120+ more*Quotes generated for Insurify users in and around Newark, New Jersey within the last 10 days. Last updated on April 15, 2026. 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 April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
Timothy Moore is a personal finance writer covering insurance, credit, loans, taxes, and banking. As a Certified Financial Education Instructor, Timothy simplifies complex financial topics to help everyday Americans make better decisions about insurance, budgets, and credit usage.
Timothy has covered personal finance, including automotive, home, pet, and life insurance, for 15 years. You can find his work on sites such as USA Today, TIME, Forbes, Business Insider, Credible, LendingTree, LendEDU, and The Penny Hoarder, as well as with insurers, banks, and lenders such as Kin, SoFi, Chime, and New American Funding. Timothy also serves as the editorial director of a niche travel magazine (print and digital).
)
)
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Newark drivers pay $250 per month for minimum coverage and $373 per month for full coverage, on average.
Premiums in Newark are roughly 41.5% higher than the average overall cost of car insurance in New Jersey.
By comparison, Jersey City premiums are more affordable, at $193 per month for liability policies and $281 for full coverage. Outside the New York City metropolitan area, New Jersey car insurance is even more affordable. For example, car insurance in Vineland, located in the more rural southern part of the state, averages $170 monthly for liability-only insurance and $228 per month for full coverage.
Several factors contribute to Newark’s higher-than-average car insurance premiums, including:
Newark’s large population and high population density
Traffic congestion due to NYC tourism and major freight routes
The state’s longest average commute times
A higher frequency of traffic tickets and DUIs in Newark
Higher-than-average levels of rain and snow in the city
While Newark car insurance costs are notably higher than the state average, it’s still possible to find cheap liability car insurance in Newark. NJM has the cheapest car insurance in Newark for liability-only coverage. You can also find cheap rates from Plymouth Rock. Both offer premiums below the city average for liability coverage.
All drivers in the state must meet New Jersey car insurance minimum requirements for liability, including property damage liability and personal injury protection.
The following table shows the cheapest liability car insurance rates in Newark.
Insurance Company | Average Monthly Quote |
|---|---|
| NJM | $182 |
| Plymouth Rock | $224 |
| Progressive | $254 |
| Mercury | $294 |
| GEICO | $329 |
| Liberty Mutual | $369 |
Minimum-coverage policies start as low as $182/mo.
NJM offers the most affordable full-coverage car insurance in Newark, averaging $230 per month.
You can also get cheap full-coverage car insurance in Newark from CSAA and Plymouth Rock, which have average annual premiums below the overall average full-coverage cost in Newark.
Carrying a full-coverage policy (with collision coverage and comprehensive coverage) is wise if you drive in Newark or the larger New York City metropolitan area. The area’s population density, heavy freight and port traffic, and high levels of tourism can lead to major road congestion. And Newark’s higher-than-average precipitation can also make road conditions more dangerous.
The following table shows the cheapest full-coverage car insurance rates in Newark.
Insurance Company | Average Monthly Quote |
|---|---|
| NJM | $230 |
| CSAA | $277 |
| Plymouth Rock | $339 |
| Progressive | $341 |
| Mercury | $406 |
| GEICO | $430 |
| Liberty Mutual | $446 |
Auto insurance in Newark is more expensive than almost anywhere else in the Garden State. Only Passaic has higher rates, averaging $374 monthly for full coverage and $253 for liability-only policies. Interestingly, neighboring communities in Jersey City, Bayonne, and Hoboken have significantly lower average premiums.
A key reason for Newark’s higher car insurance costs is the city’s complex highway system and importance as a freight hub. Multiple state and interstate highways converge in Newark.
Tens of thousands of trucks pass through Newark every day, according to the North Jersey Transportation Planning Authority.[1]
Newark also has a relatively high rate of drivers with speeding tickets, according to Insurify data. A higher percentage of ticketed drivers in an area could mean higher accident risks and higher insurance rates.
