Car Insurance Cost in Newark, DE – Cheapest Vehicles + 2025 Rates

• Average Newark car insurance cost is $2,804 per year for a full coverage policy. Average cost per month is around $234.
• Compact SUVs like the Mazda CX-5, Toyota Corolla Cross, and Subaru Crosstrek have the best chance of receiving cheap car insurance in Newark.
• A few vehicles with the cheapest auto insurance in Newark in their automotive segment include the Honda Passport ($2,234 per year), Chevrolet Colorado ($2,472 per year), Chevrolet Tahoe ($2,632 per year), and Nissan Titan ($2,626 per year).

How much is car insurance in Newark, Delaware?

Average car insurance rates in Newark, DE, cost $2,804 per year, or about $234 per month. That’s 23.2% more expensive than the overall overall national average rate of $2,221 per year.

In the state of Delaware, average car insurance cost is $2,716 per year, so the average cost in Newark is $88 more per year. The average cost to insure a car in Newark compared to other Delaware cities is about $286 per year more expensive than in Dover, $178 per year more than in Smyrna, and $66 per year more expensive than in Middletown.

The chart below shows a summary of auto insurance rates in Newark for 2024 model year vehicles, averaged based on a number of different driver ages, policy physical damage deductibles, and risk scenarios.

In the chart above, the cost of car insurance in Newark ranges from $2,334 per year for a 40-year-old driver who meets the requirements for many policy discounts to $6,456 per year for a 30-year-old driver who is required to buy high-risk auto insurance. From a monthly standpoint, the average cost ranges from $195 to $538 per month.

Car insurance rates can have significant differences in cost and seemingly inconsequential changes in a driver’s risk profile can have large effects on car insurance cost. This variability reinforces the need for multiple auto insurance quotes when shopping around for cheaper coverage.

The age of the rated driver is the largest factor that influences the price you pay for auto insurance, so the list below details how driver age influences cost by showing the difference in average car insurance rates in Newark depending on driver age.

Car insurance cost in Newark for drivers age 16 to 60

• 16-year-old rated driver – $9,995 per year or $833 per month
• 17-year-old rated driver – $9,682 per year or $807 per month
• 18-year-old rated driver – $8,677 per year or $723 per month
• 19-year-old rated driver – $7,905 per year or $659 per month
• 20-year-old rated driver – $5,646 per year or $471 per month
• 30-year-old rated driver – $2,994 per year or $250 per month
• 40-year-old rated driver – $2,804 per year or $234 per month
• 50-year-old rated driver – $2,488 per year or $207 per month
• 60-year-old rated driver – $2,328 per year or $194 per month

Which vehicles have cheap insurance in Newark, DE?

The vehicles with the cheapest average insurance rates in Newark, DE, tend to be compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Hyundai Venue, and Buick Envision. Average auto insurance quotes for those vehicles cost $2,276 or less per year ($190 per month) to have full coverage.

Examples of other models that have affordable auto insurance rates in our overall cost comparison are the Buick Encore, Volkswagen Taos, Honda CR-V, and Ford Bronco Sport.

Average rates are slightly more for those models than the cheapest crossovers and small SUVs at the top of the rankings, but they still have an average cost of $2,442 or less per year, or $204 per month.

The following table lists the vehicles with the cheapest overall insurance rates in Newark, ordered by annual cost.

The above table containing 40 vehicle models with cheap Newark car insurance is great if you’re just looking for low rates. Considering the fact that we rate over 700 vehicles, a lot of vehicles get left off the list. Let’s dig a little deeper into the data and reorganize the models with the lowest rates a better way, by vehicle segment.

The next section of this article goes into the average cost of car insurance by vehicle segment. The average rates shown should give a better understanding of which types of vehicles have the best average auto insurance rates. The subsequent sections display the models with the most affordable auto insurance in each unique segment.

Newark auto insurance rates by automotive segment

When shopping for a new or used vehicle, it’s a good idea to have a basic understanding of which types of vehicles have more favorable car insurance rates.

To illustrate this, many people wonder if midsize cars have cheaper insurance than full-size cars or which size of luxury car has the cheapest rates.

The chart below shows the average cost of car insurance rates in Newark for different vehicle segments. As a general rule, compact and midsize SUVs, vans, and midsize pickups tend to have the best rates, while large luxury, performance, and sports cars have the most expensive average cost to insure.

Rates by different vehicle segments can be used for general comparisons, but rates range quite significantly within each vehicle category shown in the chart above.

For example, in the small SUV segment, Newark auto insurance rates range from the Subaru Crosstrek at $2,074 per year for full coverage insurance to the Ford Mustang Mach-E costing $3,282 per year, a difference of $1,208 within that segment.

Also, in the large luxury SUV segment, average rates range from the Infiniti QX80 costing $3,146 per year to the Mercedes-Benz G63 AMG costing $6,032 per year.

In the sections going forward, we eliminate much of the variability by looking at car insurance cost in Newark from a model perspective.

Cheapest cars to insure in Newark

The lowest-cost non-luxury cars to insure in Newark are the Toyota GR Corolla at $2,438 per year, the Nissan Leaf at $2,456 per year, and the Honda Civic at $2,484 per year.

Additional models that have affordable average insurance rates include the Chevrolet Malibu, Toyota Prius, Kia K5, and Honda Accord, with an average car insurance cost of $2,736 per year or less.

On a monthly basis, full-coverage insurance in Newark on this segment for an average middle-age driver can cost as low as $203 per month, depending on your location.

If insurance rates are ranked by vehicle size, the cheapest compact car to insure in Newark is the Toyota GR Corolla at $2,438 per year. For midsize cars, the Kia K5 is the cheapest model to insure at $2,702 per year. And for full-size sedans, the Chrysler 300 is cheapest to insure at $2,670 per year.

The rate comparison table below ranks the twenty cars with the lowest-cost car insurance rates in Newark, starting with the Toyota GR Corolla at $203 per month and ending with the Mazda 3 at $242 per month.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Newark car insurance quotes from top-rated companies in Delaware.

Cheapest SUV insurance rates in Newark

Ranking in the top five for the most affordable Newark car insurance rates in the SUV segment (excluding luxury models) are the Nissan Kicks, Chevrolet Trailblazer, Kia Soul, Honda Passport, and Subaru Crosstrek. Auto insurance quotes for these vehicles average $2,234 or less per year, or around $186 per month.

Also ranking well are SUVs like the Mazda CX-5, Hyundai Venue, Ford Bronco Sport, and Buick Envision, with average cost of $2,298 per year or less.

On a monthly basis, auto insurance rates in Newark on this segment for a good driver can cost as low as $173 per month, depending on your location and insurance company.

The table below ranks the twenty SUVs with the most affordable insurance rates in Newark, starting with the Subaru Crosstrek at $173 per month and ending with the Subaru Ascent at $203 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see rates for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Newark car insurance quotes from the best auto insurance companies in Delaware.

Cheapest luxury cars to insure in Newark

The top five models for the cheapest Newark car insurance rates in the luxury car segment are the BMW 330i, Acura TLX, Acura Integra, Lexus IS 300, and Mercedes-Benz CLA250. Insurance rates for these 2024 models average $2,902 or less per year, or around $242 per month.

Other luxury cars that rank well in our comparison include the Genesis G70, Lexus RC 300, Mercedes-Benz AMG CLA35, and Lexus ES 350, with average rates of $2,950 per year or less.

From a monthly standpoint, auto insurance rates in Newark on this segment for a safe driver will start around $208 per month, depending on the company.

The most affordable compact luxury car to insure in Newark is the Acura Integra at $2,494 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the cheapest rates at $2,886 per year. And for full-size luxury cars, the Audi A5 is the cheapest model to insure at $3,334 per year.

The table below ranks the twenty cars with the most affordable insurance rates in Newark, starting with the Acura Integra at $2,494 per year ($208 per month) and ending with the Audi S3 at $3,146 per year ($262 per month).

See our guide for luxury car insurance to compare rates for all makes and models.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Delaware.

Cheapest luxury SUVs to insure in Newark

Sitting at number one in Newark for cheapest average insurance in the luxury SUV segment is the Acura RDX, costing $2,346 per year. Second place is the Lexus NX 250 at $2,482 per year, third place goes to the Cadillac XT4, at an average of $2,532 per year, and in fourth place is the Jaguar E-Pace, costing an average of $2,624 per year.

Additional models that have cheaper rates include the Mercedes-Benz GLB 250, Lexus NX 350h, Lincoln Corsair, and Lexus NX 450h, with an average car insurance cost of $2,706 per year or less.

Full-coverage auto insurance for this segment in Newark for a safe driver will start around $196 per month, depending on where you live.

If ranked by vehicle size, the lowest-cost compact luxury SUV to insure in Newark is the Acura RDX at $2,346 per year. For midsize luxury models, the Jaguar E-Pace has the cheapest rates at $2,624 per year. And for large luxury SUV models, the Infiniti QX80 has the most affordable rates at $3,146 per year.

The rate comparison table below ranks the twenty luxury SUVs with the lowest-cost insurance in Newark.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see insurance rates for your luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Delaware.

