Newark Car Insurance Cost – Cheapest Rates + NJ Rankings

• Average car insurance cost in Newark is $3,228 per year, or $269 per month for full coverage.
• Newark auto insurance costs an average of $384 per year more than the New Jersey state average rate ($2,844) and $1,007 per year more than the average rate for all 50 states ($2,221).
• Compact SUVs like the Chevrolet Trailblazer, Kia Soul, and Subaru Crosstrek are the top picks for cheap car insurance in Newark.
• Models with the lowest cost auto insurance in Newark for their respective segments include the Chevrolet Tahoe at $3,028 per year, Acura Integra at $2,868 per year, Honda Passport at $2,572 per year, and Chevrolet Colorado at $2,842 per year.

How much is car insurance in Newark?

The average car insurance cost in Newark is $3,228 per year, which is 37% more than the U.S. average rate of $2,221. Average car insurance cost per month in Newark is $269 for a policy with full coverage.

In the state of New Jersey, the average car insurance expense is $2,844 per year, so the cost in Newark averages $384 more per year. The cost of auto insurance in Newark compared to other New Jersey cities is approximately $394 per year more expensive than in Jersey City, $122 per year more expensive than in Elizabeth, and $546 per year more expensive than in Trenton.

The chart below summarizes average auto insurance cost in Newark broken out based on a variety of driver ages, physical damage coverage deductibles, and driver risk profiles. Rates are averaged for all 2024 vehicle models including luxury and performance vehicles.

The average cost of car insurance per month in Newark is $269, with prices ranging from $223 to $618 for drivers age 20 to 60 with the assigned risk profiles in the chart above.

Car insurance rates have different premiums for every driver and are impacted by a lot of factors. This variability increases the need for accurate auto insurance quotes when looking for more affordable coverage.

Driver age is one of the biggest determining factors on the price of auto insurance, so the list below illustrates this by showing the difference in average car insurance rates in Newark for young, middle-age, and senior drivers.

Car insurance cost in Newark for drivers age 16 to 60

• 16-year-old driver – $11,492 per year or $958 per month
• 17-year-old driver – $11,131 per year or $928 per month
• 18-year-old driver – $9,977 per year or $831 per month
• 19-year-old driver – $9,086 per year or $757 per month
• 20-year-old driver – $6,494 per year or $541 per month
• 30-year-old driver – $3,444 per year or $287 per month
• 40-year-old driver – $3,228 per year or $269 per month
• 50-year-old driver – $2,862 per year or $239 per month
• 60-year-old driver – $2,678 per year or $223 per month

The rates in the list above for the average cost to insure teen drivers were based on the rated driver being male. The next chart gets more specific and illustrates average car insurance rates for teen drivers by gender. Females generally have cheaper auto insurance rates, especially as teenagers.

Car insurance for a 16-year-old female driver in Newark costs an average of $756 less per year than the cost for a 16-year-old male driver, while at age 19, females don’t save quite as much at $1,402 per year.

The vehicles that are popular in Newark tend to be small or midsize cars like the Nissan Sentra and Toyota Camry and compact and midsize SUVs like the Nissan Rogue and Toyota Highlander.

Additional popular vehicles from other segments include luxury SUVs like the Cadillac XT5 and Lexus RX 350, luxury cars like the Tesla Model S and Infiniti Q50, and pickup trucks like the Ram 1500 and Toyota Tacoma.

We get into rates in much more detail coming up in the article, but before we get into that data, let’s revisit some of the ideas that were presented in the data up to this point.

• Insuring teens gets very expensive – The average cost ranges from $7,684 to $11,492 per year for insurance on a teen driver in Newark.
• Teen females pay lower rates than teen males – Female drivers age 16 to 19 pay $1,402 to $756 less each year than their male counterparts.
• Monthly car insurance cost ranges from $223 to $958 – That is the average car insurance price range for drivers age 16 to 60 in Newark.
• Newark car insurance cost is more than the U.S. average – $3,228 (Newark average) compared to $2,221 (U.S. average)
• Car insurance rates drop significantly in your twenties – The average 30-year-old Newark driver will pay $3,050 less each year than a 20-year-old driver, $3,444 compared to $6,494.
• A low deductible policy costs more – A 40-year-old driver pays an average of $1,046 more per year for $250 physical damage deductibles versus $1,000.
• Car insurance cost decreases as you age – Rates for a 50-year-old driver in Newark are $3,632 per year cheaper than for a 20-year-old driver.

