Cheap Car Insurance in Newark, NJ

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Newark, NJ

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Newark drivers must contend with constant congestion, perpetual construction and those famous jughandles that require drivers to pull off to the right in order to turn left. Locals know how to use them, but a traveler who just picked up a rental car at the airport may not.

Before you hit the streets, it’s wise to purchase a quality car insurance policy. We’ve gathered quote data from real drivers in Newark to show you how you can expect rates to change based on your age, preferred coverage level and driving history.

Cheapest minimum coverage insurance in Newark

New Jersey requires drivers to carry the following minimum coverage, which the state refers to as a “basic” policy:

  • $5,000 in property damage liability.
  • $15,000 in personal injury protection, or PIP, per person per accident.

Drivers can purchase a “standard” policy for additional coverage, but it’s not required. This policy includes:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • $15,000 in PIP per person per accident.
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$80 $961 Progressive 54 February 3, 2025 Newark, NJ 7107
$81 $975 Geico 43 April 9, 2025 Newark, NJ 7106
$94 $1,128 Geico 39 March 1, 2025 Newark, NJ 7104
$96 $1,149 Geico 55 June 10, 2025 Newark, NJ 7108
$97 $1,166 Geico 43 March 14, 2025 Newark, NJ 7107
$106 $1,266 Geico 37 February 11, 2025 Newark, NJ 7108
$106 $1,275 Geico 54 February 3, 2025 Newark, NJ 7107
$112 $1,340 Progressive 68 April 22, 2025 Newark, NJ 7103
$112 $1,344 Geico 45 June 5, 2025 Newark, NJ 7103
$118 $1,412 Progressive 40 June 17, 2025 Newark, NJ 7112
Last Updated Jul 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Newark

Full coverage consists of collision and comprehensive coverages, which protect you in situations such as theft, fire, flooding or in an accident that damages your vehicle. Here are the cheapest quotes for full coverage in Newark, based on Jerry’s data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$88 $1,051 Progressive 54 February 3, 2025 Newark, NJ 7107
$119 $1,424 Progressive 68 April 22, 2025 Newark, NJ 7103
$131 $1,566 Progressive 40 June 17, 2025 Newark, NJ 7112
$135 $1,616 Progressive 55 February 17, 2025 Newark, NJ 7104
$142 $1,698 Progressive 75 July 1, 2025 Newark, NJ 7104
$144 $1,728 Progressive 56 April 9, 2025 Newark, NJ 7106
$145 $1,739 Geico 53 February 19, 2025 Newark, NJ 7103
$151 $1,809 Geico 28 May 28, 2025 Newark, NJ 7104
$151 $1,811 Progressive 38 June 15, 2025 Newark, NJ 7108
$155 $1,857 Progressive 73 June 30, 2025 Newark, NJ 7104
Last Updated Jul 30, 2025

Estimate car insurance costs

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Newark (18-29 years old)

Car insurance tends to be priciest for newer, younger drivers, though rates typically decrease once they reach their late 20s. Because age is a factor that helps insurers determine your premium, drivers in their teens and 20s may need to shop around to find the best rate. Here are some of the cheapest quotes young drivers in Newark have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$75 $896 ROOT 29 No July 3, 2025 Newark, NJ 7103
$75 $896 ROOT 29 No July 1, 2025 Newark, NJ 7103
$82 $983 National General 29 No July 3, 2025 Newark, NJ 7103
$84 $1,004 National General 29 No July 1, 2025 Newark, NJ 7103
$85 $1,018 Bristol West 29 No July 1, 2025 Newark, NJ 7103
Last Updated Jul 30, 2025

Cheapest car insurance for mature drivers in Newark (30-54 years old)

Drivers between 30 and 54 years old typically get lower rates than drivers under 30. Here are the cheapest rates that mature drivers in Newark have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$58 $690 Progressive 54 No February 3, 2025 Newark, NJ 7107
$79 $948 Progressive 40 No June 17, 2025 Newark, NJ 7112
$81 $975 Geico 43 No April 9, 2025 Newark, NJ 7106
$82 $982 Progressive 43 No June 24, 2025 Newark, NJ 7102
$84 $1,006 Progressive 44 No June 25, 2025 Newark, NJ 7103
Last Updated Jul 30, 2025

