Best Newark, NJ Auto Insurance in 2025 (Compare the Top 10 Companies)

State Farm, Geico, and Progressive are the best Newark, NJ auto insurance companies that provide excellent service, starting at $80 monthly. State Farm leads as it the largest auto insurer with a 16% market share and offers diverse discounts.

Geico offers 24/7 prompt claims response and affordable pricing of $90 a month, and Progressive provides a large network of repair shops to ensure the quality of repairs in customers’ claims. Read this article to discover more of these insurers that prioritize your needs and satisfactions.

Our Top 10 Company Picks: Best Newark, NJ Auto Insurance

If you are currently looking for auto insurance or plan to purchase it in the future, this is the guide for you.

You can even get quick online auto insurance quotes in Newark through our free online tool to jumpstart your auto insurance hunting.

#1 – State Farm: Top Overall Pick

Pros

• Largest Auto Insurer: State Farm holds 16% of the market share, proving its trustworthiness and making it the largest insurer in the U.S.
• Strong Financial Rating: It is rated with an A++ from AM Best for its financial stability. Check the State Farm auto insurance review for proof of reliable claims.
• Vast Discount Opportunity: Up to 30% in savings are available with the Drive Safe and Save program and 17% with the bundling option.

Cons

• No Gap Insurance: Unlike Liberty Mutual or Nationwide, it does not provide insurance for financed or leased cars.
• Agent-Centric Model: Focused on working with in-person agents for policy management that is inconvenient for those who like online services.

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#2 – Geico: Best for Affordable Rates

Pros

• Affordable Pricing: Geico is one of the cheapest insurers in Newark, New Jersey, starting at $90 a month.
• Round-the-Clock Customer Support: Geico offers 24/7 customer service for claims assistance. Learn more about the convenient processing steps in the Geico auto insurance review.
• Various Discounts: Provide many discount options, such as a 25% bundling discount for federal employees, the military, and others.

Cons

• Repair Shop Limitations: Unlike Nationwide, it does not have extensive affiliated repair shops to ensure quality service.
• Less Personalized Service: With limited agents, policyholders get less flexible options for their policy customization.

#3 – Progressive: Best for Comprehensive Coverage

Pros

• Extensive Coverage and Add-Ons: Plans include rideshare, gap, and custom parts and equipment coverage. Check all the add-ons you can use in the Progressive auto insurance review.
• Large Repair Networks: Progressive has thousands of pre-approved repair shops nationwide for fast claims and repairs.
• Name Your Price Tool: This tool intends to help customers get coverage that fits their needs and budget.

Cons

• Snapshot Risks: When driving behaviors are tracked and considered risky, premiums will increase instead of savings.
• Customer Complaints: There are reported inconsistencies in claims handling and reimbursement delays.

#4 – Allstate: Best for Safe-Driver Discounts

Pros

• Extra Safe Driver Savings: Drivewise lets drivers save up to 40% and earn a bonus cashback every six months. Read more about the Drivewise policy in the Allstate auto insurance review.
• Accident Forgiveness: A feature that prevents premiums increase in the driver’s first accident.
• Extensive Local Network of Agents: Multiple Newark-based in-person agents assist with auto insurance-related concerns, such as claims.

Cons

• Drivewise Rate Risks: Drivers who practice risky driving behaviors lead to an increase in monthly premiums rather than a decrease.
• Higher Base Rates: Compared to Geico, Allstate insurance in Newark has a $98 base rate, which is higher for budget-conscious drivers.

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#5 – Travelers: Best for Extensive Discount

Pros

• Extensive Savings Choices: 30% off through IntelliDrive, 13% for bundling policy, 10% for electric vehicles, 10% for early quotes, and more. More of these are in the Travelers insurance review.
• Good Coverage Personalization: Policyholders can customize their plans and get add-ons like accident forgiveness and rideshare that are tailored to their needs.
• Flexible Deductible Amount: Drivers can customize their deductibles for comprehensive and collision coverage, giving them total control over their premium rates.

Cons

• Limited Local Assistance: With fewer in-person agents, Travelers cannot cater to every need of drivers who prefer to settle things with agents.
• Telematics Program Can Backfire: IntelliDrive detects driving habits that could raise premiums when risky behaviors are tracked.

#6 – Nationwide: Best for Repair Network

Pros

• Blue Ribbon Repair Network: If you own a car, you can enjoy a lifetime guarantee on high-quality vehicle repairs, ensuring convenience and fast service.
• Vanishing Deductibles: Your safe driving behaviors pay off with reduced deductibles of up to $500 annually.
• Several Savings Options: Save monthly through bundling, defensive driving, accident-free driving, and good student discounts. The Nationwide insurance review has more of the available discounts.

