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Plymouth Rock Assurance is the cheapest company in Newark for full coverage policies, military members and those with a DUI or speeding ticket. Other affordable insurers are NJM for those with an at-fault accident on their records and GEICO for teenage drivers. Amica Mutual is also the best company for customer service and affordable rates.

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2023

Cheapest and Best Car Insurance in Newark, NJ

Cheapest Minimum Liability Car Insurance in Newark

The cheapest car insurance companies for a minimum coverage policy in Newark are:

  • Amica Mutual: $484 per year
  • Plymouth Rock Assurance: $562 per year

The most expensive company is Hanover, with an average premium of $2,590 per year. The cheapest car insurance in New Jersey is from GEICO, which costs an average of $478 per year across the state as of October 2022, but $613 on average in Newark. This cost difference illustrates how location can affect insurance rates.

Company
Annual Premium
Monthly Premium

Amica Mutual

$411

$34

Amica Mutual

$484

$40

GEICO

$486

$41

Plymouth Rock Assurance

$549

$46

NJM

$551

$46

Plymouth Rock Assurance

$562

$47

Amica Mutual

$579

$48

Plymouth Rock Assurance

$591

$49

GEICO

$613

$51

GEICO

$698

$58

NJM

$705

$59

Allstate

$763

$64

NJM

$811

$68

Progressive

$871

$73

Allstate

$912

$76

Travelers

$919

$77

Progressive

$924

$77

State Farm

$967

$81

NJM

$972

$81

Allstate

$988

$82

Progressive

$1,005

$84

Travelers

$1,047

$87

Plymouth Rock Assurance

$1,053

$88

GEICO

$1,060

$88

Plymouth Rock Assurance

$1,063

$89

Amica Mutual

$1,080

$90

Travelers

$1,126

$94

Mercury

$1,138

$95

Plymouth Rock Assurance

$1,161

$97

NJM

$1,254

$105

Amica Mutual

$1,283

$107

State Farm

$1,286

$107

New Jersey Skylands Insurance

$1,317

$110

New Jersey Skylands Insurance

$1,333

$111

New Jersey Skylands Insurance

$1,345

$112

Allstate

$1,351

$113

GEICO

$1,382

$115

Mercury

$1,451

$121

Mercury

$1,451

$121

Progressive

$1,508

$126

Travelers

$1,516

$126

State Farm

$1,554

$130

NJM

$1,555

$130

Foremost

$1,558

$130

State Farm

$1,576

$131

Amica Mutual

$1,586

$132

GEICO

$1,650

$138

Allstate

$1,690

$141

Progressive

$1,724

$144

Progressive

$1,731

$144

Mercury

$1,789

$149

Travelers

$1,842

$154

Allstate

$1,886

$157

Travelers

$1,914

$160

Foremost

$1,929

$161

State Farm

$2,049

$171

Hanover

$2,085

$174

Foremost

$2,170

$181

Mercury

$2,315

$193

New Jersey Skylands Insurance

$2,418

$202

New Jersey Skylands Insurance

$2,428

$202

Mercury

$2,486

$207

State Farm

$2,509

$209

Hanover

$2,590

$216

New Jersey Skylands Insurance

$2,628

$219

Foremost

$2,839

$237

Hanover

$3,011

$251

Foremost

$3,631

$303

Hanover

$4,025

$335

Foremost

$4,232

$353

Hanover

$5,304

$442

Hanover

$6,262

$522

A minimum coverage policy only covers property damage liability and personal injury protection. Based on New Jersey law, minimum coverage policies must have the following limits:

  • $5,000 property damage liability per accident
  • $15,000 personal injury protection

Personal injury protection covers the expenses involving you and your passengers in an accident. A minimum coverage policy can cover medical costs, funeral expenses and lost wages for up to $15,000.

Property damage liability pays for the damage you cause to another vehicle or someone’s property in the event of an accident. Your policy can cover up to $5,000 in repairs.

Cheapest Full Coverage Car Insurance in Newark

The cheapest car insurance companies for a full coverage policy in Newark are:

  • Plymouth Rock Assurance: $1,063 per year
  • NJM: $1,254 per year

The most expensive company is Hanover, at $5,304 per year. The cheapest full coverage car insurance in New Jersey is from NJM as of October 2022. On average, it costs $911 per year, cheaper than Newark's most affordable option.

