﻿ Newark, CA Car Insurance Rates for 2021 | Compare.com

Newark, CA Car Insurance

On average, Newark drivers pay a monthly average rate of around $52 for their car insurance. To learn more about policy rates and coverage in the Newark area, continue reading our guide below.
Compared to their surrounding area, how do rates in Newark stack up? What about against the rest of California? What rates should residents of Newark expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Newark?

Area Average Monthly Car Insurance Premium
United States$80

As you can see in the chart above, it is around $4 a month cheaper to insure your vehicle in Newark than it is in the rest of California.

Similarly, car insurance rates in Newark are often favorable when viewed against the rest of the country. It's around $28 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these numbers are the average rates for auto insurance in Newark, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data

It would make sense that older drivers have more driving experience, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Newark.

Average Car Insurance Rates by Gender

Gender Average

On average, female drivers pay slightly less for car insurance than their male counterparts. In Newark, however, male and female drivers both pay about the same rate for insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$50
1 Ticket$93
Multiple Tickets$78

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Newark, a driving record with a single accident will usually get you a rate around $66 a month. In addition, drivers with one ticket can expect to pay around $93 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$43
4-5 Years$45
6-7 Years$61
8-10 Years$51
11-14 Years$54
15 Years or Older$47

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Newark, with drivers paying around $47 per month to insure their vehicle.

Car owners, on the other hand, typically pay around $53 a month, while SUV drivers can expect to pay about $49 per month for insurance.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Newark, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$55


The difference in rates based on relationship status in Newark is about $11 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$64

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $1 a month more than homeowners in Newark. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Newark, CA

Recent trends in car insurance for Newark drivers


Car insurance rates in Newark rose from 2016-2017, when they reached a high of $61. This trend shifted in 2018, when they began to decrease, and have continued moving in that direction through the present, when policy premiums hit a low of $42 a month.

How does Newark compare to neighboring areas?

Why are car insurance rates in Newark different from other areas?

Car insurance companies look at several factors when they're figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • Road safety
  • Rate of crime
  • Regional laws
  • Off-street parking accessibility
  • Total number of drivers in the region

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Newark?


Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Newark.

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Newark Insurance FAQs

What factors affect car insurance quotes in Newark?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Newark different from other neighboring cities?


Which car insurance company will offer me the cheapest rate in Newark?


Do I need to change my insurance if I move to Newark?



No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Newark or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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