Cons

• Higher Premiums: High-risk drivers can face more expensive premiums than other drivers.
• Limited Local Agents Than Competitors: While Nationwide offers online service, its in-person assistance is not as fast and strong as that of other insurers.

#7 – Liberty Mutual: Best for Flexible Policy

Pros

• Flexible Coverage: Drivers can choose from several add-ons like gap, roadside assistance, and rental car reimbursement.
• Usage-Based Discount: Liberty Mutual offers a RightTrack program that rewards discounts for safe driving habits. Read more about this in the Liberty Mutual insurance review.
• New Car Replacement: Liberty Mutual replaces a car of the same brand-new model when it is totaled within the first year under 15,000 miles.

Cons

• RightTrack Risk: When risky behaviors are tracked, it could raise the premium and disqualify the discount.
• Claim Delays: Some customers experience delays in claims and bad service.

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#8 – Farmers: Best for Roadside Assistance

Pros

• Comprehensive Roadside Assistance: This program includes emergency services like jump-starts, towing, and lockout assistance. Check every detail in the Farmers insurance review.
• Local Agent Network: It has established a strong network of agents in Newark for personalized consultations.
• User-Friendly Tool: Farmers have a mobile app that allows them to easily file claims, pay bills, and manage policies with just a few clicks.

Cons

• Limited Free Towing Distance: Free towing only applies to a specific mileage; an extra payment is required for long distances.
• Reimbursement Process Issue: The reimbursement processing time is longer if you pay for a service out of your own pocket.

#9 – NJM: Best for Regional Focus

Pros

• Regional Focus: With services focused on New Jersey, it is best for the local insurance landscape, allowing customers to personalize their insurance.
• Outstanding Customer Service: NJM is known for its high marks for customer satisfaction and fewer complaints. Check the NJM insurance review to see what makes customers satisfied.
• Several Discount Opportunities: To lower premiums, it offers multiple vehicles, bundling, paying in full, good driving discounts, and many more.

Cons

• Less Advanced App: It is only designed to track driving habits and does not possess features for policy management.
• Restricted Regional Availability: It focuses on New Jersey and the other four states, limiting its service to different areas.

#10 – Amica: Best for Customer Satisfaction

Pros

• Wide Coverage Options: Amica offers auto insurance policies ranging from standard plans, medical, and uninsured/underinsured to several add-ons like gap and roadside assistance.
• Dividend Policy: Dividend policies return a portion of the premium when specific rules are met. Check the Amica auto insurance review to learn more.
• Award-Winning Claims: Customers receive transparency and reliability in every claim, and customer service is proven by AM Best A+ ratings.

Cons

• Expensive Premiums: Amica’s premium rates in auto insurance are higher than the national average.
• Availability Issue: Amica’s auto insurance service is not offered in Hawaii.

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Best Newark, NJ Auto Insurance Monthly Rates

You usually check the monthly cost to get the best auto insurance rates in NJ. Going with the most affordable car insurance in NJ is often easy, as you can sustain it on monthly payments. So we list here the rates of the top providers in Newark, New Jersey, so you can still ensure quality service.

Auto Insurance Monthly Rates in Newark, NJ by Provider & Coverage Level

Among the best car insurance in New Jersey, NJM insurance stood out with the cheapest monthly rates on minimum and full coverage, costing $80 and $195, respectively.

Top Providers and Discounts for the Best Newark, NJ Auto Insurance

The monthly premiums are sometimes just out of our budget; when this happens, we look for ways to lower them. On this feat, 135 Drive New Jersey Insurance companies are on your side, simultaneously giving you quality and affordability. We listed below valuable options for you to afford and save on our premiums.

Auto Insurance Discounts From the Top Providers in Newark, NJ

The good news is that there are many options you can use to lessen your monthly bill. Bundling your policy with other insurance like home, renters, life, or health is the most common, but you can also take advantage of discounts like pay-in-full, safe driving, good student, new car, and paperless billing.

Best Car Insurance in Newark, NJ

According to some statistics, average monthly rates in New Jersey can climb as high as $159 per month; however, Newark motorists can now take advantage of rates as low as $108/mo or lower! Many discounts are available for drivers like you.

State Farm leads the insurance companies in Newark, New Jersey, providing auto insurance with diverse discounts to lower monthly premiums. Not just that, it is considered the largest insurer in the U.S., with a 16% market share.