Your premiums can be influenced by your location, along with many other factors. Finding an insurer that caters to your needs without burning a hole in your pocket is important.

Company
Annual Premium
Monthly Premium

Amica Mutual

$411

$34

Amica Mutual

$484

$40

GEICO

$486

$41

Plymouth Rock Assurance

$549

$46

NJM

$551

$46

Plymouth Rock Assurance

$562

$47

Amica Mutual

$579

$48

Plymouth Rock Assurance

$591

$49

GEICO

$613

$51

GEICO

$698

$58

NJM

$705

$59

Allstate

$763

$64

NJM

$811

$68

Progressive

$871

$73

Allstate

$912

$76

Travelers

$919

$77

Progressive

$924

$77

State Farm

$967

$81

NJM

$972

$81

Allstate

$988

$82

Progressive

$1,005

$84

Travelers

$1,047

$87

Plymouth Rock Assurance

$1,053

$88

GEICO

$1,060

$88

Plymouth Rock Assurance

$1,063

$89

Amica Mutual

$1,080

$90

Travelers

$1,126

$94

Mercury

$1,138

$95

Plymouth Rock Assurance

$1,161

$97

NJM

$1,254

$105

Amica Mutual

$1,283

$107

State Farm

$1,286

$107

New Jersey Skylands Insurance

$1,317

$110

New Jersey Skylands Insurance

$1,333

$111

New Jersey Skylands Insurance

$1,345

$112

Allstate

$1,351

$113

GEICO

$1,382

$115

Mercury

$1,451

$121

Mercury

$1,451

$121

Progressive

$1,508

$126

Travelers

$1,516

$126

State Farm

$1,554

$130

NJM

$1,555

$130

Foremost

$1,558

$130

State Farm

$1,576

$131

Amica Mutual

$1,586

$132

GEICO

$1,650

$138

Allstate

$1,690

$141

Progressive

$1,724

$144

Progressive

$1,731

$144

Mercury

$1,789

$149

Travelers

$1,842

$154

Allstate

$1,886

$157

Travelers

$1,914

$160

Foremost

$1,929

$161

State Farm

$2,049

$171

Hanover

$2,085

$174

Foremost

$2,170

$181

Mercury

$2,315

$193

New Jersey Skylands Insurance

$2,418

$202

New Jersey Skylands Insurance

$2,428

$202

Mercury

$2,486

$207

State Farm

$2,509

$209

Hanover

$2,590

$216

New Jersey Skylands Insurance

$2,628

$219

Foremost

$2,839

$237

Hanover

$3,011

$251

Foremost

$3,631

$303

Hanover

$4,025

$335

Foremost

$4,232

$353

Hanover

$5,304

$442

Hanover

$6,262

$522

Full coverage policies include comprehensive and collision coverage.

  • Collision insurance: Protects your car from losses caused by a collision with another vehicle or object.
  • Comprehensive Insurance: Protects your car from damage caused by theft, vandalism, flood or other non-collision perils.

If you drive an older vehicle with a low value, a full coverage policy might not be worth the higher premiums.

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Cheapest Car Insurance in Newark After a Driving Offense

The cheapest car insurance companies after driving violations in Newark are:

  • Speeding ticket: Plymouth Rock Assurance ($1,229 per year)
  • At-fault accident: NJM ($1,254 per year)
  • DUI: Plymouth Rock Assurance ($1,229 per year)

Hanover is the most expensive company after a speeding ticket ($5,304 per year) and after a DUI ($8,415 per year). Foremost is the most expensive company after an at-fault accident ($8,138 per year).

Having a driving violation on your record can cause your premiums to increase. Even the cheapest rates will be higher than the rates for safe drivers.

Company
Annual Premium
Monthly Premium

GEICO

$486

$41

Amica Mutual

$518

$43

Amica Mutual

$518

$43

NJM

$551

$46

Amica Mutual

$565

$47

Amica Mutual

$565

$47

GEICO

$613

$51

Plymouth Rock Assurance

$623

$52

Plymouth Rock Assurance

$623

$52

NJM

$628

$52

NJM

$628

$52

Plymouth Rock Assurance

$640

$53

Plymouth Rock Assurance

$640

$53

Amica Mutual

$660

$55

Amica Mutual

$660

$55

Plymouth Rock Assurance

$676

$56

Plymouth Rock Assurance

$676

$56

GEICO

$698

$58

NJM

$705

$59

Plymouth Rock Assurance

$712

$59

Plymouth Rock Assurance

$734

$61

Plymouth Rock Assurance

$775

$65

GEICO

$775

$65

NJM

$810

$68

NJM

$810

$68

NJM

$811

$68

GEICO

$869

$72

Allstate

$927

$77

NJM

$934

$78

NJM

$934

$78

State Farm

$967

$81

GEICO

$969

$81

NJM

$972

$81

Progressive

$1,039

$87

GEICO

$1,060

$88

Progressive

$1,079

$90

Progressive

$1,096

$91

Allstate

$1,107

$92

Allstate

$1,109

$92

NJM

$1,111

$93

NJM

$1,111

$93

Progressive

$1,138

$95

Mercury

$1,138

$95

Allstate

$1,205

$100

Plymouth Rock Assurance

$1,217

$101

Plymouth Rock Assurance

$1,217

$101

GEICO

$1,222

$102

Plymouth Rock Assurance

$1,229

$102

Plymouth Rock Assurance

$1,229

$102

Allstate

$1,252

$104

NJM

$1,254

$105

Progressive

$1,255

$105

GEICO

$1,261

$105

Amica Mutual

$1,281

$107

State Farm

$1,286

$107

Progressive

$1,306

$109

Allstate

$1,314

$110

Plymouth Rock Assurance

$1,351

$113

Plymouth Rock Assurance

$1,351

$113

Amica Mutual

$1,375

$115

GEICO

$1,382

$115

GEICO

$1,386

$116

Travelers

$1,393

$116

Plymouth Rock Assurance

$1,408

$117

Travelers

$1,413

$118

Plymouth Rock Assurance

$1,424

$119

Amica Mutual

$1,425

$119

Amica Mutual

$1,425

$119

Allstate

$1,436

$120

NJM

$1,443

$120

NJM

$1,443

$120

Mercury

$1,451

$121

Mercury

$1,451

$121

Amica Mutual

$1,465

$122

Allstate

$1,498

$125

Progressive

$1,511

$126

Amica Mutual

$1,543

$129

Amica Mutual

$1,543

$129

State Farm

$1,554

$130

NJM

$1,555

$130

Travelers

$1,560

$130

Plymouth Rock Assurance

$1,572

$131

Progressive

$1,573

$131

State Farm

$1,576

$131

State Farm

$1,594

$133

New Jersey Skylands Insurance

$1,600

$133

New Jersey Skylands Insurance

$1,600

$133

New Jersey Skylands Insurance

$1,620

$135

New Jersey Skylands Insurance

$1,620

$135

Travelers

$1,625

$135

New Jersey Skylands Insurance

$1,635

$136

New Jersey Skylands Insurance

$1,635

$136

Allstate

$1,640

$137

Allstate

$1,642

$137

Travelers

$1,645

$137

GEICO

$1,650

$138

Foremost

$1,689

$141

GEICO

$1,740

$145

Travelers

$1,757

$146

Travelers

$1,789

$149

Mercury

$1,789

$149

NJM

$1,795

$150

NJM

$1,795

$150

Mercury

$1,821

$152

Progressive

$1,825

$152

Travelers

$1,834

$153

Foremost

$1,836

$153

Amica Mutual

$1,847

$154

Amica Mutual

$1,847

$154

Progressive

$1,887

$157

Progressive

$1,946

$162

Allstate

$1,947

$162

GEICO

$1,992

$166

Travelers

$2,005

$167

Mercury

$2,042

$170

Mercury

$2,048

$171

Allstate

$2,048

$171

State Farm

$2,049

$171

Progressive

$2,069

$172

Hanover

$2,085

$174

Foremost

$2,093

$174

State Farm

$2,133

$178

Progressive

$2,192

$183

Progressive

$2,199

$183

Allstate

$2,242

$187

Foremost

$2,268

$189

Allstate

$2,295

$191

GEICO

$2,298

$192

Mercury

$2,315

$193

Progressive

$2,334

$195

Foremost

$2,341

$195

Travelers

$2,397

$200

Allstate

$2,410

$201

Mercury

$2,470

$206

Mercury

$2,472

$206

Mercury

$2,486

$207

State Farm

$2,509

$209

Foremost

$2,520

$210

Mercury

$2,570

$214

Hanover

$2,590

$216

State Farm

$2,593

$216

State Farm

$2,603

$217

Travelers

$2,648

$221

Travelers

$2,672

$223

Progressive

$2,707

$226

Allstate

$2,708

$226

Travelers

$2,714

$226

GEICO

$2,786

$232

Allstate

$2,796

$233

Travelers

$2,822

$235

GEICO

$2,929

$244

Progressive

$2,987

$249

Travelers

$2,988

$249

Hanover

$3,011

$251

New Jersey Skylands Insurance

$3,019

$252

New Jersey Skylands Insurance

$3,019

$252

New Jersey Skylands Insurance

$3,030

$253

New Jersey Skylands Insurance

$3,030

$253

Mercury

$3,032

$253

Travelers

$3,038

$253

New Jersey Skylands Insurance

$3,042

$254

Hanover

$3,046

$254

New Jersey Skylands Insurance

$3,083

$257

New Jersey Skylands Insurance

$3,114

$260

Travelers

$3,116

$260

Allstate

$3,148

$262

Foremost

$3,154

$263

Travelers

$3,191

$266

Progressive

$3,277

$273

GEICO

$3,294

$275

New Jersey Skylands Insurance

$3,301

$275

New Jersey Skylands Insurance

$3,301

$275

State Farm

$3,411

$284

Mercury

$3,421

$285

Hanover

$3,429

$286

Foremost

$3,516

$293

Foremost

$3,610

$301

Mercury

$3,627

$302

Hanover

$3,736

$311

State Farm

$3,792

$316

Amica Mutual

$3,843

$320

Hanover

$4,025

$335

Foremost

$4,032

$336

Mercury

$4,086

$341

Amica Mutual

$4,148

$346

Hanover

$4,194

$350

State Farm

$4,197

$350

Mercury

$4,198

$350

Hanover

$4,201

$350

Foremost

$4,235

$353

Mercury

$4,293

$358

Amica Mutual

$4,467

$372

Foremost

$4,548

$379

Foremost

$4,596

$383

Foremost

$4,656

$388

Hanover

$4,719

$393

State Farm

$5,117

$426

Foremost

$5,228

$436

Hanover

$5,304

$442

New Jersey Skylands Insurance

$5,836

$486

New Jersey Skylands Insurance

$5,857

$488

Hanover

$5,884

$490

State Farm

$6,211

$518

State Farm

$6,248

$521

Hanover

$6,262

$522

New Jersey Skylands Insurance

$6,423

$535

Hanover

$6,557

$546

Foremost

$6,636

$553

Hanover

$7,575

$631

Foremost

$8,138

$678

State Farm

$8,198

$683

Hanover

$8,415

$701

Hanover

$8,714

$726

Foremost

$8,936

$745

Hanover

$9,659

$805

State Farm

$10,125

$844

More serious offenses may result in higher rates. For example, annual premiums in Newark increase an average of $1,787 after a DUI. However, the average increase after a speeding ticket is only $270. Comparing rates can help you find the cheapest car insurance when you have a bad driving record.

Cheapest Car Insurance in Newark for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Newark are:

  • GEICO: $3,012 per year for female teens and $3,239 per year for male teens
  • Travelers: $3,743 per year for female teens and $4,121 per year for male teens

The most expensive company is Foremost, which costs $7,945 per year for female teens and $8,841 per year for male teens. Male teenagers tend to pay higher premiums because they’re deemed high-risk. However, this gender-based cost difference tapers off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,579

$4,087

GEICO

$1,654

$4,283

GEICO

$1,714

$4,437

GEICO

$1,725

$5,051

State Farm

$1,878

$7,421

Travelers

$1,933

$3,979

Travelers

$1,965

$3,940

Travelers

$2,068

$4,257

Travelers

$2,087

$4,586

GEICO

$2,091

$3,885

State Farm

$2,093

$8,268

Travelers

$2,118

$4,360

Travelers

$2,172

$4,355

State Farm

$2,198

$9,953

Travelers

$2,221

$4,921

Allstate

$2,282

$3,900

Travelers

$2,291

$4,592

Allstate

$2,296

$3,883

State Farm

$2,300

$9,090

GEICO

$2,338

$5,214

Travelers

$2,358

$4,978

Progressive

$2,377

$2,873

GEICO

$2,418

$4,492

Travelers

$2,418

$5,338

GEICO

$2,476

$5,394

GEICO

$2,490

$4,626

Progressive

$2,518

$4,612

Allstate

$2,551

$4,692

Allstate

$2,561

$4,376

Progressive

$2,572

$3,121

Progressive

$2,610

$4,729

Allstate

$2,617

$4,472

Allstate

$2,618

$4,918

GEICO

$2,744

$5,496

GEICO

$2,765

$7,010

Allstate

$2,789

$5,209

Travelers

$2,802

$6,838

Progressive

$2,802

$3,387

Travelers

$2,808

$5,926

GEICO

$2,812

$6,270

Travelers

$2,831

$7,136

Travelers

$2,842

$6,273

Allstate

$2,862

$4,840

Allstate

$2,901

$5,469

Progressive

$2,904

$3,524

Allstate

$2,916

$4,932

Travelers

$2,935

$8,107

Progressive

$2,944

$4,248

Progressive

$2,995

$6,235

GEICO

$3,012

$7,410

GEICO

$3,012

$7,410

GEICO

$3,012

$7,410

Progressive

$3,044

$4,327

Progressive

$3,063

$5,609

GEICO

$3,067

$6,143

Progressive

$3,081

$3,724

GEICO

$3,096

$6,964

Travelers

$3,110

$8,762

Progressive

$3,133

$3,802

State Farm

$3,187

$8,103

Progressive

$3,226

$6,771

GEICO

$3,234

$7,181

GEICO

$3,239

$7,197

GEICO

$3,241

$7,197

State Farm

$3,312

$10,381

Progressive

$3,332

$6,038

Allstate

$3,425

$7,801

Allstate

$3,504

$6,583

Progressive

$3,567

$16,125

Travelers

$3,616

$9,989

State Farm

$3,626

$12,145

State Farm

$3,690

$11,564

Travelers

$3,743

$12,922

State Farm

$3,841

$9,765

Progressive

$3,864

$17,364

Allstate

$3,873

$8,921

Travelers

$3,976

$11,200

Allstate

$3,987

$7,515

State Farm

$4,022

$12,189

Travelers

$4,121

$14,861

State Farm

$4,267

$10,847

State Farm

$4,458

$12,903

Allstate

$4,511

$8,663

State Farm

$4,600

$15,797

State Farm

$4,671

$16,260

State Farm

$4,679

$16,069

Progressive

$4,737

$23,969

Allstate

$4,803

$9,225

State Farm

$4,940

$15,521

State Farm

$5,002

$14,480

Allstate

$5,094

$11,463

Progressive

$5,130

$25,770

Allstate

$5,164

$9,891

Progressive

$5,342

$24,152

Allstate

$5,510

$10,553

Foremost

$5,628

$6,677

Foremost

$5,755

$6,828

Foremost

$5,775

$6,852

Foremost

$5,787

$7,107

Progressive

$5,792

$26,028

Foremost

$5,829

$6,774

Allstate

$5,876

$13,317

Foremost

$6,038

$7,436

Foremost

$6,202

$7,208

Foremost

$6,250

$7,715

Foremost

$6,330

$7,356

State Farm

$6,635

$20,232

Foremost

$6,647

$8,228

State Farm

$6,701

$20,435

Foremost

$6,730

$16,358

State Farm

$6,732

$20,917

Foremost

$7,159

$17,402

Foremost

$7,382

$10,311

Foremost

$7,513

$18,318

Foremost

$7,736

$9,528

Foremost

$7,945

$24,173

Foremost

$7,957

$19,402

Foremost

$8,340

$11,698

Foremost

$8,841

$26,954

Foremost

$8,924

$11,047

Purchasing individual car insurance for a teen is significantly more expensive than adding them to a family policy. An individual car insurance policy for a 16-year-old boy in Newark can cost $6,559 annually. The annual cost of adding the same teen to a family policy is $3,708, a savings of $2,854.

Always shop around to find the cheapest car insurance for teenagers. You can also take advantage of discounts for young drivers to reduce premiums.

