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.

121

Rainy Days a Year

43"

Avg. Annual Rainfall

27"

Avg. Annual Snowfall

Be Prepared For

Driving in Newark

Major Highways
I-78 U.S. 22 I-280
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

Check out these other New Jersey cities...

Jersey City

$2,558

The average Newark resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

409

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

See How Much You Can Save in Newark

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Newark Car Insurance

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

When Is It Worth It to Pay for More Liability Coverage?
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016

Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...

Are School Buses Even Safe?
Are School Buses Even Safe?
Nov 04, 2016

Each day, parents of 25 million American children watch them board a big yellow school bus. That’s more than half...

Help, My Car is a Lemon!
Help, My Car is a Lemon!
Sep 20, 2016

You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...

Who’s to Blame? Defining “Fault” in an Insurance Scenario
Who’s to Blame? Defining “Fault” in an Insurance Scenario
Sep 07, 2016

To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...

Are Vehicle Inspections Really About Safety?
Are Vehicle Inspections Really About Safety?
Jul 18, 2016

The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...

The Hip Way One New Jersey Town Cut Down on DUIs
The Hip Way One New Jersey Town Cut Down on DUIs
Nov 18, 2015

This summer, police and government officials in Evesham Township, located in southern New Jersey, realized that the town of 45,000...

What is PIP Insurance and Do You Really Need It?
What is PIP Insurance and Do You Really Need It?
Nov 16, 2015

Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an...

Is Gas on Demand Really the Next Big Thing?
Is Gas on Demand Really the Next Big Thing?
Oct 26, 2015

Some things we expect to change—fashion, technology, the way we communicate—and while innovations in areas prone to “the next big...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Are You Guilty of Car Insurance Fraud?
Are You Guilty of Car Insurance Fraud?
Mar 11, 2015

Insurance fraud. Sounds intense, right? Exaggerating numbers, false identities, court houses, laser beams, James Bond—fraud is the big time, people....

Travel Bans: When Hopping in Your Car Becomes Illegal
Travel Bans: When Hopping in Your Car Becomes Illegal
Feb 11, 2015

We’re sure your Twitter feed was inundated with updates and musings over the (some would say snowverrated) #Snowpocalypse of 2015. Winter...

Stop Texting and Walking: You Could Hurt Yourself
Stop Texting and Walking: You Could Hurt Yourself
Jan 23, 2015

According to numerous studies, we now spend approximately half of our waking hours looking at screens—around 8.5 hours on any...