Best Cheap Auto Insurance in Newark, NJ (2021)

The average Newark, NJ auto insurance rates are $709 per month. The minimum auto insurance in Newark is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Newark, New Jersey, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to Remember

  • The minimum auto insurance required in Newark, New Jersey is 15/30/5
  • The most expensive auto insurance company in Newark for teen drivers is State Farm
  • Average auto insurance rates in Newark, NJ for senior drivers are $5,214 per year

Newark, New Jersey auto insurance requirements are 15/30/5 according to New Jersey auto insurance laws. Finding cheap auto insurance in Newark can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Newark, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Newark to other New Jersey cities, including Elizabeth auto insurance rates, Camden auto insurance rates, and Union City auto insurance rates to see how Newark, New Jersey auto insurance rates stack up.

Before you buy Newark, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Newark, New Jersey auto insurance quotes.

Minimum Auto Insurance in Newark, New Jersey

Newark, New Jersey auto insurance laws require that you have at least the New Jersey minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Newark, New Jersey.

Minimum Required Auto Insurance Coverage in Newark, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Newark, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Newark, New Jersey are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Newark, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,040 $5,017 $4,904 $4,904 $15,883 $19,232 $5,967 $6,087
Farmers $7,986 $8,059 $7,771 $7,586 $23,668 $27,232 $9,516 $9,668
GEICO $3,458 $3,394 $3,372 $3,372 $6,366 $6,357 $3,995 $3,885
Liberty Mutual $6,310 $6,310 $6,941 $6,941 $16,499 $18,734 $6,941 $7,981
Progressive $3,327 $3,056 $2,984 $3,083 $15,684 $17,187 $3,965 $3,757
State Farm $6,879 $6,879 $6,221 $6,221 $22,824 $29,333 $7,861 $8,788
Travelers $4,713 $4,529 $4,342 $4,358 $10,543 $11,756 $4,554 $4,482

Cheap Newark, New Jersey Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Newark, New Jersey is a challenge. Take a look at the annual teen auto insurance rates in Newark, New Jersey.

Annual Auto Insurance Rates for Teen Drivers in Newark, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,883 $19,232
Farmers $23,668 $27,232
GEICO $6,366 $6,357
Liberty Mutual $16,499 $18,734
Progressive $15,684 $17,187
State Farm $22,824 $29,333
Travelers $10,543 $11,756

Cheap Newark, New Jersey Auto Insurance for Seniors

What are senior auto insurance rates in Newark, New Jersey? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Newark, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,904 $4,904
Farmers $7,771 $7,586
GEICO $3,372 $3,372
Liberty Mutual $6,941 $6,941
Progressive $2,984 $3,083
State Farm $6,221 $6,221
Travelers $4,342 $4,358

Cheap Newark, New Jersey Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Newark, New Jersey compared to the annual auto insurance rates with a clean record in Newark, New Jersey.

Annual Newark, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,290 $10,479 $9,098 $7,649
Farmers $9,790 $16,746 $13,605 $10,603
GEICO $3,298 $4,374 $6,129 $3,298
Liberty Mutual $9,197 $10,546 $9,389 $9,197
Progressive $5,659 $7,694 $6,520 $6,650
State Farm $6,399 $11,748 $18,961 $10,395
Travelers $4,701 $7,083 $6,814 $6,042

Cheap Newark, New Jersey Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Newark, New Jersey is not easy. Compare the annual rates for DUI auto insurance in Newark, New Jersey to find the best deal.

Annual Auto Insurance Rates After a DUI in Newark, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $9,098
Farmers $13,605
GEICO $6,129
Liberty Mutual $9,389
Progressive $6,520
State Farm $18,961
Travelers $6,814

Cheap Newark, New Jersey Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Newark, New Jersey annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Newark, New Jersey

Insurance Company Poor Fair Good
Allstate $11,789 $7,474 $5,875
Farmers $15,180 $11,779 $11,098
GEICO $6,496 $3,688 $2,640
Liberty Mutual $12,177 $8,996 $7,573
Progressive $7,456 $6,476 $5,959
State Farm $17,236 $10,349 $8,042
Travelers $8,359 $6,056 $4,064

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Cheap Newark, New Jersey Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Newark, New Jersey can vary. Compare the annual cost of auto insurance by ZIP code in Newark, New Jersey to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Newark, New Jersey

ZIP Code Average Annual Rates
7102 $8,049
7103 $8,049
7104 $8,049
7105 $8,049
7106 $8,049
7107 $8,049
7108 $8,049
7112 $8,049
7114 $8,049

Cheap Newark, New Jersey Auto Insurance Rates By Commute

Commute length and annual mileage affect Newark, New Jersey auto insurance. Find the cheapest annual Newark, New Jersey auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Newark, New Jersey

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,365 $8,393
Farmers $12,686 $12,686
GEICO $4,238 $4,311
Liberty Mutual $9,488 $9,676
Progressive $6,630 $6,630
State Farm $11,564 $12,188
Travelers $6,160 $6,160

Cheap Newark, New Jersey Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Newark, New Jersey? Check out the comparison of annual Newark, New Jersey auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Newark, New Jersey

Insurance Company Low Medium High
Allstate $7,695 $8,507 $8,937
Farmers $11,379 $12,608 $14,071
GEICO $3,820 $4,353 $4,652
Liberty Mutual $8,535 $9,880 $10,332
Progressive $5,994 $6,740 $7,157
State Farm $11,011 $12,033 $12,583
Travelers $5,652 $6,155 $6,671

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Best By Category: Cheapest Auto Insurance in Newark, New Jersey

Compare the cheapest auto insurance companies in Newark, New Jersey in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Newark, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

The Cheapest Newark, New Jersey Auto Insurance Companies

What auto insurance companies in Newark, New Jersey are the cheapest? Compare the top Newark, New Jersey auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Newark, New Jersey

Insurance Company Average Annual Rates
Allstate $8,379
Farmers $12,686
GEICO $4,275
Liberty Mutual $9,582
Progressive $6,630
State Farm $11,876
Travelers $6,160

What affects auto insurance rates in Newark, New Jersey?

There are a lot of reasons why auto insurance rates in Newark, New Jersey are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Newark, New Jersey. Many local factors may affect your Newark auto insurance rates.

Newark Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Newark, New Jersey commute length is 33.4 minutes according to City-Data.

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Compare Newark, New Jersey Auto Insurance Quotes

Before you buy Newark, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Newark, New Jersey auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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