Best Cheap Auto Insurance in Newark, NY (2021)

The average Newark, NY auto insurance rates are $245 per month. The minimum auto insurance in Newark is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Newark, New York, 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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Newark, NY for senior drivers are $1,823 per year
  • The average commute length in Newark is 19.1 minutes
  • The most expensive auto insurance company in Newark for teen drivers is Liberty Mutual

Newark, New York auto insurance requirements are 25/50/10 according to New York 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 York, including driving record, credit, commute time, and more.

Compare auto insurance in Newark to other New York cities, including Syracuse auto insurance rates, Rochester auto insurance rates, and Albany auto insurance rates to see how Newark, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Newark, New York

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

Minimum Required Auto Insurance Coverage in Newark, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Newark, New York 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 York

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 $2,166 $2,043 $2,036 $2,068 $6,229 $6,683 $2,143 $2,162
GEICO $1,235 $1,189 $1,200 $1,183 $2,545 $3,687 $1,115 $1,144
Liberty Mutual $3,126 $3,126 $2,913 $2,913 $6,046 $9,796 $3,126 $3,320
Nationwide $1,988 $1,988 $1,880 $1,880 $3,472 $5,150 $1,988 $2,519
Progressive $1,605 $1,511 $1,302 $1,317 $5,446 $6,084 $2,077 $2,030
State Farm $2,055 $2,055 $1,790 $1,790 $6,001 $7,741 $2,256 $2,383
Travelers $2,307 $2,339 $2,094 $2,254 $5,203 $6,192 $2,447 $2,554
USAA $1,407 $1,383 $1,273 $1,277 $5,556 $6,624 $1,796 $1,982

Cheap Newark, New York Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,229 $6,683
GEICO $2,545 $3,687
Liberty Mutual $6,046 $9,796
Nationwide $3,472 $5,150
Progressive $5,446 $6,084
State Farm $6,001 $7,741
Travelers $5,203 $6,192
USAA $5,556 $6,624

Cheap Newark, New York Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,036 $2,068
GEICO $1,200 $1,183
Liberty Mutual $2,913 $2,913
Nationwide $1,880 $1,880
Progressive $1,302 $1,317
State Farm $1,790 $1,790
Travelers $2,094 $2,254
USAA $1,273 $1,277

Cheap Newark, New York 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 York compared to the annual auto insurance rates with a clean record in Newark, New York.

Annual Newark, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,712 $2,712 $3,935 $3,406
GEICO $1,319 $1,437 $2,574 $1,319
Liberty Mutual $3,448 $3,448 $6,837 $3,448
Nationwide $2,004 $2,004 $4,377 $2,048
Progressive $2,600 $2,600 $2,870 $2,615
State Farm $3,106 $3,106 $3,412 $3,412
Travelers $2,738 $3,376 $3,422 $3,158
USAA $2,368 $2,406 $3,469 $2,406

Cheap Newark, New York Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,935
GEICO $2,574
Liberty Mutual $6,837
Nationwide $4,377
Progressive $2,870
State Farm $3,412
Travelers $3,422
USAA $3,469

Cheap Newark, New York Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $4,570 $2,684 $2,321
GEICO $2,082 $1,531 $1,374
Liberty Mutual $5,994 $3,935 $2,957
Nationwide $2,608 $2,608 $2,608
Progressive $4,195 $2,199 $1,620
State Farm $4,601 $2,885 $2,290
Travelers $4,365 $2,757 $2,400
USAA $4,102 $2,062 $1,823

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Cheap Newark, New York Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
14513 $2,976

Cheap Newark, New York Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,149 $3,234
GEICO $1,614 $1,711
Liberty Mutual $4,176 $4,415
Nationwide $2,608 $2,608
Progressive $2,671 $2,671
State Farm $3,144 $3,374
Travelers $3,174 $3,174
USAA $2,636 $2,689

Cheap Newark, New York Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,008 $3,180 $3,386
GEICO $1,582 $1,658 $1,747
Liberty Mutual $4,105 $4,280 $4,502
Nationwide $2,466 $2,588 $2,770
Progressive $2,542 $2,660 $2,812
State Farm $3,092 $3,278 $3,407
Travelers $3,004 $3,140 $3,377
USAA $2,588 $2,650 $2,748

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

Compare the cheapest auto insurance companies in Newark, New York 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 York

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

The Cheapest Newark, New York Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,191
GEICO $1,662
Liberty Mutual $4,295
Nationwide $2,608
Progressive $2,671
State Farm $3,259
Travelers $3,174
USAA $2,662

What affects auto insurance rates in Newark, New York?

There are a lot of reasons why auto insurance rates in Newark, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Newark, New York. 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 York commute length is 19.1 minutes according to City-Data.

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Compare Newark, New York Auto Insurance Quotes

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