Cheapest Car Insurance in Newark for Military Drivers

The following companies offer the cheapest full coverage military family car insurance in Newark:

  • Plymouth Rock Assurance: $1,063 per year
  • NJM: $1,254 per year

USAA also offers affordable car insurance for military drivers. The cheapest options for minimum coverage are Amica Mutual ($484 per year) and Plymouth Rock Assurance ($562 per year). Consider looking for military-specific discounts to reduce the cost of your policy further.

Company
Annual Premium
Monthly Premium

Amica Mutual

$411

$34

Amica Mutual

$484

$40

GEICO

$486

$41

Plymouth Rock Assurance

$549

$46

NJM

$551

$46

Plymouth Rock Assurance

$562

$47

Amica Mutual

$579

$48

Plymouth Rock Assurance

$591

$49

GEICO

$613

$51

GEICO

$698

$58

NJM

$705

$59

Allstate

$763

$64

NJM

$811

$68

Progressive

$871

$73

Allstate

$912

$76

Travelers

$919

$77

Progressive

$924

$77

State Farm

$967

$81

NJM

$972

$81

Allstate

$988

$82

Progressive

$1,005

$84

Travelers

$1,047

$87

Plymouth Rock Assurance

$1,053

$88

GEICO

$1,060

$88

Plymouth Rock Assurance

$1,063

$89

Amica Mutual

$1,080

$90

Travelers

$1,126

$94

Mercury

$1,138

$95

Plymouth Rock Assurance

$1,161

$97

NJM

$1,254

$105

Amica Mutual

$1,283

$107

State Farm

$1,286

$107

New Jersey Skylands Insurance

$1,317

$110

New Jersey Skylands Insurance

$1,333

$111

New Jersey Skylands Insurance

$1,345

$112

Allstate

$1,351

$113

GEICO

$1,382

$115

Mercury

$1,451

$121

Mercury

$1,451

$121

Progressive

$1,508

$126

Travelers

$1,516

$126

State Farm

$1,554

$130

NJM

$1,555

$130

Foremost

$1,558

$130

State Farm

$1,576

$131

Amica Mutual

$1,586

$132

GEICO

$1,650

$138

Allstate

$1,690

$141

Progressive

$1,724

$144

Progressive

$1,731

$144

Mercury

$1,789

$149

Travelers

$1,842

$154

Allstate

$1,886

$157

Travelers

$1,914

$160

Foremost

$1,929

$161

State Farm

$2,049

$171

Hanover

$2,085

$174

Foremost

$2,170

$181

Mercury

$2,315

$193

New Jersey Skylands Insurance

$2,418

$202

New Jersey Skylands Insurance

$2,428

$202

Mercury

$2,486

$207

State Farm

$2,509

$209

Hanover

$2,590

$216

New Jersey Skylands Insurance

$2,628

$219

Foremost

$2,839

$237

Hanover

$3,011

$251

Foremost

$3,631

$303

Hanover

$4,025

$335

Foremost

$4,232

$353

Hanover

$5,304

$442

Hanover

$6,262

$522

How to Compare Cheap Newark Car Insurance Quotes Online

In Newark, New Jersey, getting a vehicle insurance quote online can take 15 minutes or longer. Insurers typically request a lot of personal information before giving you a quote.

MoneyGeek’s car insurance calculator can quickly give you a rough estimate just by using your age, car type, amount of coverage and driving history.

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Best Car Insurance in Newark: Summary

The best car insurance for you depends on a wide range of personal factors. MoneyGeek identified the best companies in Newark, New Jersey, in several categories:

  • Best overall: Amica Mutual (MoneyGeek score 84 out of 100)
  • Best for service: Amica Mutual (MoneyGeek score 71 out of 100)
  • Best cheap: Amica Mutual (MoneyGeek score 87 out of 100)

Factors have different weightings for some categories, so a company’s overall MoneyGeek scores may vary. Amica Mutual also offers the best car insurance in New Jersey. Military drivers may find the best car insurance from USAA.

Best Overall Car Insurance in Newark

Based on our analysis, the best car insurance companies in Newark are:

  • Amica Mutual: MoneyGeek score 84 out of 100 ($1,283 per year)
  • NJM: MoneyGeek score 80 out of 100 ($1,254 per year)

Amica Mutual received high scores for affordability and customer satisfaction. It’s one of the cheapest options but still offers quality customer service. USAA is another great option for military drivers.

