Car Insurance in Newark
If you are insuring a vehicle in Newark, understanding premium costs is vital because premiums in Newark are known for being costly. They are generally 49% higher than the state average. Keep some money in your pocket by following the tips below about how to save on car insurance in Newark.
- City Average: $2,508
- State Average: $1,679
- National Average: $1,427
Newark Car Insurance by Gender and Marital Status
Many driver traits, including marital status and gender, can affect car insurance premiums in Newark. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being single can cost you close to 7% more per year compared to being married. Premiums for women are usually 3% more expensive than for men.
- Female: $2,585
- Male: $2,508
- Single: $2,508
- Married: $2,337
- Divorced: $2,508
- Widowed: $2,469
Newark Car Insurance by Accident or Violation History
Accidents and violations on your record can cost you in terms of prices on car insurance. Reckless driving will increase your car insurance premiums more than other driving violations. In Newark, drivers with a DUI need to spend 53% more than the city average to insure their vehicle. Reckless driving will bump your rates up as well, with typical rates of $4,477! Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. For individuals in Newark with at-fault accidents, $1,338 is the amount by which annual insurance premiums can be expected to rise.
- DUI: $3,849
- Reckless Driving: $4,477
- At-fault Accident (damages less than $1000): $3,846
- At-fault Accident (damages greater than $2000): $3,846
- Speeding Ticket (16-20 mph over speed limit): $3,361
Newark Car Insurance by Credit Rating
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the greatest reduction in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $538 per year.
- Very Poor: $4,772
- Fair: $3,897
- Good: $3,274
- Very Good: $2,665
- Exceptional: $2,127
Newark Car Insurance by Age
When drivers reach their 20s in Newark, therefore moving out of the teenage age range, they pay 65% less in premiums. You won't see a larger difference between any other age group. The downward trend continues, as the older drivers get, the more their insurance rates in Newark will decrease. Among all age groups, drivers in their 70s have the smallest insurance premiums, with rates of $1,974 per year. Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $10,121.
- Teenagers: $10,121
- 20s: $3,573
- 30s: $2,477
- 40s: $2,415
- 50s: $2,282
- 60s: $2,087
- 70s: $1,974
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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