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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Newark drivers pay an average of $266 per month for car insurance. The city’s rates are higher than the New Jersey statewide average of $166 per month, according to Compare.com data. Newark’s higher rates are likely due to its vehicle theft rates and dense population.[1][2]
But many companies offer premiums well below the statewide average. For example, CSAA, Foremost, and NJM offer the cheapest average car insurance rates, starting at just $142 per month.
Keep reading to learn about the cheapest insurers for various driver types in Newark, how to pick the right company, and tips to save on auto insurance.
The cheapest car insurance company in Newark is CSAA, with an average monthly premium of $142.
Newark drivers pay an average of $216 per month for liability coverage and $315 for full coverage.
New Jersey requires all drivers to have, at a minimum, a basic policy with $5,000 per accident in property damage liability and $15,000 in personal injury protection (PIP).[3]
Regardless of Newark’s average rates, you can still find ways to save on auto insurance if you know where to look. To get you started, we’ve compiled a list of companies offering rates below the city average in the table below.
Company  | Average Monthly Premium |
|---|---|
| CSAA | $142 |
| Foremost | $206 |
| NJM | $210 |
| Mercury | $243 |
| GEICO | $330 |
CSAA is the cheapest car insurance company in Newark. Its rates average $142 per month.
In the sections below, we break down which companies are the cheapest for the top rating factors.
Get personalized quotes from top insurers and save money today.
While the companies above are a great starting point, your actual rate can vary a lot depending on factors like your age, driving record, and where you live in Newark. That’s why shopping around and comparing rates is so important — it’s the best way to find cheaper rates.
The table below shows the cheapest car insurance companies for different driver profiles and coverage levels, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | CSAA | $142 |
| Full coverage | CSAA | $210 |
| Teens | CSAA | $219 |
| Seniors | CSAA | $107 |
| Drivers with a speeding ticket | CSAA | $184 |
| Drivers with an at-fault accident | CSAA | $187 |
| Drivers with a DUI | CSAA | $218 |
| Drivers with excellent credit | CSAA | $114 |
| Drivers with poor credit | CSAA | $168 |
We’ve broken things down even further for each driver and coverage type in the following sections.
The average auto insurance premium for state-minimum coverage in Newark $216 per month, according to Compare.com data.
Most insurance experts recommend buying higher coverage limits than your state requires if you have more assets you want to protect.[4] Higher liability limits can protect your finances if you cause an accident with serious injuries or property damage.
But if you’re in the market for basic coverage only, the chart below shows the five cheapest insurers in Newark for minimum coverage, according to our research.
Most Newark drivers should consider full-coverage auto insurance. Plus, lenders typically require full coverage if you lease or finance your car.[5]
An addition to liability insurance, it includes comprehensive coverage and collision coverage, which covers damage to your vehicle, regardless of fault. You can also include PIP to pay for your injuries in an accident.
The average monthly rate for full coverage in Newark is $315, according to Compare.com data. Full coverage costs more, but some offer it for close to the average liability price in the city.
Check out the chart below to see Newark’s five cheapest insurers for full coverage, according to Compare.com data.
Teens are the most expensive age group to insure because they have the highest risk of auto accidents, one of the leading causes of death for U.S. teens.[6] That may be why New Jersey has some of the strictest graduated licensing laws, with teens only able to get a learner’s permit at 16.5 and a license at 18.[7]
In Newark, teen drivers pay an average of $391 per month for car insurance. But some insurers offer even cheaper rates.
The insurers in the table below have the cheapest car insurance rates for teens in Newark, according to Compare.com data.
While teens pay the most, seniors usually pay the least of any age group for car insurance. They typically spend less time on the road and avoid driving during peak times, contributing to fewer accidents and tickets.[8]
The average cost of auto insurance for seniors in Newark is $211 per month, according to our data. But even with already low average premiums, you may still find a better deal from other insurers.
The chart below shows the five cheapest insurers for Newark seniors, according to Compare.com data.