The best car insurance for you depends on your needs and preferences. Shopping around for specific coverages and discounts that work well for you and your budget is important.

How was this MoneyGeek score calculated?

Amica Mutual

pros

One of the most affordable options in Newark, New Jersey

Provides good customer service

Has full glass coverage, gap insurance and identity theft protection

cons

Received a low score for claims management

Doesn’t have deductible modification

COMPANY HIGHLIGHTS

Amica Mutual provides several add-on coverages, including full glass coverage and gap Insurance. Policyholders who purchase full glass coverage are fully protected if they find a chip or a crack on their windshield or any other glass in their vehicle. This coverage comes with zero deductible.

The company’s gap insurance pays for the difference between your car’s market value and the amount left on your loan or lease if the vehicle is totaled or stolen. Amica Mutual also offers identity theft protection, which provides credit alerts and resolution assistance in case of identity fraud.

Additional coverages include new car replacement, which replaces your car with a new one if it's totaled. This coverage is available for cars under a year old with less than 15,000 miles.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Car Insurance in Newark for Customer Service

Without considering affordability, the best companies for customer service in Newark are:

  • Amica Mutual: MoneyGeek score 71 out of 100 ($1,283 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($3,631 per year)

Amica Mutual scores high in customer satisfaction and coverage options. This company is also one of the cheapest options in the city, so you won’t have to sacrifice quality customer service for a lower cost.

How was this MoneyGeek score calculated?

Amica Mutual

pros

Has the best customer satisfaction rating

Offers a good range of coverages

Has glass deductible modification coverage, accident forgiveness and rental reimbursement

cons

Claims management may not be its strength

Doesn’t allow general deductible modification

COMPANY HIGHLIGHTS

Amica’s high customer satisfaction and coverage scores indicate you’re likely to get good customer service and have adequate protection in case of a covered loss. The company also offers the most affordable rates.

The company provides several coverage add-ons. Its glass deductible modification coverage reduces out-of-pocket expenses for replacing glass parts in your car. Amica’s accident forgiveness add-on lets you earn Advantage points after a year of safe driving. Policyholders can use Advantage points to prevent premiums from increasing after a claim or to reduce or eliminate deductibles.

Your Amica Mutual policy can also cover transportation costs while your car is under repair. Its rental reimbursement coverage pays for a rental car, ridesharing and other public transportation costs.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Cheap Car Insurance in Newark

We focused our analysis on affordability and service quality for policies that only meet New Jersey’s minimum coverage requirements and found that the best companies in Newark are:

  • Amica Mutual: MoneyGeek score 87 out of 100 ($484 per year)
  • NJM: MoneyGeek score 79 out of 100 ($705 per year)

Minimum coverage policies feature the lowest rates but offer the least liability protection and don’t cover damages to your car.

How was this MoneyGeek score calculated?

Amica Mutual

pros

An affordable minimum coverage policy at $484 per year

Has bundling, airbag and continuously insured discounts

Received a good customer service rating

cons

Has a low score for claims management

COMPANY HIGHLIGHTS

Amica Mutual received high scores for affordability and customer satisfaction. It offers the most affordable premiums in this city. It also provides quality customer service, so you'll likely experience customer engagement and transparency.

This company gives discounts for bundling, being a good student, insuring multiple cars and safe driving. Bundling discounts help you save money when you pair your car insurance with home or other types of insurance. If you’re a young driver, you can get a discount for maintaining excellent grades in school. Insuring two or more cars with Amica Mutual and staying claims-free for three years can also get you a discount.

Having safety features in your car, like anti-theft devices, passive restraints, electronic stability control, adaptive headlights and collision warnings, can also help you save money. Other insurers don’t typically offer these discounts.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Average Cost of Car Insurance in Newark

The average cost of car insurance in Newark is $2,145 per year. This rate is based on a full coverage policy with $300,000 in bodily injury liability per accident, $100,000 bodily injury liability per person and $100,000 in property damage liability per accident.

As of October 2022, the cost in Newark is $245 more expensive than the average cost of car insurance in New Jersey and $635 more than the average cost of car insurance in the U.S. Location is one of many factors that affect the cost of car insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.