Newark Auto Insurance Rates, Quotes, Agents & Reviews in NJ

Newark, NJ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Newark, NJ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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How to Save on Car Insurance in Newark, NJ

The average cost of auto insurance in Newark is $1,650. This is almost the same as the cost of auto insurance in neighboring places such as East Newark, Hillside, Harrison, and Irvington. The cost of auto insurance depends on numerous factors such as the rate of deductibles and the make and model of the car. The cost can also vary from one neighborhood to another depending on the rate of auto thefts in that area.


Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

Being a safe driver would mean better savings. Having a poor driving record can lead to a massive increase in the cost of auto insurance. For instance, driving with an expired license could increase the cost of auto insurance by $1,112, while driving-under-influence could increase the cost of auto insurance to $2,826, which is a massive increase from the average cost of car insurance in Newark.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.  

Multi-Car Insurance:

It is always better to insure multiple cars with the same auto insurance company. Insurers provide discounts to those car owners who insure multiple cars with them. In Newark, a multi-car insurance for two vehicles can help save up to $429 and can save up to $858 when the number of vehicles is four. However, the price also depends on the make and model of the vehicle and the neighborhood one lives in. 

Bundling is another way of lowering the cost of auto insurance in Newark. Insurance companies provide additional discounts to those customers who insure their home, life, and auto insurances with the same company. 

Factors that can influence the cost of car insurance in Newark, NJ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Newark, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Newark, NJ with that of other cities in and around Newark.

Newark East Newark Hillside Harrison Kearny Irvington
Average Insurance Rates $1,650 $1,691 $1,659 $1,696 $1,701 $1,628

Newark, NJ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Newark, NJ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Newark $1,254 $1,059
Harrison $1,747 $1,476
East Newark $2,384 $2,014
Irvington $2,923 $2,469
Kearny $1,295 $1,094
East Orange $1,747 $1,476
Hillside $1,663 $1,405
Silver Lake $1,001 $846

Newark, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Newark, NJ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,354
20 Years $2,120
30 Years $1,633
40 Years $1,571
50 Years $1,455
60 Years $1,475
70 Years $1,717

Newark, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Newark, NJ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,871 $429
3 Vehicles $4,307 $644
4 Vehicles $5,742 $858

Savings on 2 Vehicles bundle:$429

Savings on 3 Vehicles bundle:$644

Savings on 4 Vehicles bundle:$858

Newark, NJ Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Newark, NJ.

Location Average Insurance Cost Post DUI Insurance Rate
Newark $1,650 $2,826
Harrison $1,696 $2,905
East Newark $1,691 $2,897
Irvington $1,628 $2,789
Kearny $1,701 $2,914
East Orange $1,641 $2,811
Hillside $1,659 $2,842
Silver Lake $1,696 $2,905

Newark, NJ Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,416
Excellent (740-799) $1,616
Good (670-739) $1,719
Average (580-669) $2,243
Poor (300-579) $2,691

Newark, NJ Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Suburban Insurance Agency, Inc. None 329 Belleville Ave, Bloomfield, 7003 None
Alpha Agency Llc Travelers 89 ELMORA AVE, ELIZABETH, 7202 908-659-0010
Dynasty Agency Travelers 83 KEARNY AVENUE, KEARNY, 7032 201-997-2303
Route 22 Insurance Agency Farmers 2271 US Highway 22 W, Union, 7083 (877) 943-3650
Anicos Inc Travelers 6034 HUDSON AVE, WEST NEW YORK, 7093 201-868-9210
Capacity Coverage Co.-Bayonne None 822 Broadway, Bayonne, 7002 None
Capacity Coverage Co.-Bayonne None 822 Broadway, Bayonne, 7002 None
Donadio Associates, Llc None 24 Leaycraft Lane, Caldwell, 7006 None
Decoster Wilson Duthie Agy Inc Liberty Mutual Independent 161 EAGLE ROCK AVE, ROSELAND, 7068 (973) 226-2336
Anthony Migliore State Farm 195 Bellevue Ave Ste B, Montclair, 07043-1820 973-746-8784
Justin Bush State Farm 6136 Washington St, West New York, 07093-1519 201-869-5400

Newark, NJ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$73 $1,723
Driver's Failure In Showing Documents +$160 $1,810
Driving With An Expired Registration +$170 $1,820
Driving At A Considerably Slow Pace +$358 $2,008
Using A Cellphone While Driving +$378 $2,028
Running A Red Light +$384 $2,034
Speeding +$404 $2,054
Driving A Vehicle Without The Required Permission +$513 $2,163
Driving With An Expired/Suspended License +$1,112 $2,762

Newark, NJ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,584
Active Disabling Device $1,584
Tracking Device $1,551
Passive Disabling Device $1,535

Latest Auto Insurance Reviews in Newark, NJ | Back to Top

I don't like the deductible amount. I've had to raise mine so high just to keep my bill cheaper.
State Farm
State Farm is also one of the best company which provides best auto insurance.
State Farm
I think that my car insurance policy is similar compared to others. They give more coverage for more money but I believe that it is still pretty reasonable when compared to others.
State Farm
My premium and deductible is very good with State Farm Insurance. They were offering one of the lowest payments for insurance.
i like my car insurance in terms of premium amounts and there are very broad options in the selection of the type of plan..
i like my car insurance in terms of premium amounts and there are very broad options in the selection of the type of plan..
In totally I like most of the thing that I am getting from the company insurance. It is perfect and I am happy of the customer service and for the return money and other things. I think this is a perfect company insurance.
Narragansett Bay Insurance Company
the services I receive from Narragansett Bay Insurance Company are pretty standard and exactly what you would expect from an auto insurance provider. Each year I get a dividend check that helps pay for the insurance.
AAA is very reputable and makes it easy for user viewing on their sites. It's also a plus to have an agent that cares for your account on their behalf.
I like that geico has an app where you can file a claim and automate the majority of the process. I don't like that it seems all of there service representatives in certain situations arn't very knowledgeable in how to handle claims it feels kind of off when you actually talk to people.
National General
In our insurance company the premium package of insurance is much better and very low o compared to other ones. The quarter amount premium will be start our policy.
They took care of my rental car and I had the access to see where my claim was in the process online. I've never had any issues paying deductibles.
I think that the company's premiums are probably much higher than they should be for comparable coverage from other companies
They are a good company I believe. Just have higher premiums and don't want to give that money back when it is needed. My husband suffered a broken back and he just wants payment for his suffering.