonder why the insurance rate goes up.

Patty

March 4, 2025

Verified Review

Significant Rate Increase

They increased my annual rate by $325.

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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 6,130 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.	$145/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.	$233/mo

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Driver Reviews

4.0

Best choiceBased on 11,192 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 (6,130)

Edith

March 26, 2025

Verified Review

Honesty is Key

I was with Geico for years and everything was fine until I had my first accident. I appealed because it wasn't my fault and I won! Geico owed me money back, but they didn't calculate it correctly on purpose. If I lose trust and respect, I don't want to be with that company.

Sandra

March 26, 2025

Verified Review

Insurance

It's very easy to deal with. All you really need is the app, and you can do everything yourself.

David

March 26, 2025

Verified Review

Not Competitive

Their rates are disappointing considering I have been with them for over 6 years and a five-year-old claim didn't cause my rate to go down. Their offer is $60 per month higher than other offers.

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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.

834

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 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

Discounts

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User Reviews	3.7 119 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
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.	$137/mo

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Driver Reviews

3.7

A solid optionBased on 234 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 (119)

Yvonne

March 23, 2025

Verified Review

Unsatisfactory Experience

I wouldn't recommend this company. They increased my payments by over 40 dollars despite having no tickets or accidents in my life. When I called to address this, they didn't provide any assistance.

George

March 19, 2025

Verified Review

You Can Find the Same Insurance Cheaper

Okay.

Margaret

March 8, 2025

Verified Review

Inconsistent Pricing

They're not reliable. They quote you one price, but when you actually start the policy, you end up paying a lot more for your car insurance. For instance, I was initially paying $240, but they increased it to $420.

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.

789

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

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 $187 per month for liability coverage. NJM offers the lowest rate for liability-only insurance at $114 per month. CSAA and GEICO 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: Thursday, March 13 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
NJM	$114
CSAA	$123
GEICO	$145
Foremost	$205
Mercury	$208
State Farm	$266

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 $262 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: Thursday, March 13 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
NJM	$183
CSAA	$208
GEICO	$233
Mercury	$287
Foremost	$373
State Farm	$429

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.

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 $349 if you have a speeding ticket versus $262 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: Thursday, March 13 at 12:00 PM PDT. 

Insurance Company	Clean Record	With Ticket
NJM	$114	$163
CSAA	$123	$159
GEICO	$145	$184
Foremost	$205	$278
Mercury	$208	$284
State Farm	$266	$334

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: NJM

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 $258 for Newark drivers with an at-fault accident, while full coverage averages $362. 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: Thursday, March 13 at 12:00 PM PDT. 

Insurance Company	Clean Record	With Accident
NJM	$114	$170
CSAA	$123	$170
GEICO	$145	$193
Foremost	$205	$288
Mercury	$208	$299
State Farm	$266	$349

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 $296 per month on average for liability-only insurance and $414 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: Thursday, March 13 at 12:00 PM PDT. 

Insurance Company	Clean Record	With DUI
NJM	$114	$172
CSAA	$123	$197
GEICO	$145	$232
Foremost	$205	$329
Mercury	$208	$317
State Farm	$266	$426

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 $166 per month for minimum coverage and $233 for full coverage. Here, you can see the rates available for seniors in Newark.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
NJM	$83	$133
CSAA	$98	$165
GEICO	$119	$192
Foremost	$171	$310
Mercury	$173	$239
State Farm	$213	$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 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 $437 for full coverage and $312 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: Thursday, March 13 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
NJM	$170	$273
CSAA	$196	$331
GEICO	$236	$380
Foremost	$366	$666
Mercury	$366	$505
State Farm	$466	$751

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 $142/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.

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 $187 for liability coverage and $262 for full coverage. This is compared to the state averages of $141 for liability coverage and $169 for full coverage, and the national averages of $105 for liability coverage and $197 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	$239	$172
East Orange	$251	$181
Jersey City	$227	$147
Trenton	$170	$137

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