Cheapest car insurance for older drivers in Newark (55+ years old)

Drivers in their mid-50s and older typically pay the lowest premiums, though rates may rise as drivers reach their 70s. Check out the table below to see the cheapest quotes that older drivers in Newark have received through Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$67 $804 Progressive 55 February 4, 2025 Newark, NJ 7104 No
$84 $1,006 Progressive 68 April 22, 2025 Newark, NJ 7103 No
$88 $1,060 Progressive 58 April 30, 2025 Newark, NJ 7103 No
$89 $1,064 Progressive 56 April 9, 2025 Newark, NJ 7106 No
$89 $1,064 Progressive 58 March 6, 2025 Newark, NJ 7104 No
Last Updated Jul 30, 2025

Cheapest car insurance for drivers with clean records in Newark

A clean driving history helps ensure you’re getting the lowest car insurance premium possible. Take a look at the cheapest quotes that drivers in Newark with clean records have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$58 $690 Progressive 54 February 3, 2025 No Newark, NJ 7107
$67 $804 Progressive 55 February 4, 2025 No Newark, NJ 7104
$75 $896 ROOT 29 July 1, 2025 No Newark, NJ 7103
$75 $896 ROOT 29 July 3, 2025 No Newark, NJ 7103
$79 $948 Progressive 40 June 17, 2025 No Newark, NJ 7112
Last Updated Jul 30, 2025

Cheapest car insurance for drivers with low credit scores in Newark

Insurers can use your credit to help determine your car insurance premium in New Jersey, which often means that drivers with low credit scores pay higher rates. Here are the cheapest quotes that Jerry customers in Newark with credit scores below 550 have received.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $203 $2,440 Bristol West 37 June 22, 2024 Newark, NJ 7106
<550 $210 $2,524 Progressive 38 October 18, 2024 Newark, NJ 7112
<550 $221 $2,650 Bristol West 35 February 23, 2024 Newark, NJ 7103
<550 $222 $2,664 Bristol West 50 February 10, 2025 Newark, NJ 7103
<550 $228 $2,738 ROOT 41 June 10, 2025 Newark, NJ 7103
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Newark

Your insurance costs are likely to rise after an at-fault accident, but the amount of the increase may vary by insurer. Your current insurer may not give you the best quotes, so it's worth your time to shop around. This table shows the most affordable quotes that Jerry customers in Newark with at-fault accidents on their records have received.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With Injury $48 $574 Progressive 48 No May 21, 2024 Newark, NJ 7106
At Fault With No Injury $132 $1,580 Progressive 55 No March 7, 2024 Newark, NJ 7102
At Fault With No Injury $144 $1,726 Progressive 33 No May 25, 2025 Newark, NJ 7114
At Fault With No Injury $171 $2,046 Progressive 25 No July 1, 2025 Newark, NJ 7112
At Fault With No Injury $181 $2,166 Progressive 35 Yes June 22, 2024 Newark, NJ 7103
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with speeding tickets in Newark

A speeding citation is likely to cause your car insurance premium to rise. If you’ve recently received a citation, compare quotes from multiple insurers to find the cheapest option. Here are the cheapest quotes that Jerry customers in Newark have received.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $243 $2,920 Bristol West 31 November 22, 2024 Newark, NJ 7103
Speeding under 15 $296 $3,547 Bristol West 33 April 18, 2024 Newark, NJ 7114
Speeding under 15 $331 $3,966 Bristol West 39 April 12, 2024 Newark, NJ 7112
Speeding under 15 $337 $4,042 Bristol West 39 April 11, 2024 Newark, NJ 7112
Speeding under 15 $401 $4,808 Progressive 45 June 17, 2024 Newark, NJ 7106
Last Updated Jul 24, 2025
MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.