We recommend the following five Car Insurance companies to drivers in Newark: Geico, NJM, Plymouth Rock, Selective and Progressive. These companies not only have prices lower than the average rates for both minimum and full coverage in Newark, but they also hold good reputations for customer service and provide excellent coverage plans.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of minimum-coverage car insurance in Newark is $147 per month or $1,767 per year. This is about 183% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $285 per month or $3,414 per year on average, which is about 70% more expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Newark

Geico offers the cheapest liability insurance with average rates of $71 per month or $848 per year. NJM is the second-cheapest option in Newark with average rates of $80 per month or $955 per year.

Liability coverage is the minimum coverage required by the state of New Jersey. According to New Jersey law, all drivers must either meet or exceed the following minimum requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist bodily injury coverage per person
• $50,000 underinsured/uninsured motorist bodily injury coverage per accident
• $15,000 personal injury protection (PIP)

While most drivers follow the minimum-coverage limits listed above, certain policyholders may be eligible for the cheaper but far more limited basic policy. Below are its limits:

• $5,000 property damage liability per accident
• $15,000 PIP

Cheapest Full-Coverage Car Insurance in Newark

A full-coverage car insurance policy can be pricey in Newark. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Selective is the cheapest full-coverage option with average rates of $171 per month or $2,050 per year.

There are many factors that can influence how much Newark drivers pay for car insurance. Because of this, the company that’s cheapest for one person might not be the best for another. In this part, we’ll examine how much car insurance costs in Newark based on your age, credit score and driving record.

The easiest ways to save on car insurance in Newark are by increasing your deductible, comparing quotes from multiple insurance agencies and bundling the state’s auto coverage requirements with homeowners and renters insurance.

Newark Car Insurance Cost by Age

Car insurance coverage costs significantly more for teenagers because they have a greater chance of getting into car accidents or breaking traffic laws. Our data shows that 16-year-olds pay about $605 per month or $7,255 per year for car insurance in Newark.

Car insurance costs generally get cheaper as drivers reach their 20s and they continue to decrease during middle age. Here are the average minimum-coverage car insurance rates in Newark for different age groups.

Cheapest Car Insurance in Newark: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Geico is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $142 per month or $1,699 per year. NJM, Travelers and State Farm also offer affordable premiums for Newark teens.

Newark Car Insurance Cost by Credit Score

The majority of states, New Jersey included, permit car insurance companies to consider credit scores when calculating premiums. Individuals with low credit scores will have to pay higher rates, while those with good credit scores get charged less for car insurance policies.

Cheapest Car Insurance in Newark: Poor Credit

Our rate data shows that Selective is the cheapest option for car insurance with bad credit in Newark. The company offers minimum-coverage policies to drivers with poor credit for rates of $109 per month or $1,310 per year. This is 26% less than the overall state average for minimum coverage with good credit.

Newark Car Insurance Cost by Driving Record

People who’ve received speeding tickets, been in car accidents or gotten DUIs can expect to pay higher car insurance costs. On average, speeding can increase your rates by 33%, an at-fault accident by 74% and a DUI by 85%.

While companies have different average price increases, we found NJM to be the top company in Newark if you have any driving record violations. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Newark: Speeding Ticket

In the next sections, we’ll go into a bit more detail about high-risk drivers. According to our data, Geico offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $71 per month or $848 per year. NJM follows with an average monthly rate of $96, while Plymouth Rock, Selective and Progressive round out the top five options for cheap speeding ticket car insurance in Newark.

Cheapest Car Insurance in Newark: At-Fault Accident

If you’ve caused an accident while driving, that could raise insurance rates more than if you had gotten a speeding ticket. NJM and Geico are the cheapest options here with average rates of about $80 per month and $99 per month, respectively. You can see that some auto insurance companies charge significantly more for this amount of coverage after an accident.

Cheapest Car Insurance in Newark: DUI

Getting a DUI is a big offense that could raise your car insurance rates in Newark by hundreds of dollars every year. NJM is very cheap compared to other companies, offering average rates of $96 per month or $1,156 per year for drivers with a DUI. Plymouth Rock, Selective and Geico are also good options with rates under $142 per month on average.

While auto coverage in Newark is 34% higher than New Jersey car insurance and 183% more than the national average, there are still cheap providers to shop from. Geico offers the cheapest minimum coverage in the city for about $71 per month. Selective, on the other hand, offers the most affordable full-coverage rates to Newark drivers at $171 per month.

Compare free quotes to find the company that meets your New Jersey car insurance needs at the best rate. You can compare insurance products and get quotes online or from insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Newark, N.J.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.