Cheapest Car Insurance in Newark (2026)

Plymouth Rock charges Newark's lowest minimum coverage rates at $84 monthly, while also offering the most affordable full coverage at $151 per month or $1,812 annually. These premiums apply to drivers with clean records. Your age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

New Jersey drivers pay about $96 per month for minimum coverage, while Newark drivers average $147. Full coverage shows a similar gap, increasing from the state average of $164 to $248 in Newark. 

Heavier traffic in the city leads to more accidents and minor collisions, and vehicle theft rates tend to be higher in urban areas. State requirements also call for higher liability limits, which adds to overall costs.

Read More: The cheapest car insurance in New Jersey

Young drivers in Newark pay an average of $380 per month across the five lowest-cost insurers. This compares with $186 for adult drivers and $214 for seniors. Limited driving experience and higher accident rates lead to higher prices for this age group, with young drivers paying more than twice the adult average.

Cheapest Newark car insurance by age:

• Young drivers: GEICO at $316 per month
• Adult drivers: Plymouth Rock at $151 per month
• Senior drivers: Selective Insurance at $169 per month

Once drivers establish experience, age matters less. The modest $28 difference between adult and senior premiums shows insurers treat experienced drivers similarly whether they're 40 or 70 years old.

Drivers ages 16 to 25 pay the highest car insurance rates in Newark, as insurers account for limited driving experience and higher accident risk. GEICO offers the lowest full coverage for this age group at $316 per month or $3,793 per year. 

Among Newark’s five least expensive insurers, young drivers average $380 per month, compared to $186 for adults. Choosing GEICO instead of Selective Insurance at $452 per month can save young Newark drivers $136 each month. 

Adding a young driver to a family policy is often less expensive than a separate policy, though higher rates usually continue until age 25.

Note: Teen drivers under 18 may have additional legal requirements and restrictions that vary by state.

Newark seniors often qualify for competitive insurance rates thanks to long driving histories and clean records, with Selective Insurance offering full coverage at $169 per month or $2,025 per year. While many insurers price seniors favorably, some adjust rates for drivers over 70 due to slower reaction times. 

Among the five lowest-cost insurers, seniors in Newark average $214 per month, which is $28 higher than the adult average of $186. Choosing Selective Insurance instead of Farmers at $277 per month saves Newark seniors $108 each month. 

Seniors may also lower costs by completing defensive driving courses or qualifying for low-mileage discounts when driving fewer than 7,500 miles per year.

Adult drivers in Newark ages 26 to 64 see the lowest insurance rates, with Plymouth Rock offering full coverage at $151 per month or $1,812 per year. Insurers price this group more favorably due to longer driving histories and lower accident rates compared to younger and older drivers. Among Newark’s five lowest-cost insurers, adults average $186 per month, which is less than other age groups.

Choosing Plymouth Rock instead of Travelers at $224 per month can save Newark adults $73 each month. Keeping a clean driving record, bundling policies, and qualifying for good driver discounts can help lower costs further.

Insurance costs increase in Newark when violations appear on a driver’s record. Plymouth Rock offers the lowest rates across all categories, with $84 per month for drivers with clean records, $96 for speeding tickets, and $100 for DUI violations. 

Among the five lowest-priced insurers, average monthly costs rise from $108 for clean drivers to $120 for speeding tickets, $140 for at-fault accidents, and $158 for DUIs.

DUIs lead to the largest increases because they involve serious legal issues and place drivers in a higher risk group, often with added filing requirements. At-fault accidents raise rates because they show a history of causing damage or injuries. 

Speeding tickets tend to result in smaller increases since they indicate risky behavior without confirmed accidents.

The cheapest ZIP code in Newark averages $142 per month, while the highest-priced area, ZIP code 07108, reaches $270. This range shows how location within the city affects insurance costs. You can find your ZIP code’s rate in the table below.

Newark’s most populated neighborhoods include 07104, 07103 and 07107, where minimum coverage averages $242, $270, and $242 per month. These differences relate to factors such as accident rates, vehicle theft, population density and uninsured drivers. 

Use the table filter to find your ZIP code and review the typical rate in your area.

You can secure competitive rates and proper coverage in Newark by knowing which discounts to claim and which companies to compare.

Want to find affordable coverage in Newark? This FAQ offers clear answers about available discounts, state regulations and coverage types to help you secure coverage that works for your budget and meets your protection needs.

Newark drivers pay some of New Jersey's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Newark's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.