What vehicles have the cheapest car insurance in Newark?

When comparing makes and models from all segments, the vehicles with the cheapest auto insurance rates in Newark tend to be crossovers and small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Toyota Corolla Cross. Average auto insurance prices for those crossover SUVs cost $2,806 or less per year for full coverage car insurance.

Some other models that rank towards the top in our car insurance cost comparison are the Volkswagen Taos, Volkswagen Tiguan, Acura RDX, and Buick Encore. Insurance is slightly more for those models than the cheapest crossovers and compact SUVs that rank at the top, but they still have an average insurance cost of $3,007 or less per year in Newark.

The table below ranks the 20 cars, trucks, and SUVs with the cheapest insurance rates in Newark, ordered by cost.

A table showing 20 of the cheapest vehicles to insure in Newark is not really the best way to show the full picture of Newark insurance rates. Considering the fact that we rate over 700 vehicles, the majority of models get omitted from the list. Let’s try a different approach and show the models with the cheapest rates in Newark in a format that makes more sense, by segment.

This next article section goes into the cost of insurance based on different automotive segments. The average rates shown in the chart will give you a better understanding of the types of vehicles that have the overall most affordable average auto insurance rates. Then the six sections following the chart break out the cheapest insurance rates for individual models in the most popular segments.

Newark auto insurance rates by vehicle segment

When shopping for a different vehicle, it’s useful to have a basic understanding of which styles of vehicles have more affordable insurance rates.

For instance, maybe you’re wondering if minivans are more affordable to insure than SUVs or which size of SUV has costs less to insure.

The next chart shows average car insurance rates in Newark for different vehicle segments. In general, compact SUVs, midsize trucks, and minivans tend to have the cheapest rates, with high-performance exotic models having the most expensive rates.

Average insurance rates by segment are sufficient for getting a ballpark comparison, but cost ranges substantially within each vehicle segment displayed above.

For example, in the small luxury car segment, average Newark auto insurance rates range from the Acura Integra at $2,868 per year for full coverage insurance up to the BMW M340i costing $3,940 per year.

In the sports car segment, rates range from the Mazda MX-5 Miata costing $2,984 per year up to the Mercedes-Benz SL 63 costing $6,630 per year.

In these next sections, we reduce this variability by looking at car insurance cost in Newark from a model perspective.

Cheapest cars to insure in Newark

The four most affordable sedans and hatchbacks to insure in Newark are the Toyota GR Corolla at $2,802 per year, Nissan Leaf at $2,824 per year, Honda Civic at $2,858 per year, and Nissan Sentra at $2,958 per year.

Other models that have good average insurance rates include the Toyota Prius, Toyota Corolla, Kia K5, and Honda Accord, with average insurance cost of $3,142 per year or less.

Ranking between positions 10 and 20, cars like the Volkswagen Jetta, Toyota Crown, Kia Forte, Hyundai Ioniq 6, and Subaru Legacy average between $3,142 and $3,336 per year for insurance.

On a monthly basis, car insurance in Newark on this segment can cost as low as $234 per month, depending on the company and your location.

When vehicle size is factored in, the lowest-cost non-luxury compact car to insure in Newark is the Toyota GR Corolla at $2,802 per year. For midsize models, the Kia K5 is cheapest to insure at $3,108 per year. And for full-size sedans, the Chrysler 300 is the cheapest model to insure at $3,074 per year.

The comparison table below ranks the cars with the most affordable average insurance rates in Newark, starting with the Toyota GR Corolla at $2,802 per year ($234 per month) and ending with the Mazda 3 at $3,336 per year ($278 per month).

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Don’t see your vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Newark car insurance quotes from the best companies in New Jersey.

Cheapest SUV insurance rates in Newark

The three top-ranked SUVs with the lowest-cost auto insurance rates in Newark are the Subaru Crosstrek at $2,382 per year, the Chevrolet Trailblazer at $2,426 per year, and the Kia Soul at $2,518 per year.

Other SUVs that have cheaper rates are the Toyota Corolla Cross, Hyundai Venue, Mazda CX-5, and Buick Envision, with average insurance cost of $2,642 per year or less.

Full-coverage auto insurance for this segment in Newark for a middle-age safe driver will start around $199 per month, depending on the company and your location.

The lowest-cost non-luxury compact SUV to insure in Newark is the Subaru Crosstrek at $2,382 per year. For midsize models, the Honda Passport has the best rates at $2,572 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the most affordable rates at $3,028 per year.

