For a 40-year-old driver with a clean record, Newark car insurance averages about $409 a month ($4,907 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 47% over New Jersey’s average of $279 a month. GEICO has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, NJM, Progressive and State Farm), at about $266 a month.
Newark ties with neighboring Irvington for the most expensive car insurance in New Jersey in our data. Our benchmark driver pays about $130 a month more here than the state average, so Newark car insurance costs are worth checking insurer by insurer.
Our data covers nine Newark ZIP codes, from 07102 downtown to 07114 near the airport. All nine Newark ZIP codes we price carry the same price from every insurer in our data, so the city average is also the average in each ZIP code.
Cost data comes from the auto rates insurers file with state regulators, priced across all nine Newark ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in Newark, NJ, runs about $409 a month ($4,907 a year), and liability-only coverage at 15/30/5 limits runs $188 a month, based on rates filed as of Aug. 31, 2026. The New Jersey average is $279 a month, which makes this 47% higher.
GEICO has the lowest full-coverage average among the five insurers in our Newark rate data. The seven published 2026 statewide New Jersey rate studies we reviewed disagree on the cheapest insurer for full coverage: three put NJM first (one ties it with Selective), two GEICO and two Travelers. For liability-only coverage at 15/30/5 limits, averages run from about $93 to $321 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Newark
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $1,114 | $93 | $3,188 | $266 |
| NJM Insurance | $1,700 | $142 | $3,898 | $325 |
| Progressive | $2,296 | $191 | $5,301 | $442 |
| Allstate | $2,300 | $192 | $5,349 | $446 |
| State Farm | $3,851 | $321 | $6,797 | $566 |
| Selective* | $1,303 | $109 | $3,125 | $260 |
| Travelers* | $2,180 | $182 | $3,762 | $314 |
| Plymouth Rock* | $1,546 | $129 | $4,107 | $342 |
| Newark average | $2,252 | $188 | $4,907 | $409 |
This table uses Newark ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $377 a year on average in our Newark data, with the same $500 deductibles. That’s about $31 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Slightly, for our benchmark driver. Comparing the same insurers in the same Newark ZIP codes, full coverage averaged $4,844 a year nine months earlier and $4,907 in rates as of Aug. 31, 2026, a 1.3% increase. Newark averages fell 6.3% at GEICO but rose 4.7% at State Farm, 2.8% at Allstate, 1.1% at Progressive and 0.5% at NJM. Liability-only coverage at 15/30/5 limits rose 9.7%, led by State Farm, which raised its liability-only average 14.3%. NJM was the only insurer to lower its liability-only average, by 3.4%.
Insurers price each territory on the claims they expect there, and Newark’s prices are among the highest in our data. Essex County averages $4,097 a year for full coverage, the second-highest of New Jersey’s 21 counties after Hudson, and Newark is higher still.
Prices drop quickly outside the city. East Orange and Orange average about $386 a month, Bloomfield $316, Montclair $292 and Livingston $276. The insurer matters even more for Newark auto insurance costs: State Farm’s Newark average is about $300 a month above GEICO’s, and all five major insurers we compared charge more here than in any of our other New Jersey city guides. New Jersey insurers price by location as well as by driver and car, so your ZIP code can move your price.
More New Jersey cities and towns are in the New Jersey rates by city table, and you can compare states on our car insurance rates by state page.
Elizabeth, about five miles south, averages $381 a month, and Jersey City, about seven miles east, $343. Kearny and Harrison, just across the Passaic River, average about $346. For the statewide picture, see our guide to New Jersey car insurance rates.
Drivers in Newark follow New Jersey’s rules. A Standard policy issued or renewed since Jan. 1, 2026, must include at least:
A lower-cost Basic policy also meets the law, with $5,000 of property damage liability and $15,000 of PIP but no bodily injury liability unless you add $10,000. The liability-only prices on this page use 15/30/5 limits, below the Standard-policy minimum. Our New Jersey requirements guide covers the Basic and Special Automobile Insurance policies, the lawsuit options and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from New Jersey law and the New Jersey Department of Banking and Insurance. We refresh these figures when new rate data is released.
Car insurance in Newark, NJ, costs about $409 a month ($4,907 a year) for full coverage and $188 a month for liability-only coverage at 15/30/5 limits, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 47% above the New Jersey average of $279 a month.
GEICO has the lowest full-coverage average in our Newark rate data, at about $266 a month, followed by NJM at $325 among the five major insurers we compared. For liability-only coverage at 15/30/5 limits, averages run from about $93 to $321 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Newark full coverage averages about $409 a month, 47% above the New Jersey average and tied with Irvington for the highest of any New Jersey town in our data. Insurers price each territory on the claims they expect there, and Essex County, which includes Newark, averages $341 a month, the second-highest county in New Jersey.
Not in our data. Every insurer in our data charges the same price in all nine Newark ZIP codes we price, so the city average is also the average in each ZIP code. To pay less, compare insurers: GEICO’s Newark average is about $266 a month, versus $566 for State Farm.
In our Newark data, full coverage (100/300/100 with $500 deductibles) averages about $409 a month and liability-only coverage at 15/30/5 limits about $188, a difference of about $221 a month ($2,655 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New Jersey law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Newark follow New Jersey law. A Standard policy issued or renewed since Jan. 1, 2026, needs at least $35,000 per person and $70,000 per crash in bodily injury liability, $25,000 in property damage liability, personal injury protection and uninsured and underinsured motorist coverage. A lower-cost Basic policy, with $5,000 of property damage liability and $15,000 of PIP, also meets the law.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Newark full coverage rose 1.3% over the past nine months, from about $4,844 to $4,907 a year. GEICO cut its Newark average 6.3%, while State Farm raised its average 4.7%, Allstate 2.8%, Progressive 1.1% and NJM 0.5%. Liability-only coverage at 15/30/5 limits rose 9.7%.
For our benchmark driver, full coverage in Newark averages about $409 a month. Nearby, Elizabeth averages about $381, Jersey City about $343 and Paterson about $385. Elizabeth, Jersey City and Paterson are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