The following table shows the overall average monthly car insurance costs across major New Jersey cities.
City | Average Monthly Quote |
|---|---|
| Camden | $306 |
| East Orange | $297 |
| Irvington | $302 |
| Jersey City | $237 |
| Newark | $311 |
| Trenton | $252 |
Newark car insurance is notably more expensive than average car insurance costs in New Jersey for several reasons:
Population density: Newark is the largest city in New Jersey, and Essex County is the second-most densely populated county in the state. More drivers in less space can increase accident risks.
Freight and tourism: Several major state and regional highways intersect in Newark, leading to busier roads, especially with freight trucks. Similarly, nearby New York City is the most visited city in the U.S. Many of those visitors may travel through Newark Liberty International Airport, which is the 12th-busiest airport in the U.S.[2]
Commute times: Roughly 50% of workers in the New York-Newark-Jersey City metropolitan area use a car, truck, or van to commute to work, and the area has an average commute time of nearly 33 minutes per day. More traffic can lead to higher accident rates.
Driving habits: Newark has a comparatively high rate of drivers with tickets, accidents, and driving under the influence (DUI) convictions on their driving records, Insurify data shows.
Weather: Compared to the average U.S. city, Newark gets more rain. In 2025, Newark got more than 34 inches of precipitation, compared to the roughly 30-inch average across the country. Weather can make driving riskier and lead to accidents that raise insurance rates.
*Quotes generated for Insurify users in and around Newark, New Jersey within the last 10 days. Last updated on April 15, 2026. 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 April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects your car insurance costs in Newark. If you’ve caused an accident or received a speeding ticket, for instance, expect higher rates.
Cheapest car insurance for Newark drivers with a clean driving record: NJM
Cheapest car insurance for drivers with a speeding ticket in Newark: NJM
Cheapest car insurance for Newark drivers with an at-fault accident: NJM
Cheapest car insurance for drivers with a DUI in Newark: NJM
Newark has the second-highest rate of ticketed drivers (3.18% of drivers) in New Jersey, behind only Irvington, according to Insurify data. Speeding tickets can increase car insurance rates.
Newark drivers are less likely than other New Jerseyans to have at-fault accidents on their records. And less than half a percent of Newark drivers have DUIs, but this serious driving offense is still more common in Newark than in most other New Jersey metros.
If you’ve caused an accident, gotten a traffic ticket, or had a DUI, you won’t qualify for the cheapest car insurance in Newark. Here’s what New Jersey drivers pay for coverage by different driving records:
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $311 |
| Speeding ticket | $417 |
| At-fault accident | $350 |
| DUI | $501 |
Liability rates start at $${AUTO_CHEAPEST_LIABILITY_CITY_NJ_NEWARK_PRICE_1_HAS-INCIDENT} for high-risk drivers
Driving in Newark presents some unique challenges, particularly given the city’s location in the larger New York City metropolitan area. Here are some things to keep in mind about driving in Newark:
Traffic violations are more common. Drivers in Newark are more likely to have been ticketed for a traffic violation than drivers in nearly every other city in the state. DUIs are also more common in Newark than in more than half of all other NJ cities.
Fatalities are relatively high. In 2024, 60 people died in 27 accidents in Newark, according to state data.[3] By comparison, in Jersey City, the second-largest city in the state, 19 people were killed in 10 fatal crashes that same year.
Street parking is more common. More than 75% of Newark residents rent their homes or apartments, according to Census Bureau data. Renting often means no garage access. Given the high population density, it’s common for Newark drivers to park on the street, or at least outside, where damage and theft are more likely. In fact, only about 38% of homes for sale in Newark have garages, per recent Zillow data.
Highways are busy. Several major highways cut through Newark, meaning drivers must contend with more than simply local traffic. On any given day, tens of thousands of freight trucks pass through Newark. And nearby New York City welcomes nearly 10 million tourists per year, who also contribute to congestion in the area.
