Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Newark, NY are $245/month
  • The cheapest car insurance company in Newark after a DUI is GEICO
  • Average car insurance rates in Newark, NY for senior drivers are $1,823/year

Average car insurance rates in Newark, New York are $245 a month. But with a little research you can get a great deal from the top car insurance companies in Newark, NY. Before you buy Newark, New York car insurance, make sure your coverage meets or exceeds the New York minimum of 25/50/10.

It may even be helpful to compare Newark car insurance rates with Albany car insurance rates, Schenectady car insurance rates, or Utica car insurance rates to make sure you’re getting the best Newark, NY car insurance quotes available.

Need affordable Newark, NY car insurance? Enter your ZIP code to compare Newark car insurance quotes from multiple car insurance companies near you.

Newark, NY Minimum Car Insurance Coverage

Newark, New York law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Newark, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Newark, NY Car Insurance Rates by Coverage Level

Some Newark drivers can get by with the New York minimum coverage of 25/50/10. Other drivers may need more. See how much your Newark, New York car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Newark, New York

Insurance Company Low Medium High
Allstate $3,008 $3,180 $3,386
GEICO $1,582 $1,658 $1,747
Liberty Mutual $4,105 $4,280 $4,502
Nationwide $2,466 $2,588 $2,770
Progressive $2,542 $2,660 $2,812
State Farm $3,092 $3,278 $3,407
Travelers $3,004 $3,140 $3,377
USAA $2,588 $2,650 $2,748

Newark, NY Car Insurance Rates by Age, Gender, and Marital Status

Newark, New York car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Newark, NY car insurance, get quotes from multiple car insurance companies in the Newark area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Newark, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,166 $2,043 $2,036 $2,068 $6,229 $6,683 $2,143 $2,162
GEICO $1,235 $1,189 $1,200 $1,183 $2,545 $3,687 $1,115 $1,144
Liberty Mutual $3,126 $3,126 $2,913 $2,913 $6,046 $9,796 $3,126 $3,320
Nationwide $1,988 $1,988 $1,880 $1,880 $3,472 $5,150 $1,988 $2,519
Progressive $1,605 $1,511 $1,302 $1,317 $5,446 $6,084 $2,077 $2,030
State Farm $2,055 $2,055 $1,790 $1,790 $6,001 $7,741 $2,256 $2,383
Travelers $2,307 $2,339 $2,094 $2,254 $5,203 $6,192 $2,447 $2,554
USAA $1,407 $1,383 $1,273 $1,277 $5,556 $6,624 $1,796 $1,982

Newark, NY Car Insurance Rates for Teens

How much is Newark, New York car insurance for teens? Compare rates from top Newark car insurance companies below to help find the cheapest teen car insurance in Newark, NY.

Annual Car Insurance Rates for Teen Drivers in Newark, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,229 $6,683
GEICO $2,545 $3,687
Liberty Mutual $6,046 $9,796
Nationwide $3,472 $5,150
Progressive $5,446 $6,084
State Farm $6,001 $7,741
Travelers $5,203 $6,192
USAA $5,556 $6,624

Newark, NY Car Insurance Rates for Seniors

Before seniors buy Newark, New York car insurance, they should make sure to shop around. Some Newark, NY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Newark, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,036 $2,068
GEICO $1,200 $1,183
Liberty Mutual $2,913 $2,913
Nationwide $1,880 $1,880
Progressive $1,302 $1,317
State Farm $1,790 $1,790
Travelers $2,094 $2,254
USAA $1,273 $1,277

Newark, NY Car Insurance Rates by Credit History

How does your credit history affect Newark, NY car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Newark, New York

Insurance Company Poor Fair Good
Allstate $4,570 $2,684 $2,321
GEICO $2,082 $1,531 $1,374
Liberty Mutual $5,994 $3,935 $2,957
Nationwide $2,608 $2,608 $2,608
Progressive $4,195 $2,199 $1,620
State Farm $4,601 $2,885 $2,290
Travelers $4,365 $2,757 $2,400
USAA $4,102 $2,062 $1,823

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Newark, NY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Newark, New York car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Newark.

Annual Newark, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,712 $2,712 $3,935 $3,406
GEICO $1,319 $1,437 $2,574 $1,319
Liberty Mutual $3,448 $3,448 $6,837 $3,448
Nationwide $2,004 $2,004 $4,377 $2,048
Progressive $2,600 $2,600 $2,870 $2,615
State Farm $3,106 $3,106 $3,412 $3,412
Travelers $2,738 $3,376 $3,422 $3,158
USAA $2,368 $2,406 $3,469 $2,406

Newark, NY Car Insurance Rates With a DUI

Even a single DUI can increase your Newark, NY car insurance rates. Compare rates below to see which Newark car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Newark, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,935
GEICO $2,574
Liberty Mutual $6,837
Nationwide $4,377
Progressive $2,870
State Farm $3,412
Travelers $3,422
USAA $3,469

Newark, NY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Newark, NY car insurance rates may be. Let’s take a look at average car insurance rates from top Newark companies based on commute time.

Annual Car Insurance Rates by Commute Length in Newark, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,149 $3,234
GEICO $1,614 $1,711
Liberty Mutual $4,176 $4,415
Nationwide $2,608 $2,608
Progressive $2,671 $2,671
State Farm $3,144 $3,374
Travelers $3,174 $3,174
USAA $2,636 $2,689

Newark, NY Cheapest Car Insurance Rates

How do the top Newark, New York car insurance companies’ average rates stack up against the Newark average monthly car insurance rates of $245? Take a look and see.

Best Annual Car Insurance Rates by Company in Newark, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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Newark, NY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Newark, New York car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Newark, New York

Insurance Company Average Annual Rates
Allstate $3,191
GEICO $1,662
Liberty Mutual $4,295
Nationwide $2,608
Progressive $2,671
State Farm $3,259
Travelers $3,174
USAA $2,662

Other Factors Affecting Newark, NY Car Insurance Rates

Before you buy Newark, New York car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Newark, NY Commute Time

How does your Newark, NY commute time compare with the average driver? In Newark, the average commute is 19.1 minutes.

Newark, NY Car Insurance Quotes

Compare Newark, NY car insurance quotes from multiple companies by entering your ZIP code now.