Newark, DE Car Insurance

Newark drivers pay, on average, around $173 a month for their car insurance. For more information refer to our guide below.
How does Newark stack up to the rest of the area, or even Delaware as a whole? What can Newark residents expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Newark?

Area Average Monthly Car Insurance Premium
Newark$173
DE$177
United States$81

Compared to the rest of the Delaware, coverage in Newark is about $4 a month cheaper.

The average cost of insuring your vehicle in Newark is above the national rate. It's around $92 more expensive to insure your vehicle in Newark compared to the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in Newark, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Newark so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$286
25-34$145
35-44$149
45-54$121
55-64$107
65+$112

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to go back up in Newark.

Average Car Insurance Rates by Gender

Gender Average
Male$184
Female$153

Car insurance rates for women are generally cheaper than they are for men. This is true in Newark, where male drivers pay about $31 more a month. As you can see in the table above, male drivers in the area typically pay $184 on average, while female drivers typically pay $153 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$165
Multiple Accidents$218
1 Ticket$193
Multiple Tickets$166

Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Newark, a driving record with one accident will usually get you a rate around $165 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $193.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$125
2-3 Years$221
4-5 Years$197
6-7 Years$201
8-10 Years$167
11-14 Years$160
15 Years or Older$151

In terms of affordable coverage, the cheapest vehicles to insure in Newark are usually cars, at $170 per month.

Truck and van drivers will see rates of about $184, while the rates for SUV owners average out to about $178 per month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Newark, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$180
Married$150
Divorced$123
Widowed$91

Generally speaking, 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.

The difference in rates based on relationship status in Newark is about $30 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$153
Rent$186
Live with parents$148

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $33 a month more than drivers who own property in Newark. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Newark, DE

Recent trends in car insurance for Newark drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The rates for auto insurance in Newark rose from 2017-2018, but leveled out in 2021. Rates have been decreasing since then and recently reached a low of $113 a month in 2022.

How does Newark compare to neighboring areas?

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

There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Amount of off-street parking
  • Number of car accidents
  • Prevalence of crime
  • Total amount of drivers in the community
  • Regional regulations

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Newark?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies 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 age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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 by using sites like Compare.com to compare multiple quotes at once.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Newark or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes