How Much Are Car Insurance Rates in Newark?


Understanding premium costs while insuring a vehicle in Newark is crucial because premiums in Newark are recognized for being expensive. They generally exceed New Jersey's average by 52%. Keep some money in your pocket by following our tips and saving on auto insurance in Newark.


AUTO INSURANCE PRICES: NEWARK VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$2,487$1,631$1,569


Newark Car Insurance by Accident or Violation History


Have you been involved in an at-fault accident or committed a moving violation?? That can cost you in terms of car insurance rates. $1,926 is the extra cost per year for drivers with a DUI in Newark, compared to the city average of $2,487. Reckless driving will also drive your premiums up, with typical rates of $3,800! Do you want to increase your rates by an unignorable $850? If not, be aware of your speed because getting pulled over for speeding by 16-20mph in Newark will cause that increase.


AVERAGE NEWARK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$4,413
Reckless Driving$3,800
At-fault Accident (damages less than $1,000)$3,178
At-fault Accident (damages greater than $2,000)$3,825
Speeding Ticket (16-20 mph over speed limit)$3,337


Newark Car Insurance by Marital Status and Gender


Pricing for car insurance premiums in Newark is determined by several things, including marital status and gender. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being single can cost you $163 more per year compared to being married. Females have premiums that are roughly 3% more expensive than those for males.


NEWARK AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,568
Male$2,487
Single$2,487
Married$2,324
Divorced$2,487
Widowed$2,437


Newark Auto Insurance by Credit Rating


For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are 156% more a year. The most notable benefit of better credit occurs when upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $2,055 per year.


NEWARK AUTO INSURANCE COSTS BY CREDIT LEVEL
CreditAverage Car Insurance Rate
Very Poor$5,158
Fair$3,103
Good$2,487
Very Good$2,234
Exceptional$2,011


Newark Car Insurance Rates by Age

In Newark, drivers see the greatest decrease in premiums when they reach their 20s, as they pay an average of $7,861 less after moving out of the teenage age range. The downward movement continues, which means the higher the age of drivers, the lower their premium prices. Among all age groups, drivers in their 70s have the lowest insurance payments, with rates of $2,018 per year. Those in their 60s ($2,095) also have relatively low premiums. Teenage drivers are the ones who pay the most in car insurance premiums, with typical rates of $9,879.


NEWARK AUTO INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$9,879
20s$3,529
30s$2,461
40s$2,407
50s$2,276
60s$2,095
70s$2,018


What drives up car insurance rates in Newark?

Where you live in Newark affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Newark is no exception to the rule. From zip code 07003 to 07017, premiums rise by 22 percent—that’s $482.

Expensive Newark Zip Codes: 07114, 07112, 07111, 07018, 07017

Cheap Newark Zip Codes: 07003, 07040, 07079, 07109, 07175

Newark Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Newark, you can expect 121 rainy days with an annual rainfall of 43 inches. Newark is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

121

Rainy Days a Year

43"

Avg. Annual Rainfall

27"

Avg. Annual Snowfall

Be Prepared For

Driving in Newark

2
Major Highways
I-78 U.S. 22 I-280
2
Toll Roads
NJ Turnpike Newark Bay Extension

Find Local Newark Agents

Muller Insurance

930 Washington Street Hoboken, NJ 07030

Abbott Insurance Agency-Bloomfield

219 Bloomfield Ave. Bloomfield, NJ 07003

Chadler Solutions, Inc.

100 Passaic Avenue Fairfield, NJ 07004

Not sure about Newark

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Jersey City

2

$2,558

The average Newark resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

409

That's equal to 409 cups of coffee or $1,023 in savings

See How Much You Can Save in Newark

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Recent Questions:

Newark Car Insurance

Will a non-owners cover damage to my mother's vehicle?

You can get a non-owners policy if you do not own a car and do not drive a specific vehicle. Since you drive your mom's car specifically, you would need to be added as a driver to her policy.