Compare Cologne, NJ Car Insurance Rates (2021)

Car insurance in Cologne, NJ averages $458 a month. Cologne, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Cologne car insurance rates, compare quotes from the top car insurance companies in Cologne, NJ.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Cologne is GEICO
  • Average car insurance rates in Cologne, NJ after a DUI are $6,456/year
  • The cheapest car insurance company in Cologne for teen drivers is GEICO

If you need to buy Cologne, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Cologne, NJ is right here.

You’ll find Cologne car insurance rates, the cheapest Cologne, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Cologne, New Jersey car insurance rates to Camden car insurance rates, Passaic car insurance rates, and Elizabeth car insurance rates.

Ready to find affordable Cologne, NJ car insurance today? Enter your ZIP code for fast, free Cologne car insurance quotes.

Cheapest Cologne, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cologne, NJ car insurance rates? Every Cologne, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cologne, New Jersey

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 $3,812 $3,796 $3,731 $3,731 $11,781 $13,964 $4,523 $4,542
Farmers $5,043 $5,074 $4,932 $4,772 $14,141 $16,152 $5,933 $5,876
GEICO $2,430 $2,392 $2,380 $2,380 $4,399 $4,294 $2,806 $2,680
Liberty Mutual $4,448 $4,448 $4,882 $4,882 $11,425 $12,954 $4,882 $5,592
Progressive $2,165 $1,981 $1,950 $2,034 $9,600 $10,283 $2,544 $2,348
State Farm $4,094 $4,094 $3,706 $3,706 $13,378 $17,175 $4,665 $5,211
Travelers $2,853 $2,757 $2,633 $2,647 $6,293 $7,004 $2,764 $2,727

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Minimum Car Insurance in Cologne, NJ

Every driver must carry the minimum car insurance in Cologne, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Cologne, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Cologne, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cologne, NJ. Compare credit history car insurance rates in Cologne from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Cologne, New Jersey

Insurance Company Poor Fair Good
Allstate $8,793 $5,556 $4,357
Farmers $9,336 $7,155 $6,730
GEICO $4,480 $2,571 $1,860
Liberty Mutual $8,476 $6,285 $5,306
Progressive $4,640 $4,017 $3,683
State Farm $10,129 $6,114 $4,769
Travelers $4,988 $3,652 $2,490

Cheapest Cologne, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cologne, NJ to rates for a clean record with top companies.

Annual Cologne, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,674 $7,795 $6,782 $5,689
Farmers $6,040 $10,125 $8,357 $6,438
GEICO $2,305 $3,038 $4,232 $2,305
Liberty Mutual $6,423 $7,354 $6,555 $6,423
Progressive $3,487 $4,795 $4,055 $4,117
State Farm $3,811 $6,929 $11,135 $6,140
Travelers $2,860 $4,251 $4,079 $3,650

Cheapest Cologne, NJ Car Insurance for Teen Drivers

Teen car insurance in Cologne, NJ can be expensive. Take a look at rates from the top car insurance companies in Cologne for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cologne, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,781 $13,964
Farmers $14,141 $16,152
GEICO $4,399 $4,294
Liberty Mutual $11,425 $12,954
Progressive $9,600 $10,283
State Farm $13,378 $17,175
Travelers $6,293 $7,004

Cheapest Cologne, NJ Car Insurance for Seniors

Take a look at Cologne, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cologne, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,731 $3,731
Farmers $4,932 $4,772
GEICO $2,380 $2,380
Liberty Mutual $4,882 $4,882
Progressive $1,950 $2,034
State Farm $3,706 $3,706
Travelers $2,633 $2,647

Cheapest Cologne, NJ Car Insurance Rates After a DUI

A DUI in Cologne, NJ increases car insurance rates. Compare Cologne, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cologne, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,782
Farmers $8,357
GEICO $4,232
Liberty Mutual $6,555
Progressive $4,055
State Farm $11,135
Travelers $4,079

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Cheapest Cologne, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cologne, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cologne, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,223 $6,247
Farmers $7,740 $7,740
GEICO $2,945 $2,995
Liberty Mutual $6,624 $6,754
Progressive $4,113 $4,113
State Farm $6,824 $7,183
Travelers $3,710 $3,710

The Best Cheap Car Insurance Companies in Cologne, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Cologne, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cologne, New Jersey

Insurance Company Average Annual Rates
Allstate $6,235
Farmers $7,740
GEICO $2,970
Liberty Mutual $6,689
Progressive $4,113
State Farm $7,004
Travelers $3,710

Category Winners: Cheapest Car Insurance in Cologne, New Jersey

Find the cheapest car insurance companies in Cologne, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Cologne, New Jersey

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

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Cheapest Cologne, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cologne car insurance rates. Find the cheapest Cologne, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cologne, New Jersey

Insurance Company Low Medium High
Allstate $5,694 $6,336 $6,675
Farmers $6,855 $7,670 $8,696
GEICO $2,656 $3,025 $3,229
Liberty Mutual $5,981 $6,892 $7,193
Progressive $3,686 $4,176 $4,478
State Farm $6,515 $7,094 $7,401
Travelers $3,429 $3,712 $3,988

What affects car insurance rates in Cologne, New Jersey?

What factors can have an impact on Cologne, NJ car insurance? There are several reasons why Cologne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cologne, New Jersey.

Traffic in Cologne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cologne, NJ traffic data from INRIX ranks Cologne as the 159th-most congested in the world.

Compare Car Insurance Quotes in Cologne, NJ

Ready to find affordable Cologne, New Jersey car insurance today? Enter your ZIP code for fast, free Cologne, NJ car insurance quotes.

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