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Search by Quote ID → Search by Date of BirthMercury 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. Our policies are tailored to meet your specific needs so you can drive confidently, knowing you’re protected on the road. Plus, we make it easy to lower your premium by offering competitive rates and various discounts to help you save, including savings for bundling multiple policies, insuring more than one vehicle, maintaining a clean driving record, and more.
Why Choose Mercury for Newark Car Insurance?
- Local expertise: Our Newark insurance agents understand the driving conditions of the city—from congested highways to tight downtown parking—and can help tailor your policy to fit your lifestyle and budget.
- Affordable rates: Mercury is committed to providing Newark drivers with competitive rates and even more ways to save. Qualifying drivers can earn discounts like up to 17% off for bundling multiple vehicles, up to 15% for paying in full, 8% for maintaining a clean driving record, and 5% for driving an electric vehicle.
- Tailored coverage: We offer customizable policies that provide the right protection for your specific needs.
- Easy claims process: With our 24/7 claims service, you’ll get fast, reliable support when you need it most so you can get back on the road with confidence.
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:
- $25,000 for bodily injury per person.
- $50,000 for total bodily injury per accident.
- $25,000 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.
Types of Auto Insurance Coverages
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 New York 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.
How to Get Car Insurance in Newark, NJ
Getting car insurance in Newark is quick and hassle-free with Mercury Insurance. Whether you need basic liability coverage or full protection, our local agents are here to guide you through every step of the process.
Get started with a quote today by contacting a Newark Mercury agent or call us at (866) 531-7249.
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, including:
- Multi-car discount: Insure multiple vehicles under the same policy and save up to 17%.
- Accident- and violation-free: Stay accident and ticket-free for 35 months and you could save up to 8%.
- Paid in full: Pay your entire policy upfront and enjoy savings of up to 15%.
- Automatic payment: Enroll in autopay and receive an additional 6% discount.
- Electric vehicle discount: Drive an electric car? You could qualify for up to 5% off.
- Defensive driver course: Complete a New Jersey state-approved defensive driving course and earn a 5% discount.
- Multi-policy discount: Bundle your auto policy with home or renters insurance and save up to 17%.
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.
Top Rated Auto Insurance in New Jersey
Mercury is proud to be a top-rated auto insurance provider for drivers across New Jersey. With affordable rates, customizable coverage, and a strong reputation for customer satisfaction, it’s easy to see why so many Newark residents choose Mercury for their car insurance needs.
Read real reviews to see why our customers love Mercury.
Mercury is my #1 choice!
We have only had a few claims but the have always been handled quickly, efficiently & courteously!
Great service and a great value!
Looking forward to a long relationship with Mercury!
Great service!!
So helpful and easy to work with, understood exactly what my needs were. After bad experiences with my last provider, this was a welcome change!
Learn More About Car Insurance
Check out our latest blogs for tips, updates, and everything you need to know to protect your ride.
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How Do I Know If I Have Comprehensive Car Insurance?
Does Bundling Home and Auto Insurance Actually Save You Money?Newark Car Insurance FAQ
How much is car insurance in Newark?
According to Bankrate, the average cost of full coverage car insurance in Newark is $4,041 per year.
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 New Jersey Courts, 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?
Mercury offers several products to Newark residents, including: