Car Insurance in Newark, New Jersey

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Mercury Car Insurance in Newark

Navigating the bustling streets of Newark requires a reliable car insurance policy. Whether you’re commuting to work, visiting the Newark Museum, or driving to the Prudential Center for a concert, you need coverage that gives you peace of mind on the road. Mercury is your trusted partner for comprehensive auto insurance. We understand the unique challenges that Newark drivers face, from dealing with the city’s busy highways to the unpredictable Jersey weather. That’s why our policies are tailored to meet your specific needs, so you can drive confidently knowing you’re protected on the road.

Contact us today for a fast, free quote!

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Newark?

In New Jersey, it’s illegal to operate a vehicle without the required minimum coverage levels. Failing to follow these laws can result in severe penalties, including fines and a license suspension.

Legal Requirements to Drive in Newark

According to the New Jersey Department of Banking & Insurance, the state mandates that all motor vehicles must carry minimum liability insurance and Personal Injury Protection (PIP). Here’s what that means for you:

  • Liability insurance: This covers costs associated with damage and injury you may cause to other people in an accident. The minimum limits are:
    • $15,000 for bodily injury per person.
    • $30,000 for total bodily injury per accident.
    • $5,000 for property damage per accident.
  • Personal injury protection (PIP): Also known as “no-fault” insurance, PIP covers medical expenses for injuries sustained in an auto accident regardless of who’s at fault. The minimum coverage required is:
    • $15,000 per person, per accident.
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Optional Coverages in Newark

While the law covers the essentials, optional insurance coverages provide additional security and peace of mind. Consider enhancing your policy with the following options:

  • Collision protection: Covers damage to your vehicle resulting from a collision, regardless of who’s at fault.
  • Comprehensive coverage: Protects you against damage to your vehicle caused by non-collision events such as theft, vandalism, and natural disasters.
  • Uninsured/underinsured motorist protection: Offers coverage in case you get into an accident with a driver who either lacks sufficient insurance or has none at all.
  • Roadside assistance: Provides help if you’re stranded due to a breakdown, flat tire, or other roadside emergencies.

What Does Newark Auto Insurance Not Cover?

While auto insurance is designed to provide financial protection in many situations, you must understand that not all circumstances or items are covered. Here are some common exclusions you might find in your Newark auto insurance policy:

  • Personal belongings: Most auto insurance policies don’t cover personal items in your car, such as electronics, clothing, or cash left in the vehicle that are stolen or damaged. You must get homeowners or renters insurance.
  • Routine maintenance: Wear and tear or breakdowns due to aging, like brake pad replacement, oil changes, or tire rotations, are not covered.
  • Deliberate damage: Any purposeful damage to your vehicle is not covered.
  • Use for business purposes: If you use your personal vehicle for business purposes, like deliveries or transporting goods, you might need business auto insurance.
  • Racing and speed testing: Standard auto insurance policies don’t cover damage from racing or speed testing.

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Get Cheap Auto Insurance in Newark from Mercury

If you want cheap auto insurance in Newark, look no further than Mercury. We offer competitive rates that won’t break the bank, ensuring you get the coverage you need without compromising quality.

Save More with Discounts

At Mercury, we believe in rewarding our customers. That’s why we offer various discounts to help you save even more on your auto insurance. Whether you’re a safe driver, a student with good grades, or you own a vehicle with anti-theft features, you’ll benefit from our variety of stackable discounts. Our team is always ready to help you identify your eligible discounts, ensuring you get the best deal possible.

Bundling with Mercury

Combine your auto insurance with other policies, such as home and renters insurance, to save even more. Bundling your policies with Mercury not only simplifies your insurance needs but also increases your overall savings.

  • Newark home insurance: Protect your home from unexpected events with comprehensive home insurance. This policy covers everything from fire damage to theft, ensuring your home and belongings are secure.
  • Newark renters insurance: This insurance covers your possessions in the event of theft, fire, or other damages. It also provides liability coverage, which can be crucial in dense urban environments.

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Turnpike traffic - New Jersey, USA

Newark Car Insurance FAQ

How much is car insurance in Newark?

According to Value Penguin, the average cost of car insurance in Newark is $249 per month for full coverage. This cost is higher than the national average of $164 per month.

What is full coverage insurance in New Jersey?

Full coverage insurance in New Jersey typically refers to a combination of coverages that go beyond the state's minimum liability requirements, providing broader protection for the vehicle owner. These additional coverages usually include collision protection, comprehensive coverage, and uninsured/underinsured motorist coverage.

How much is a ticket for no insurance in New Jersey?

According to Bankrate, a penalty for driving without insurance can cost between $300 to $1,000, while subsequent offenses can cost up to $5,000.

How to find the cheapest car insurance in Newark?

Mercury provides some of the cheapest car insurance in Newark. Our team can help you choose the right policy for your needs, ensuring you're not overpaying for coverage you don't need. Plus, you can save even more with our discounts and bundling options.

How do I find a Mercury Agent in Newark?

Visit the New Jersey Insurance Agents page to find an agent in your area.

What products does Mercury offer in Newark?