Cheapest pickup trucks to insure in Newark

Ranking in the top five for the most affordable Newark auto insurance rates in the pickup segment are the Nissan Titan, Nissan Frontier, Ford Maverick, Chevrolet Colorado, and Ford Ranger. Auto insurance prices for these 2024 models average $227 or less per month.

Some other pickups that have cheaper rates are the GMC Sierra 2500 HD, Toyota Tacoma, GMC Canyon, and Honda Ridgeline, with average cost of $2,886 per year or less.

As a cost per month, auto insurance rates on this segment in Newark starts at an average of $206 per month, depending on your location and insurance company.

The table below ranks the pickups with the lowest-cost car insurance rates in Newark.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Need rates for a different pickup model? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Delaware.

Cheapest sports car insurance rates in Newark

The top four sports cars with the lowest-cost insurance in Newark are the Mazda MX-5 Miata at $2,594 per year, Toyota GR86 at $2,956 per year, Ford Mustang at $3,086 per year, and BMW Z4 at $3,100 per year.

Not the cheapest, but still very affordable, are models like the Lexus RC F, Nissan Z, Subaru BRZ, and Toyota GR Supra, with average cost of $3,356 per year or less.

From a cost per month standpoint, auto insurance in Newark on this segment for a safe driver will start around $216 per month, depending on your location and insurance company. The table below ranks the twenty sports cars with the lowest-cost insurance rates in Newark, starting with the Mazda MX-5 Miata at $2,594 per year ($216 per month) and ending with the Porsche Taycan at $4,752 per year ($396 per month).

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Newark.

Price variation for driver risk

In an effort to help illustrate the amount that the cost of a car insurance policy can vary from one driver to the next (and also point out the importance of getting plenty of rate quotes), the charts below visualize detailed auto insurance rates for three popular vehicles in Newark: the Chevrolet Silverado, Nissan Sentra, and Kia Sorento.

Each vehicle example uses a range of risk profiles to demonstrate the cost fluctuation with minor changes to the policy rating factors.

Chevrolet Silverado insurance rates

Car insurance for a Chevrolet Silverado in Newark averages $3,104 per year, or around $259 per month, and has a range of $2,572 to $7,206 per year.

The Chevrolet Silverado is part of the full-size truck segment, and additional similar models from the same segment include the GMC Sierra, Nissan Titan, and Ram Truck.

Nissan Sentra insurance rates

Auto insurance for a Nissan Sentra in Newark costs an average of $2,570 per year, or around $214 per month, and ranges from $2,134 to $5,844 per year for the sample risk profiles displayed in the cost chart below.

The Nissan Sentra is classified as a compact car, and other popular models in the same segment include the Volkswagen Jetta, Chevrolet Cruze, and Honda Civic.

Kia Sorento insurance rates

Car insurance for a Kia Sorento in Newark averages $2,664 per year, or around $222 per month, and has a range of $2,216 to $6,118 per year for the driver profiles in the chart.

The Kia Sorento is considered a midsize SUV, and other popular models include the Jeep Grand Cherokee, Kia Telluride, Ford Edge, and Toyota Highlander.

Tips for saving money on Newark car insurance

Drivers should always be thinking of ways to reduce the monthly expense for auto insurance, so take a minute to review the tips in this next list and it’s very likely you can save a few bucks on your next policy purchase.

• Buy vehicles that are cheaper to insure. Vehicle type has a big impact on the price you pay for insurance. As an example, a Volvo XC40 costs $824 less per year to insure in Newark than a Chevrolet Camaro. Lower performance vehicles cost less to insure.
• Better credit scores yield better car insurance rates. Having a good credit rating over 800 could save up to $440 per year when compared to a credit score between 670-739. Conversely, a credit score below 579 could cost around $510 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Compare rates before you buy the car. Different vehicle models have significantly different auto insurance rates, and companies can sell policies with a wide range of costs. Get multiple insurance quotes before you purchase in order to avoid price shock when you get the bill.
• Shop around for a better deal. Setting aside a few minutes before every renewal to get a few free car insurance quotes can significantly reduce your monthly cost. Rates are always changing and switching companies is very easy to do.
• Citations and violations increase rates. If you want to get affordable car insurance in Newark, it’s necessary to drive conservatively. As few as two minor traffic citations have the potential to increase insurance cost by up to $752 per year.
• Reduce coverage on older cars. Deleting physical damage coverage from vehicles that are older will cut the cost of car insurance substantially.
• Qualify for discounts to lower insurance cost. Savings may be available if the insureds are loyal customers, are claim-free, insure multiple vehicles on the same policy, insure their home and car with the same company, or many other discounts which could save the average Newark driver as much as $470 per year.