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How Much Does Car Insurance Cost in Newark, NJ?

Newark is the largest city in New Jersey with proximity to major transportation networks such as Newark Liberty International. As a larger city, how much can drivers expect to pay for auto coverage?

• On average drivers can expect to pay $177 a month or $2,124 a year for state minimum liability coverage and $416 a month or $4,991 a year for a full coverage auto policy in Newark, NJ.

Drivers in Newark can compare multiple cheap car insurance coverage options with free insurance quotes & rates from local providers. We will break down the average auto insurance policy costs for the city throughout this guide:

• _{InsuranceQuotes cost rates are pulled from our real-time auto insurance cost database for multiple drivers and quotes in your city – it is based on a used car driver who is single, middle aged, has a clean NJ driving record and no prior violations. – Read on to learn about the cheapest local rates other are paying filtered by insurance providers, new cars, different vehicle types and age.}

Cheapest Car Insurance Providers in Newark

• In Newark, NJ the cheapest auto insurance providers on average are New Jersey Manufacturers (NJM) and GEICO.
• State minimum liability car insurance starts at $81 a month or $971 a year.
• Full coverage car insurance would cost around $212 a month or $4,991 a year.

Here is a breakdown of average costs from the cheapest local insurance providers near you from our data set of used-car drivers who are single, middle aged and have a clean driving record:

Does Vehicle Type Affect Coverage Costs?

The type of vehicle you drive in New Jersey will affect the overall costs of car insurance.

To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in NJ and pulled data for vehicles such as a Toyota Camry, Chevrolet Bolt, BMW 4 Series, Honda CRV and Nissan Titan.

We pulled data from New Jersey insurance policy cost records across multiple providers. Our table displays the average costs associated with vehicle types for state minimum vs. full coverage policies of a driver who is single, middle aged, has a clean driving record, for a used vehicle:

How Much is Insurance for a New Car in NJ?

Newer vehicles are often more expensive to insure since they cost more to repair and have higher rates of theft. However, coverage is sometimes cheaper than older models of the same vehicle because of enhanced security features on newer models.

We pulled insurance cost rates data for new 2022-2023 vehicles to give you an idea of the difference in coverage price for newer cars vs. used vehicles:

Auto Insurance Rates by Age

In New Jersey, age is a significant factor that influences your auto rates. Generally, younger drivers tend to face higher annual premiums compared to older, more experienced drivers.

Statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road.

* Full Coverage Average Costs:

• 17 – 25 years: $6,747 yearly – $562 monthly
• 25 – 54 years: $3,290 yearly – $274 monthly
• 55+ years: $3,357 yearly – $280 monthly

* State Minimum Liability Average Costs:

• 17 – 25 years: $2,610 yearly – $218 monthly
• 25 – 54 years: $1,379 yearly – $115 monthly
• 55+ years: $1,435 yearly – $120 monthly

Here is a breakdown of the average costs for car insurance based on age in New Jersey:

How Much Car Insurance Do I Need?

New Jersey car insurance regulations require drivers to have certain minimum coverage in order to legally operate a vehicle on the state’s roads. Here are the key car insurance requirements in New Jersey to decide how much car insurance you need:

1. Liability Insurance: New Jersey requires drivers to have liability insurance, which includes both bodily injury and property damage coverage. The minimum liability limits are typically represented as 15/30/5, which means:
   • $15,000 bodily injury liability coverage per person
   • $30,000 bodily injury liability coverage per accident
   • $5,000 property damage liability coverage per accident
2. Personal Injury Protection (PIP): New Jersey follows a no-fault insurance system, so drivers are required to carry Personal Injury Protection (PIP) coverage. PIP helps cover medical expenses, lost wages, and other costs related to injuries sustained in a car accident, regardless of who is at fault.
3. Uninsured/Underinsured Motorist Coverage: While not mandatory, New Jersey car insurance policies must offer uninsured/underinsured motorist coverage. This coverage helps protect you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to fully compensate you for damages.

These are the minimum coverage requirements in New Jersey. However, it’s important to note that these minimums might not provide sufficient coverage to fully protect you in more serious accidents. Many drivers opt for higher coverage limits and additional optional coverages like comprehensive and collision coverage to provide broader protection.

The New Jersey Motor Vehicle Commission (MVC) regulates these requirements. The MVC can offer advice when it comes to reducing your insurance costs. Some advice includes the following:

• Check for available discounts.
• Consider choosing higher deductibles.
• Consider choosing a limited right-to-sue clause.
• If you’re a student, maintain good grades for a potential student discount.