The next table ranks the twenty SUVs with the lowest-cost car insurance in Newark, starting with the Subaru Crosstrek at $2,382 per year and ending with the Subaru Ascent at $2,808 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Is your SUV missing from the table above? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Newark car insurance quotes from top-rated companies in New Jersey.

Cheapest luxury car insurance rates in Newark

The top five models for the lowest-cost Newark auto insurance rates in the luxury car segment are the BMW 330i, Lexus IS 300, Acura Integra, Acura TLX, and Mercedes-Benz CLA250. Car insurance rates for these vehicles average $3,338 or less per year.

Also ranking well are models like the Lexus ES 350, Lexus RC 300, Mercedes-Benz AMG CLA35, and Genesis G70, with average insurance cost of $3,390 per year or less.

Full-coverage insurance for this segment in Newark can cost as low as $239 per month, depending on where you live and the company you use. The table below ranks the twenty luxury cars with the most affordable average insurance rates in Newark.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see your luxury car in the list? 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 auto insurance companies in New Jersey.

Cheapest luxury SUV insurance rates in Newark

Ranked at #1 in Newark for cheapest insurance in the luxury SUV segment is the Acura RDX, coming in at $2,696 per year. Second place is the Lexus NX 250 at $2,854 per year, and the third cheapest is the Cadillac XT4, costing an average of $2,912 per year.

Not the cheapest to insure, but still ranked well, are SUVs like the Lexus NX 350h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus UX 250h, with average annual insurance rates of $3,110 per year or less.

Car insurance rates in Newark for this segment starts at an average of $225 per month, depending on the company.

If rates are ranked by vehicle size, the most affordable small luxury SUV to insure in Newark is the Acura RDX at $2,696 per year, or $225 per month. For midsize 2024 models, the Jaguar E-Pace has the best rates at $3,016 per year, or $251 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest car insurance rates at $3,618 per year, or $302 per month.

The comparison table below ranks the twenty SUVs with the cheapest car insurance rates in Newark, starting with the Acura RDX at $2,696 per year ($225 per month) and ending with the Lexus RX 350 at $3,238 per year ($270 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Is your luxury SUV missing from the table above? 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 top-rated companies in New Jersey.

Cheapest sports cars to insure in Newark

Ranking at the top of the list for the cheapest Newark auto insurance rates in the performance and sports car segment are the Subaru WRX, BMW Z4, Ford Mustang, Mazda MX-5 Miata, and Toyota GR86. Auto insurance prices for these 2024 models average $3,616 or less per year, or around $301 per month.

Also ranking well are models like the Subaru BRZ, Toyota GR Supra, Nissan Z, and BMW M2, with average annual insurance rates of $3,858 per year or less.

Additional cars on the list include the BMW M3, Mercedes-Benz AMG GT53, BMW M4, and Chevrolet Corvette, which cost between $3,858 and $5,464 per year to insure in Newark.

Car insurance rates in this segment for the average driver will start around $249 per month, depending on the company. The table below ranks the twenty sports cars with the cheapest car insurance in Newark, starting with the Mazda MX-5 Miata at $2,984 per year ($249 per month) and ending with the Porsche Taycan at $5,464 per year ($455 per month).

Don’t see your sports car? Not a problem! 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 Newark.

Cheapest pickup truck insurance rates in Newark

Ranking in the top five for the most affordable Newark auto insurance rates in the pickup segment are the Nissan Frontier, Chevrolet Colorado, Ford Ranger, Nissan Titan, and Ford Maverick. Car insurance quotes for these vehicles average $3,130 or less per year, or around $261 per month.

Some other pickups that have affordable insurance rates are the GMC Canyon, Hyundai Santa Cruz, GMC Sierra 2500 HD, and Honda Ridgeline, with an average cost of $3,318 per year or less.

Car insurance in this segment for a good driver can cost as low as $237 per month, depending on your location and insurance company. The rate comparison table below ranks the twenty pickups with the cheapest car insurance rates in Newark, starting with the Chevrolet Colorado at $2,842 per year ($237 per month) and ending with the Ram Truck at $3,732 per year ($311 per month).

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup in the list? 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 auto insurance companies in New Jersey.

Car insurance cost examples

In order to reinforce the amount car insurance rates can fluctuate from one driver to the next (and also emphasize the importance of multiple price quotes), the charts below present a wide range of car insurance rates for four popular models in Newark: the Ram Truck, Nissan Rogue, Toyota Highlander, and Honda Accord.