The city of Newark has done a lot to clean up its image in the decades following the 1967 race riots. Thankfully, much of the effort has paid off; the local economy is surging, especially in insurance, finance, and education. Newark has also won awards in recent years for being an “All-American City” and one of the “most livable cities” in the United States.

Fun fact: get ready to sign that lease because Newark is #2 on the list of “Top 100 cities with the highest percentage of renters (pop.50,000+)”.

Are you in need of cheap auto insurance in Newark, NJ? At AutoInsuranceEZ.com, you will find the best insurance premiums near you. To find free Newark, NJ auto insurance coverage quotes from the best providers today, type in your local ZIP code into the quote box on this site.

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Cheapest Car Insurers in Newark

While various companies offer competitive rates, like Gary’s Auto Insurance, Newark, New Jersey, Mercury, and Allstate currently offer fairly affordable rates. For the most part, these companies are fairly reputable. However, not all New Jersey auto insurance providers have what you need and also offer low rates. Therefore, it’s important to look into these Newark, NJ auto insurance companies before you make a final purchase.

When determining quotes, auto insurance providers consider many elements, such as driving experience, ZIP code, type of vehicle owned, years of driving experience, and multiple cars and drivers. Here’s a comprehensive video on how to save hundreds on auto insurance.

Also, keep in mind that premiums differ from company to company. To find out if you are still getting the most affordable price, check the web for the cheapest car insurance in Newark, NJ.

Auto Insurance Minimum Coverage Requirements in New Jersey

Like many states, New Jersey drivers must purchase Liability coverage – this means that should you be at fault in an accident, your insurance company will pay for any damages up to the amount of coverage you purchased. But if the accident is caused by someone else who doesn’t have insurance or was the result of a hit-and-run, the required Uninsured Motorist coverage will help pay for some of the damages.

Auto Insurance Minimum Coverage Requirements in New Jersey

New Jersey auto insurance lists its minimum car insurance requirement as 15/30/5. Drivers searching for cheap car insurance in Newark, NJ will be able to find affordable rates.

In order to drive around Newark, NJ, you must purchase the minimum coverage. But remember, it does not guarantee the entire risk of running into an accident. So verify what is covered in the policy or get the full coverage.

Major Driving Factors of the Best Newark, NJ Auto Insurance

There is a range of factors that affect your car insurance premiums. Even though many specific issues aren’t something you can do something about, some of them are things you can change for the better. Here is the list of what drives up car insurance premiums.

Your ZIP Code

The best car insurance rates in NJ may differ according to where you call home. Generally, large areas feature higher rates since the additional number of drivers on the road boosts the likelihood of an accident! The total population of Newark is 278,427, and the typical family earnings are $32,973.

Auto Insurance Monthly Rates in Newark, NJ by ZIP Code

A good credit score shapes your insurance rates to be less and cheaper. Consequently, insurance costs are much higher with bad credit or high-risk drivers. In the table, Geico still offers a considerable amount to drivers with bad credit at $190 monthly.

Automotive Accidents

As you can see in the chart below, the accident statistics for New Jersey are fairly high. Unfortunately, this usually means that insurance providers in your area automatically raise rates. Talk to your agent today, and ask about safe driver discounts that you might qualify for.

Fatal Accidents in Newark, NJ

It reports 56 individuals involved in fatal crashes, 40 fatal crash vehicles, and 28 total fatalities. Notably, there were 10 fatal pedestrian accidents and 5 DUI-related fatal crashes, emphasizing the significant impact of impaired driving.

Auto Thefts in Newark

Dwelling in a large city, especially any with a high crime rate, increases your chance of becoming a victim of auto theft. In cases where your regular locality features higher rates of claims for theft, you are likely to spend more for car insurance to be able to balance out these costs.

Auto Thefts in Newark, NJ

The table shows the numbers that are surprisingly high, considering it’s a theft incident. Kia is the most stolen vehicle, with 1,255 cases. This means that it would be a good idea to carry comprehensive coverage on your policy, just in case you have to make an auto theft claim.

Read more: Cities that have high rates of auto theft

Your Credit Score

Unfortunately, many insurance agencies these days use your credit score to determine how much to charge you for premiums. Automotive insurance is no exception. The better your credit score is, the less you have to worry. But if you have poor credit, you could pay twice or even three times as much as someone with a higher credit score.

