Cheapest Auto Insurance in Newark, Delaware (2025)

Located in New Castle County, the historic city of Newark, Delaware, is home to the University of Delaware — the state’s largest university.

Newark drivers pay an average rate of $244 per month for full-coverage car insurance, which falls slightly above the statewide full-coverage average of $238 per month. More young drivers on the road could party contribute to the city’s higher car insurance costs.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Newark.

3 of the cheapest car insurance companies in Newark

While the cheapest car insurance coverage may be the best option for many drivers, the right policy for you ultimately depends on your unique situation and needs. For instance, you may feel more comfortable with higher coverage levels than a basic policy provides. In this case, purchasing more expensive auto coverage could make sense.

Included here are three of the most affordable insurers in Newark for you to consider as you search for your next policy.

Best insurer for liability-only coverage: USAA

Best insurer for families: State Farm

Best insurer for full coverage: GEICO

How to get the cheapest car insurance in Newark

Car insurance companies look at several factors when determining your insurance rates, including your driving record, age, location, and more. If you’re looking for cheap car insurance in Newark, the following tips could help you get the quality coverage you want:

• Maintain a clean driving record. You should focus on maintaining a clean record, as this will make cheap car insurance coverage more accessible to you. Obey the rules of the road, and don’t drive under the influence.

• Compare coverage options. It’s wise to compare insurance coverage from top companies, as the first insurer you consider won’t necessarily offer the best rate and coverage for your needs.

• Research available discounts. Discounts vary depending on the insurer, so compare available discounts as you shop around for car insurance coverage. For instance, bundling discounts are common if you buy multiple insurance products from the same insurer, such as home insurance, auto insurance, or life insurance.^[6]

Cheapest liability-only car insurance in Newark: USAA

Drivers seeking liability-only coverage in Newark, Delaware, have several affordable options to choose from. Liability-only insurance may provide enough coverage if you have an older, high-mileage vehicle. It’s cheaper than full-coverage insurance, but it also provides less protection for your vehicle.

With a liability-only policy, your insurance will kick in if you injure another driver in an at-fault accident or damage someone else’s property. It won’t cover any of your vehicle damages or medical expenses following an accident.2

Liability policies in Newark cost $185 per month, on average. Here you can see a collection of average rates offered by top insurers in the area.

Cheapest full-coverage car insurance in Newark: CSAA

Full-coverage car insurance offers more vehicle protection and financial security than liability coverage, making it a smart choice if you drive a newer vehicle. It includes collision and comprehensive coverage, which pay for your vehicle damage following an accident or non-collision incident, including vandalism, fire, and severe weather.

Full coverage is more expensive due to the added protection. Newark drivers pay a monthly average of $244 per for full-coverage policies. You can find cheap car insurance rates for full coverage below.

Car insurance requirements in Delaware

Delaware isn’t a no-fault car insurance state, but it does require drivers to purchase personal injury protection (PIP) coverage in addition to the minimum liability insurance requirements. PIP coverage can pay for your medical bills following an accident — regardless of fault. But drivers can still sue an at-fault driver for damages after an automobile accident.3

The state also requires drivers to purchase a minimum amount of bodily injury and property damage liability insurance to cover any damage or injury they cause in an accident. You can find the specific requirements below.

If you prefer to have more insurance than a basic auto policy provides, you can purchase optional coverage. Common insurance add-ons include the following:

Cheapest car insurance for drivers with an incident

People with a driving history free of at-fault accidents, speeding tickets, DUIs, or other moving violations typically earn the cheapest car insurance rates. These incidents can increase your monthly auto insurance premiums, often significantly. Your insurance company may view you as a high risk to insure and pass that cost to you in the form of higher prices.4

Cheapest car insurance for drivers with a speeding ticket: USAA

You can expect to pay more for car insurance coverage in Newark, Delaware, if you have a speeding ticket on your record. If you have several speeding tickets, your insurance costs may increase even more. In general, it’s smart to avoid speeding if you want to keep your car insurance expenses low. Always pay attention to posted speed limits, and check your speedometer periodically.

Drivers in Newark with a speeding ticket pay an average of $248 per month for liability coverage and $327 for full coverage.

Cheapest car insurance for drivers with an at-fault accident: USAA

Newark drivers with at-fault accidents on their record can also expect higher monthly premiums. Again, your insurance company may view you as a high risk to insure if you’ve had past accidents — especially if they resulted in costly claims. You can try lowering your premium by taking a safe driving course if your insurance company offers a related discount.

Liability insurance for Newark drivers with an accident on their record costs $265 per month, and full coverage costs $349 per month.

Here are the cheapest average car insurance rates for Newark drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: USAA

You’ll likely pay the most for car insurance coverage if you’ve received a driving under the influence charge. DUIs typically represent high levels of risk for insurance companies, so your insurance costs may increase significantly.

Newark drivers with a DUI on their record pay monthly averages of $298 for liability coverage and $393 for full coverage. Here, you can see a collection of the most affordable insurers in the area.

Cheapest car insurance for seniors: CSAA

Your age influences how much you pay for car insurance. In general, you’ll pay the lowest rates for auto insurance coverage between your mid-30s and around when you turn 70. Rates can begin to increase slightly after age 70 due to increased physical vulnerabilities associated with aging.

Seniors drivers in Newark pay an average of $155 per month for liability coverage and $204 for full coverage. You can find the cheapest rates for senior drivers in Newark below.

Cheapest car insurance for teens: CSAA

Teenage drivers often face expensive car insurance rates because insurers view them as high risk due to their inexperience. Teens in Newark pay an average of $304 per month for liability coverage and $401 for full coverage.

Still, if you’re a new driver seeking coverage in Newark, you can work on earning a lower rate in a few different ways:5

• Stay on your parents’ insurance. You’ll generally pay lower monthly premiums if you stay on your parents’ auto policy instead of getting coverage on your own.

• Get a safe car. Opting for a car with high safety ratings may help you get cheaper coverage. Cars with certain safety features could also earn you a discount on your policy.

• Earn a good student discount. Many insurers offer good student discounts if you maintain a certain GPA.

Here, you can see the cheapest average rates for teen drivers in Newark.

Newark car insurance quotes by credit tier

Your credit history can also affect the cost of your car insurance coverage. Overall, drivers with excellent or good credit scores pay less for car insurance than people with poor credit scores. Improving your credit score could help you reduce your insurance costs.

Below are the average monthly rates for full-coverage insurance in Newark by credit tier.

Is car insurance more expensive in Newark?

Drivers in Newark pay an overall average of $214 per month for car insurance, which exceeds the national average rate of $143. And, at $202 per month for auto coverage, Delaware drivers pay more for coverage than people in some nearby states. For example, New Hampshire drivers pay just $72 per month, on average, for car insurance.

Full-coverage insurance is slightly cheaper in Newark than it is statewide, but liability-only coverage is slightly more expensive in Newark than throughout the rest of Delaware. Overall, the rates in Newark resemble the state’s average rates. Where you live in Delaware, including the city and ZIP code, can determine how much you pay for coverage.

More cities in Delaware

Drivers in other Delaware cities pay more for full-coverage insurance than drivers in Newark, on average. For instance, if you move from Newark to Wilmington, your monthly premiums could increase.

See how rates in other Delaware cities compare to average rates in Newark below.

Newark car insurance FAQs