The example for each vehicle displays average rates for different profiles to demonstrate how rates can be very different when changes are made to the driver rated on the policy.

Ram Truck insurance rates

The average rate paid for Ram Truck insurance in Newark is $3,732 per year. Costing from $43,270 to $109,435, average insurance quotes for a Ram Truck range from $3,298 per year on the 1500 Tradesman Crew Cab 4WD model up to $4,084 per year for the 1500 TRX Final Edition 4WD.

The next chart shows how the cost to insure a Ram Truck can be very different based on variances in driver ages, physical damage coverage deductibles, and driver risk profiles.

For our sample risk profiles, rates range from $3,094 to $8,594 per year, which is a difference of $5,500 per year to insure the same vehicle.

The Ram Truck is classified as a full-size truck, and other similar models from the same segment include the GMC Sierra, Chevrolet Silverado, Toyota Tundra, and Nissan Titan.

Nissan Rogue insurance rates

With MSRP ranging from $29,360 to $39,230, average Newark car insurance quotes for a 2024 Nissan Rogue range from $2,746 per year for the Rogue S 2WD model up to $3,038 per year on the Rogue Platinum AWD.

When Newark auto insurance rates for a Nissan Rogue are compared to the national average cost for the same vehicle, rates are $750 to $832 more per year in Newark, depending on the exact trim being insured.

The next rate chart helps to visualize how insurance quotes for a Nissan Rogue can be significantly different based on various driver ages, physical damage deductibles, and driver risk profiles.

The Nissan Rogue is a compact SUV, and additional similar models from the same segment include the Ford Escape, Toyota RAV4, and Honda CR-V.

Toyota Highlander insurance rates

Toyota Highlander insurance in Newark costs an average of $2,936 per year, ranging from $2,698 per year for the Highlander LE 2WD trim up to $3,188 per year for the Highlander Hybrid XLE AWD.

When Newark insurance rates on the Toyota Highlander are compared with the overall national average cost for the same model, the cost is $740 to $872 more expensive per year in Newark, depending on the trim being insured.

As a cost per month, auto insurance quotes on a Toyota Highlander can cost from $225 to $266 per month, depending on policy limits and your exact location in Newark.

The next rate chart shows how insurance quotes on a Toyota Highlander can range considerably based on different driver ages and risk profiles.

The Toyota Highlander is part of the midsize SUV segment, and other top-selling models from the same segment include the Kia Telluride, Honda Pilot, Ford Explorer, and Kia Sorento.

Honda Accord insurance rates

Average Honda Accord insurance cost in Newark ranges from $3,004 up to $3,198 per year. The least-expensive model to insure is the $34,190 Accord EX-L Hybrid model, while the model with the most expensive insurance rates is the $27,895 Accord LX trim.

From a cost per month standpoint, car insurance quotes for the Honda Accord for a safe driver can range from $250 to $267 per month, depending on your Newark Zip Code.

The rate chart below can help visualize how car insurance quotes on a Honda Accord can be quite different based on a variety of driver ages, policy deductibles, and driver risk scenarios.

The Honda Accord is part of the midsize car segment, and other models in the same segment include the Hyundai Sonata, Nissan Altima, Kia K5, and Chevrolet Malibu.

Tips for cheaper Newark auto insurance rates

Newark drivers should always be thinking of ways to pay less for insurance, so take a minute and read through the money-saving ideas below and maybe you can save some money insuring your vehicle.

• Don’t be a negligent driver. Having a few at-fault accidents can really raise rates, potentially up to $1,558 per year for a 30-year-old driver and even as much as $974 per year for a 50-year-old driver. So be a cautious driver and save.
• Good credit scores mean better rates. Maintaining a high credit score could save a minimum of $507 per year versus a rating of 670-739. Conversely, a below average credit score could cost up to $587 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Compare insurance cost before you buy the car. Different cars, trucks, and SUVs can have significantly different car insurance rates, and car insurance companies can sell coverages with widely varying rates. Get quotes before you purchase to prevent insurance sticker shock when buying insurance.
• Auto insurance is cheaper with higher deductibles. Raising deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Pay small claims out-of-pocket. Car insurance companies give a discounted rate if you have not filed any claims. Auto insurance is intended to be used in the case of larger claims, not minor claims.
• Remove unneeded coverage on older vehicles. Removing comprehensive and collision coverage from older vehicles that are not worth a lot will cheapen the cost to insure substantially.