Getting a ticket can lead to higher premiums the next time your auto policy renews. Insurers see driving habits that lead to traffic violations as a sign of risky driving behavior.[9] Our research shows that a single speeding ticket raises premiums by an average of 37% nationally.
Newark drivers with a recent ticket pay an average of $356 per month, according to our data. But several insurers offer lower rates. Check out the chart below, which highlights the cheapest insurers in Newark for drivers after a speeding ticket, according to Compare.com data.
An at-fault accident is a more serious infraction that can cause a substantial rate increase. Our research shows that rates increase by around 41% nationally after an at-fault accident.
The average cost of car insurance after an accident is $322 per month in Newark, according to our data. But even with an accident on your record, it’s possible to get coverage at an affordable price.
The five insurers in the chart below offer the cheapest rates for drivers in Newark with a recent at-fault accident on their record, according to Compare.com data.
A DUI is one of the most severe driving violations you can receive. A conviction typically comes with a staggering increase in car insurance rates. Our research shows a national average rate increase of 61% after a DUI conviction.
In Newark, drivers with a DUI conviction pay an average of $428 per month for auto insurance. But you don’t have to be stuck paying outrageous premiums.
Here are Newark’s five cheapest car insurance companies for drivers with a DUI conviction, according to Compare.com data.
It may not be common knowledge, but some car insurance companies consider your credit history when calculating premiums. Studies have shown a link between low credit and a higher chance of filing claims, making those drivers riskier to insure. We found that drivers with poor credit pay about 20% more for auto insurance than drivers with excellent credit.
Drivers with poor credit pay an average of $320 for car insurance per month, according to our data. That said, not all insurers use credit as a rating factor, and some still offer affordable rates no matter your credit history.
Check out the chart below to see the five cheapest car insurance companies for Newark drivers with poor credit, according to Compare.com data.
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Like almost all states, New Jersey requires drivers to have car insurance. You can choose from two policy options: basic and standard.
A basic policy meets the state minimums:
$5,000 per accident for property damage liability
$15,000 per person for personal injury protection
Since New Jersey is a no-fault state, your PIP pays for your injuries, no matter who caused the crash.
But most drivers will likely want a standard policy, which offers higher limits, bodily injury liability, and the right to sue if you’re injured. You should also consider uninsured motorist coverage, which protects you if someone without insurance damages your vehicle. You can also customize it with optional coverages like roadside assistance, rental reimbursement, and gap insurance.
For full details, visit the New Jersey Department of Banking and Insurance website.
The New Jersey Department of Banking and Insurance only recommends basic policies for drivers with minimal assets or family responsibilities. Everyone else should consider a standard policy with liability limits high enough to cover their assets. You can also sue for your injuries and add more PIP coverage for severe injuries.
If you finance or lease your vehicle, your lender will require comprehensive and collision coverage. These are typically only available with a standard policy. Consider your policy options and net worth to ensure your coverage meets your insurance goals and protects your finances.
Find the coverage you need for the best price in Newark.
If you still have questions, we’ve answered common questions drivers ask about Newark car insurance.
Car insurance in Newark averages $266 per month, according to Compare.com data. Liability-only coverage costs an average of $216 per month, while full coverage averages $315.
CSAA offers the cheapest auto insurance in Newark, at an average cost of $142 per month, according to Compare.com data. Remember to compare quotes to get the cheapest rate.
Yes. Newark drivers pay an average of $266 per month for auto insurance compared to the national average rate of $149, according to our research. Car insurance costs depend on multiple personal factors, so comparing quotes, bundling policies, and adding discounts can help you get cheaper coverage in Newark.
CSAA has the cheapest car insurance in New Jersey, with an average rate of $99 per month, according to Compare.com data. CSAA and Foremost are the next cheapest options for New Jersey drivers.
Progressive car insurance averages $220 per month in New Jersey, according to Compare.com data. Keep in mind that your rates may be higher or lower depending on your unique driver profile.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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