Newark, CA Car Insurance

Compared to their surrounding area, how do rates in Newark stack up? What about against the rest of California? What rates should residents of Newark expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Newark?

As you can see in the chart above, it is around $5 a month cheaper to insure your vehicle in Newark than it is in the rest of California.

If you're thinking of moving to Newark from out of state, you may still be in luck. Auto insurance coverage in Newark is about $30 cheaper than it is for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Newark, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't worry, we've done the work for you and broken down the average rates for Newark to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates start to rise again in Newark.

Average Car Insurance Rates by Gender

Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay a bit less than male drivers on their monthly auto coverage, the difference in Newark is only about $1 per month.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Newark, drivers with one accident on their record will experience rates around $65 a month. In addition, drivers with a single ticket on their record can expect to pay around $65 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Newark are by and large SUVs, at $48 per month.

Truck and van drivers will see rates of about $49 to insure their vehicle, while car owners usually pay around $51 a month.

Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Newark, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Newark is no exception, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Newark can expect to pay around $2 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Newark, CA

Recent trends in car insurance for Newark drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of car insurance in Newark decreased consistently from 2017 through the present, where they hit $40 per month in 2022.

How does Newark compare to neighboring areas?

Why are car insurance rates in Newark different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

• Area regulations
• Amount of off-street parking
• Crime
• Road Safety (frequency of car accidents)
• Amount of drivers in the region

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Newark?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Newark.

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Newark Insurance FAQs

What factors affect car insurance quotes in Newark?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Newark different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Newark?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Newark?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Newark or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?