Several major interstate and state highways pass through Newark, including Interstate 280, I-78, I-95, and the Garden State Parkway. These and other roadways have high levels of non-local traffic, primarily from freight trucks.
Newark Liberty International is also one of the largest cargo airports in the country by landed weight, which contributes to the area’s freight traffic. Newark’s airport is also ranked No. 14 in the U.S. (and No. 41 globally) for passenger traffic, hinting at the area’s high levels of tourist-fueled traffic.
Significant road congestion contributes to higher accident rates and more insurance claims. In turn, this leads to higher prices for auto insurance in Newark.
New Jersey has some of the most robust graduated driver licensing requirements in the country. The state’s rules require young drivers to have more experience behind the wheel before they can get completely unrestricted licenses. This greater level of experience may be why New Jersey has the lowest teen fatality rate in the nation.
Better driving skills and lower accident rates may be one reason why Newark teens pay less for car insurance than young drivers in nearby states. The average monthly cost for full coverage is $610 for Newark teens. Meanwhile, teen drivers in Chester, Pennsylvania, and Buffalo, New York, pay $369 and $307 per month, respectively, for full coverage.
NJM has the cheapest car insurance for Newark teens, at $${AUTO_CHEAPEST_LIABILITY_CITY_NJ_NEWARK_PRICE_1_AGE-TEEN} per month for liability-only policies.
The following table shows the cheapest rates for teenage drivers in Newark.
Insurance Company | Average Monthly Quote |
|---|---|
| Plymouth Rock | $394 |
| Progressive | $415 |
| Mercury | $511 |
| GEICO | $566 |
| Liberty Mutual | $614 |
Given Newark’s overall higher-than-average car insurance costs, it’s no surprise that seniors, like teens, pay more for car insurance in Newark than in most other cities in the Garden State. Newark drivers in their 60s spend an average of $213 monthly for liability coverage and $318 for full coverage.
NJM offers the cheapest car insurance in Newark for senior drivers. In the table below, you can see rates from the best car insurance companies for senior drivers in Newark.
Insurance Company | Average Monthly Quote |
|---|---|
| Plymouth Rock | $183 |
| Progressive | $217 |
| Mercury | $232 |
| GEICO | $260 |
| Liberty Mutual | $305 |
The FAQs below address the most common questions about getting car insurance in Newark, New Jersey.
The average cost of car insurance in Newark is $373 per month for full coverage and $250 per month for liability-only coverage, Insurify data shows.
The cheapest car insurance company in Newark is NJM, with an average monthly cost of $182 for liability coverage. Costs vary depending on your age, driving record, vehicle, credit history, and driving frequency, among other factors.
Yes. NJM is cheaper than GEICO in Newark. On average, liability auto insurance through NJM costs $143 per month in New Jersey, while a comparable policy through GEICO costs $231 per month.
Newark’s car insurance costs are higher than in other parts of New Jersey because of the city’s heavier traffic from freight trucks, commuters, and tourists, and higher rate of ticketed drivers.
You can lower car insurance costs in Newark by taking advantage of Newark’s public transportation and reducing your driving frequency or by finding a home that has off-street parking, which can be hard to come by in Newark.
You can also take advantage of insurance discounts, like bundling with renters or homeowners insurance, or reducing your auto insurance coverage limits or increasing your deductible. But make sure you understand how this can affect your wallet if you need to file a claim.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Timothy Moore is a personal finance writer covering insurance, credit, loans, taxes, and banking. As a Certified Financial Education Instructor, Timothy simplifies complex financial topics to help everyday Americans make better decisions about insurance, budgets, and credit usage.
Timothy has covered personal finance, including automotive, home, pet, and life insurance, for 15 years. You can find his work on sites such as USA Today, TIME, Forbes, Business Insider, Credible, LendingTree, LendEDU, and The Penny Hoarder, as well as with insurers, banks, and lenders such as Kin, SoFi, Chime, and New American Funding. Timothy also serves as the editorial director of a niche travel magazine (print and digital).
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
)