openrate index
Log in Create account
open/ NJ/ newark

Cheapest car insurance in Newark, New Jersey

New Jersey's standard policy requires minimum liability coverage of 15/30/5, plus $15,000 PIP and uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of New Jersey →

Pulled directly from carrier rate filings for this city.

With 305,344 residents, Newark sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. Insurers are moderately spread out in Newark, about 37% between the cheapest and priciest filed rate, so shopping around still moves the number. On average, drivers here pay about 101% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 NJMFiled rate, credit/record adjusted $341.83
02 TravelersFiled rate, credit/record adjusted $355.01
03 GEICOFiled rate, credit/record adjusted $363.84
04 FarmersFiled rate, credit/record adjusted $404.10
05 ProgressiveFiled rate, credit/record adjusted $456.86
06 AllstateFiled rate, credit/record adjusted $477.39
07 Plymouth Rock AssuranceFiled rate, credit/record adjusted $541.95
Rate explainer
Why is your best rate $341.83 and not $209.31?

Newark is priced against 7 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$143.75
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, One ticket (modeled) +$67.08
Refine my profile Create account to save
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.