Cheap Car Insurance in Newark, NJ

Written by Xuyun Zeng and 1 other
Updated Oct 14, 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
$60 $714 Progressive 51 08/20/25 Newark, NJ 07108
$91 $1,091 Progressive 62 08/04/25 Newark, NJ 07104
$96 $1,149 Geico 55 06/10/25 Newark, NJ 07108
$98 $1,176 Progressive 43 06/02/25 Newark, NJ 07112
$102 $1,225 Progressive 52 10/06/25 Newark, NJ 07108
$112 $1,344 Geico 45 06/05/25 Newark, NJ 07103
$118 $1,412 Geico 47 09/18/25 Newark, NJ 07112
$119 $1,424 Geico 34 04/25/25 Newark, NJ 07112
$121 $1,452 Geico 30 08/05/25 Newark, NJ 07106
$121 $1,457 Progressive 51 06/23/25 Newark, NJ 07108
Last Updated Oct. 15, 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.

Jerry finds quotes from 50 insurance partners fast.

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
$102 $1,220 Progressive 62 08/04/25 Newark, NJ 07104
$111 $1,328 Progressive 52 10/06/25 Newark, NJ 07108
$142 $1,698 Progressive 75 07/01/25 Newark, NJ 07104
$143 $1,720 Progressive 51 06/23/25 Newark, NJ 07108
$147 $1,764 Progressive 43 08/12/25 Newark, NJ 07107
$151 $1,809 Geico 28 05/28/25 Newark, NJ 07104
$151 $1,811 Progressive 38 06/15/25 Newark, NJ 07108
$153 $1,830 Progressive 60 07/29/25 Newark, NJ 07105
$154 $1,848 Geico 52 10/03/25 Newark, NJ 07112
$154 $1,852 Progressive 72 10/03/25 Newark, NJ 07104
Last Updated Oct. 15, 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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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 07/01/25 Newark, NJ 07103
$75 $896 ROOT 29 No 07/03/25 Newark, NJ 07103
$82 $983 National General 29 No 07/03/25 Newark, NJ 07103
$84 $1,004 National General 29 No 07/01/25 Newark, NJ 07103
$85 $1,018 Bristol West 29 No 07/01/25 Newark, NJ 07103
$151 $1,809 Geico 28 05/28/25 Newark, NJ 07104
$151 $1,811 Progressive 38 06/15/25 Newark, NJ 07108
$153 $1,830 Progressive 60 07/29/25 Newark, NJ 07105
$154 $1,848 Geico 52 10/03/25 Newark, NJ 07112
$154 $1,852 Progressive 72 10/03/25 Newark, NJ 07104
Last Updated Oct. 15, 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
$56 $666 Progressive 51 No 06/23/25 Newark, NJ 07108
$60 $714 Progressive 51 No 08/20/25 Newark, NJ 07108
$76 $914 Geico 30 No 08/05/25 Newark, NJ 07106
$82 $982 Progressive 43 No 06/24/25 Newark, NJ 07102
$84 $1,006 Progressive 44 No 06/25/25 Newark, NJ 07103
$151 $1,809 Geico 28 05/28/25 Newark, NJ 07104
$151 $1,811 Progressive 38 06/15/25 Newark, NJ 07108
$153 $1,830 Progressive 60 07/29/25 Newark, NJ 07105
$154 $1,848 Geico 52 10/03/25 Newark, NJ 07112
$154 $1,852 Progressive 72 10/03/25 Newark, NJ 07104
Last Updated Oct. 15, 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
$80 $962 Progressive 62 08/04/25 Newark, NJ 07104 No
$96 $1,149 Geico 55 06/10/25 Newark, NJ 07108 No
$97 $1,158 Progressive 60 07/29/25 Newark, NJ 07105 No
$100 $1,202 Progressive 75 07/01/25 Newark, NJ 07104 No
$102 $1,220 Progressive 62 08/04/25 Newark, NJ 07104 Yes
$151 $1,809 Geico 28 05/28/25 Newark, NJ 07104
$151 $1,811 Progressive 38 06/15/25 Newark, NJ 07108
$153 $1,830 Progressive 60 07/29/25 Newark, NJ 07105
$154 $1,848 Geico 52 10/03/25 Newark, NJ 07112
$154 $1,852 Progressive 72 10/03/25 Newark, NJ 07104
Last Updated Oct. 15, 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
$56 $666 Progressive 51 06/23/25 No Newark, NJ 07108
$60 $714 Progressive 51 08/20/25 No Newark, NJ 07108
$75 $896 ROOT 29 07/03/25 No Newark, NJ 07103
$75 $896 ROOT 29 07/01/25 No Newark, NJ 07103
$76 $914 Geico 30 08/05/25 No Newark, NJ 07106
$151 $1,809 Geico 28 05/28/25 Newark, NJ 07104
$151 $1,811 Progressive 38 06/15/25 Newark, NJ 07108
$153 $1,830 Progressive 60 07/29/25 Newark, NJ 07105
$154 $1,848 Geico 52 10/03/25 Newark, NJ 07112
$154 $1,852 Progressive 72 10/03/25 Newark, NJ 07104
Last Updated Oct. 15, 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 $157 $1,886 Progressive 36 09/16/25 Newark, NJ 07103
<550 $203 $2,440 Bristol West 37 06/22/24 Newark, NJ 07106
<550 $204 $2,450 Progressive 29 05/31/25 Newark, NJ 07112
<550 $210 $2,524 Progressive 38 10/18/24 Newark, NJ 07112
<550 $222 $2,664 Bristol West 50 02/10/25 Newark, NJ 07103
$151 $1,809 Geico 28 Newark, NJ 07104
$151 $1,811 Progressive 38 Newark, NJ 07108
$153 $1,830 Progressive 60 Newark, NJ 07105
$154 $1,848 Geico 52 Newark, NJ 07112
$154 $1,852 Progressive 72 Newark, NJ 07104
Last Updated Oct. 15, 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 05/21/24 Newark, NJ 07106
At Fault With No Injury $133 $1,596 Progressive 51 No 07/18/25 Newark, NJ 07104
At Fault With No Injury $133 $1,596 Progressive 51 No 07/19/25 Newark, NJ 07104
At Fault With No Injury $144 $1,726 Progressive 33 No 05/25/25 Newark, NJ 07114
At Fault With No Injury $164 $1,972 Progressive 73 No 08/12/25 Newark, NJ 07106
$151 $1,809 Geico 28 Newark, NJ 07104
$151 $1,811 Progressive 38 Newark, NJ 07108
$153 $1,830 Progressive 60 Newark, NJ 07105
$154 $1,848 Geico 52 Newark, NJ 07112
$154 $1,852 Progressive 72 Newark, NJ 07104
Last Updated Oct. 15, 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 Quote
City, State
ZIP Code
Speeding under 15 $157 $1,880 Geico 38 05/20/25 Newark, NJ 7104
Speeding over 15 $220 $2,634 Geico 44 05/13/25 Newark, NJ 7108
Speeding under 15 $237 $2,840 Progressive 41 06/19/25 Newark, NJ 7103
Speeding over 15 $242 $2,901 Progressive 28 07/23/25 Newark, NJ 7112
Speeding over 15 $250 $3,004 Geico 27 07/19/25 Newark, NJ 7106
$151 $1,809 Geico 28 05/28/25 Newark, NJ 07104
$151 $1,811 Progressive 38 06/15/25 Newark, NJ 07108
$153 $1,830 Progressive 60 07/29/25 Newark, NJ 07105
$154 $1,848 Geico 52 10/03/25 Newark, NJ 07112
$154 $1,852 Progressive 72 10/03/25 Newark, NJ 07104
Last Updated Oct. 14, 2025
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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.

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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 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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 $89 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.
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