Auto Insurance Monthly Rates in Newark, NJ by Credit Score

Geico offers the lowest rate for good credit, $100, while Liberty Mutual has the highest rate for bad credit, $220. Insurance premiums increase as credit scores worsen, showing a direct relationship between premiums and credit scores.

Your Age

Are you trying to get auto insurance for a teenage driver? The bad news is that it will be expensive since young drivers lack experience behind the wheel and will likely get into an accident. However, there are ways to relieve this burden.

Auto Insurance Monthly Rates in Newark, NJ by Provider, Age, & Gender

the best car insurance in NJ for young drivers, whether for males or females, is expensive, ranging from $300 to $350 a month. However, for 34-year-old males and females, the amount is almost half as cheap. There are good student and driver’s education discounts available. If you are a parent, you can bundle your child’s policy with yours to get even more savings.

Your Incident History

Having several violations on your record or having serious violations such as drunk driving will significantly raise your monthly rate. Depending on the company, you may be ineligible to get covered. But if you only have one or two minor citations in the last few years, look into your provider’s accident forgiveness policy. Your provider will basically ignore a minor violation when calculating your premiums if you qualify.

Auto Insurance Monthly Rates in Newark , NJ by Driving Record

NJM Insurance Group offers the lowest rate for a clean record at $100, while Liberty Mutual has the highest rate for a DUI at $230. Generally, insurance rates increase with driving infractions, with DUI offenses leading to the highest premiums across all companies.

Read more: 15 Worst U.S. Counties for Drunk Driving (2025 Report)

Your Vehicle

Luxury vehicles are expensive to insure for many reasons. Not only are they expensive to repair in general, but would you risk carrying liability coverage only on a car that costs six figures? It’s highly unlikely. The more coverage you have to buy, the more your monthly premiums will cost.

Auto Insurance Monthly Rates in Newark, NJ by Vehicle & Coverage Level

Luxury cars have expensive insurance, as their parts are expensive when drivers have accidents. Notably, the BMW 3 Series has the highest monthly rate of the listed vehicles.

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Minor Factors in Best Newark, New Jersey Auto Insurance

Some people are unaware of one or more of the factors above, and many drivers aren’t aware of the factors listed below.

Your Gender and Marital Status

Are you worried about being charged more simply because of an uncontrollable factor, such as your gender? Well, don’t worry too much because most providers these days charge the same rate, regardless of gender. And if you get charged a higher premium for being male or female, it won’t change your premium by more than a few dollars per month.

Married couples can get all sorts of discounts – if they know how to bundle their insurance policies. The most obvious choice is to bundle your and your spouse’s auto policies under the same company. And if that company offers other insurance – such as boating, homeowners, or life insurance – you can bundle those too for further discounts.

Read more: Combining Car Insurance After Marriage

Your Driving Distance to Work

Commute times in Newark can be woefully long, ranging between 29 and 38 minutes each way for the average motorist. Less than 45% of drivers take their own vehicles to work. However, most prefer to carpool (12%) or take the bus (22%).

Some insurers want to make a big deal out of how many miles you drive yearly or why you’re driving (work/school vs. recreation). But your reason or distance won’t drastically alter your rate if you’re driving a business vehicle (which can see rate hikes as high as 10%) or more.

Read more: Green Commuting in 2025 (Why it Matters)

Your Coverage and Deductibles

Do you think you are unlikely to file a claim any time soon? Then talk to your agent about raising your deductible. It’s a great way to lower your monthly premium and save money. But put a little extra aside – just in case you do have to file a claim.

Your Education

Over 42% of Newark residents have under four years of high school, while 30% have graduated with a high school diploma or equivalent. However, it should be noted that car insurance companies are increasingly giving lower rates to drivers who have obtained higher education levels; if you’re considering returning to school, you could save money in the long run through good student discounts!

The largest university in Newark is Rutgers, which educates tens of thousands of students annually. The college offers bachelor’s and master’s degrees in nursing, business, law, or public administration. The New Jersey Institute of Technology is a public research university focusing on science and engineering. You can also look into Essex County College for a vocational or two-year degree to get a faster degree.

Figuring out your individual financial risk can be extremely challenging or unachievable for the typical insurance customer. Insurance providers possess an advantage over customers because of their studies and experiential knowledge. You can find out what insurance companies don’t really want you to discover and start asking how to get affordable car insurance near me.

Read more: Car Insurance for Students: Saving 101

How We Conducted Our Car Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

We hope you gain enough knowledge to find the best auto insurance in Newark, NJ. Enter your ZIP code to immediately compare types of car insurance and premium rates and save hundreds on your next insurance payment.