Newark, OH Car Insurance

Newark drivers pay, on average, around $52 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How does Newark compare to the surrounding area and the rest of Ohio? What rates can 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:  

How much is car insurance in Newark?

Area Average Monthly Car Insurance Premium
Newark$52
OH$59
United States$80

Looking at the chart above, you can see it's around $7 a month cheaper to insure your vehicle in Newark than it is in the rest of Ohio.

If you're thinking of moving to Newark from out of state, you may still be in luck. You can expect to pay about $28 less for your policy in Newark than in the rest of United States.

While these are the average car insurance rates for Newark, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Newark to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$85
25-34$44
35-44$42
45-54Not Enough Data
55-64$36
65+$35

More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Newark drivers may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$49

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Newark, male drivers pay about $6 more per month. As you can see in the table above, male drivers in the area typically pay $55 on average, while female drivers typically pay $49 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$94
1 Ticket$75
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Newark, drivers with one accident on their record will experience rates around $60 a month. In addition, drivers with a single ticket on their record can expect to pay around $75 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$42
2-3 Years$33
4-5 Years$48
6-7 Years$79
8-10 Years$51
11-14 Years$52
15 Years or Older$48

According to the first table above, the cheapest vehicles to insure in Newark are usually trucks and vans, at $40 per month.

Car owners can expect to pay an average of around $54 a month for their policy, while SUVs usually cost around $50 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based 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 six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$43
Divorced$40
Widowed$32

On average, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Newark can be as much as $13 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$52
Live with parents$92

Another factor taken into consideration is your housing status. Drivers who own property in Newark can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Newark, OH

Recent trends in car insurance for Newark drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Newark, the rates for auto insurance rose from 2016-2017, when they hit a high of $55. This changed in 2018, when they began to turn downward again. They finished down in 2021, at $42 a month

How does Newark compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • General road safety (how many accidents each locality has)
  • Regional regulations
  • Total drivers
  • Off-street parking accessibility
  • Crime

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 learn more.

How can I find the cheapest car insurance in Newark?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Newark.

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Newark Insurance FAQs

What factors affect car insurance quotes in Newark?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Newark or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes