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Newark Car Insurance

How much does car insurance cost in Newark, NJ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Newark?

Newark is in the State of New Jersey and because it’s one of the oldest cities in the United States, Newark is a hotspot for many history buffs. For example, the massive ‘Wars of America’ monument sculpted by Gutzon Borglum (who sculpted Mt. Rushmore) can be observed at Military Park in Newark’s Downtown District where people gather to relax, listen to live music and play chess.

On the highest peak in Newark, next to Branch Brook Park, sits the Cathedral Basilica of the Sacred Heart, which was constructed in 1899 and finished in 1954. What you’ll find in the 40,000 square foot cathedral are hand-carved decorations made of wood, stone, and marble from around the world and stained-glass windows crafted in Germany.

In spring, you can walk under Branch Brook Park’s 2,700 Japanese cherry blossom trees, which are in full bloom during the week-long annual festival featuring Japanese cultural demonstrations, live music, food and events like bike races, a 10k run and free kid-friendly activities.

The GRAMMY Museum Experience is an interactive museum devoted to the history and winners of the GRAMMY Awards. It features some of the greatest entertainers of all time, and you can sing and dance with other music enthusiasts.

Newark Riverfront Park provides a respite for those who want to kayak, watch a movie or have a picnic. You’ll want to make sure your car is protected at a good price before you set out to explore what Newark has to offer. SmartFinancial can compare car insurance rates with over 200 partnering insurance companies for you, for free.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in New Jersey has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Newark typically pay around $174.24 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
New Jersey $134.03
Newark, New Jersey $174.24

Newark, NJ Best Car Insurance Companies

car insurance in Newark

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, New Jersey Manufacturers generally has the most affordable car insurance in Newark coming in around $136.79 per month. Other companies to consider if you live in Newark is Nationwide with an average cost of $184.25 per month and Plymouth Rock which typically runs around $216.79 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Newark.

RankCompanyAverage Monthly RateComparison State Average
1 New Jersey Manufacturers $136.792.06%
2 Nationwide $184.2537.47%
3 Plymouth Rock $216.7961.75%
4 Penn National $231.3672.62%
5 State Farm $231.8773.00%
6 Mercury Insurance Company $247.3484.55%
7 Allstate $264.2797.18%
8 Esurance $265.3097.95%
9 Liberty Mutual $268.94100.66%
10 Mercury $292.89118.53%

How Much is Car Insurance in Newark, NJ?

how much is auto insurance in Newark

Rates can vary from city to city. The residents of Jersey City typically pay $134.80 per month while people who live in New Brunswick will pay $139.91 per month on average. See what people pay for car insurance in other cities in New Jersey.

New Jersey CitiesMonthly Average Rate
Jersey City $134.80
New Brunswick $139.91
Newark $174.89
Paterson $184.06
Trenton $142.38

Cheap Car Insurance in Newark by Zip Codes

find cheap auto insurance in Newark

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of New Jersey. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Newark, NJ ZIP CodeAverage Monthly Rate
07102$189.76
07103$181.03
07104$173.94
07105$167.90
07106$171.12
07107$177.18
07108$175.40
07112$175.91
07114$156.40

Car Insurance Rates by Driver's Age Group in Newark

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $363.19 per month in Newark. Compare that to drivers in their 30’s who typically pay around $155.57 per month drivers in their 40s at $152.02 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$363.19
20s$222.18
30s$155.57
40s$152.02
50s$139.47
60s$137.62
70+$115.23

Cheapest Insurance for Teenage Drivers in Newark

If you are teen in Newark you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, New Jersey Manufacturers typically charges around $278.86 per month. This is likely the most affordable option in Newark. You might also want to consider State Farm and Penn National who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
New Jersey Manufacturers$278.86
State Farm$535.33
Penn National$615.15
Allstate$731.97
Esurance$743.72

Cheapest Insurance for 20 Year-olds in Newark

20 year-olds in Newark might want to consider New Jersey Manufacturers who, on average, offers car insurance rates around $176.46 per month. Plymouth Rock , Penn National , State Farm and Esurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
New Jersey Manufacturers$176.46
Plymouth Rock$219.50
Penn National$293.25
State Farm$299.10
Esurance$315.34

Cheapest Insurance for 30 Year-olds in Newark

If you are in your 30s in Newark our research has found that New Jersey Manufacturers typically has the most affordable coverage coming in around $131.69 per month, followed by State Farm at $209.33 and Penn National at $210.28.

