How Much Does Car Insurance Cost in Newark?


New Jersey premiums exceed the national average by 18%, which is why the state is known for its costly rates. Premiums run even higher in the city, so it is especially crucial to cut costs while insuring a vehicle in Newark. Let's compare car insurance costs in Newark versus premiums across the nation.


INSURANCE RATES: NEWARK VS. STATE/NATIONAL AVERAGES
City Average State Average National Average
$2,508 $1,679 $1,427


Newark Auto Insurance With Accidents or Violations


Previous accidents and violations can cost you in terms of prices on car insurance. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Newark have rates $1,341 greater than the city average of $2,508. Reckless driving will bump your premiums up as well, with average rates of $4,477! Accidents happen, even to safe drivers, so be prepared and learn the effect one can have on your rates. Being at-fault in an accident costs drivers an extra $1,338 per year to insure your vehicle in Newark.


AVERAGE NEWARK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Rate
DUI/DWI $3,849
Reckless Driving $4,477
At-fault Accident (damages less than $1,000) $3,846
At-fault Accident (damages greater than $2,000) $3,846
Speeding Ticket (16-20 mph over speed limit) $3,361


Newark Auto Insurance by Credit Level


For individuals with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are 55% less a year. The largest benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $538 per year.


NEWARK AUTO INSURANCE RATES BY CREDIT TIER
Credit Score Average Auto Insurance Rate
Very Poor $4,772
Fair $3,897
Good $3,274
Very Good $2,665
Exceptional $2,127


Newark Car Insurance Rates by Driver Age

At $1,974, drivers in their 70s have the lowest premiums among any age group. With car insurance payments of $10,121 on average, teenage drivers have the biggest premiums of any age group. Drivers in Newark see the most significant dip in premiums when they hit their 20s, as they save an average of 65% from moving out of the teenage age bracket. The downward direction continues, which means the higher the age of drivers, the lower their insurance rates.


NEWARK AUTO INSURANCE COSTS BY AGE
Age Average Rate
Teenagers $10,121
20s $3,573
30s $2,477
40s $2,415
50s $2,282
60s $2,087
70s $1,974


Newark Auto Insurance by Gender and Marital Status


In Newark, a lot of driver characteristics, including marital status and gender, can have an effect on car insurance premiums. Being married can save you an average of 7% per year compared to being single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single. Premiums for men and women normally vary by 3%, with women paying more.


NEWARK CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Rate
Female $2,585
Male $2,508
Single $2,508
Married $2,337
Divorced $2,508
Widowed $2,469


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

Chadler Solutions, Inc.

100 Passaic Avenue Fairfield, NJ 07004

Muller Insurance

930 Washington Street Hoboken, NJ 07030

Abbott Insurance Agency-Bloomfield

219 Bloomfield Ave. Bloomfield, NJ 07003

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

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Newark Car Insurance

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