CompanyAverage Monthly Rate
New Jersey Manufacturers$131.69
State Farm$209.33
Penn National$210.28
Nationwide$228.90
Allstate$233.27

Cheapest Insurance for 40 Year-olds in Newark

On average, New Jersey Manufacturers offers car insurance for 40 year-olds in Newark for around $114.83 per month. If you are looking for affordable coverage, you may also want to consider Plymouth Rock or Mercury Insurance Company. The full list of top companies is below.

CompanyAverage Monthly Rate
New Jersey Manufacturers$114.83
Plymouth Rock$151.50
Mercury Insurance Company$187.96
Penn National$192.17
State Farm$200.29

Cheapest Insurance for 50 Year-olds in Newark

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Newark we found that Nationwide generally offers the most affordable coverage at $94.95 per month.

CompanyAverage Monthly Rate
Nationwide$94.95
New Jersey Manufacturers$104.09
Plymouth Rock$137.33
Penn National$181.99
State Farm$188.21

Cheapest Insurance for 60 Year-olds in Newark

If you live in Newark and you’re in your 60s, our data indicates that New Jersey Manufacturers usually has the best rates at $97.67 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
New Jersey Manufacturers$97.67
State Farm$164.24
Penn National$179.01
Esurance$186.07
Allstate$195.77

Driver's Coverage Auto Insurance Rates in Newark, NJ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Newark, the average monthly rate for a driver who is currently insured is $156.74 while drivers who are not currently covered will pay around $196.85.

CoverageAverage Monthly Rate
Not Currently Insured $196.85
Currently Insured $156.74

Compare Recent Car Insurance Quotes in Newark

auto insurance quotes in Newark city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Newark a driver of a 2013 Acura Tl can expect to pay around $346.55 per month while someone that owns a 2013 Acura Tl may pay around $366.82 per month. Check out the list of recent quotes in Newark below.

VehicleAverage Monthly Rate
2013 Acura Tl$346.55
2013 Acura Tl$366.82
2013 Acura Tl$403.23
2013 Acura Tl$346.55
2019 Honda Accord$294.04
2019 Honda Accord$288.96
2019 Honda Accord$306.00
2019 Honda Accord$259.91
2008 Nissan Versa$172.74
2008 Nissan Versa$157.91

FAQ's for Drivers in Newark, NJ

driver’s frequently asked question in Newark

What Is the Minimum Liability Coverage Requirement in Newark, NJ?

Every state requires drivers to have a minimum amount of liability coverage. New Jersey drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Personal Injury Protection per person or accident; Coverage for injuries sustained in an automobile accident by you or other persons covered under your policy
  • $30,000; Bodily Injury Liability per accident; Coverage for claims and lawsuits by people injured as a result of an auto accident you cause
  • $5,000; Property Damage Liability; Coverage for claims and lawsuits by people whose property is damaged as a result of an auto accident you cause

New Jersey’s minimum coverage options are a little more complicated than other states’. That’s because it offers two minimum coverage levels and requires more types of coverage than many other places.

What Is the Blood Alcohol Concentration (BAC) limit in Newark, NJ?

It’s illegal to operate a motor vehicle in New Jersey at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

New Jersey bumps up DUI penalties at 0.10% BAC. This is a little more aggressive than many other states, where it’s common to increase penalties at a reading of 0.15%.

What happens if my coverage lapses?

New Jersey has some of the harshest penalties in the country for driving without insurance. These may include at least several hundred dollars in fines, plus a few hundred dollars in associated fees, as well as up to a 1-year license suspension, community service, and possible vehicle impounding. And that’s just for a first-time offense. Aggravating factors like causing an accident or injuries without coverage make things worse.

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Commute Time in Newark, NJ

35.5 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Newark, NJ

368

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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