Compare Columbus, NJ Car Insurance Rates (2021)

Car insurance in Columbus, NJ averages $410 a month. Columbus, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Columbus car insurance rates, compare quotes from the top car insurance companies in Columbus, 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

  • Average car insurance rates in Columbus, NJ after a DUI are $5,784/year
  • The cheapest car insurance company in Columbus is GEICO
  • Average car insurance rates in Columbus, NJ are $4,920/year

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

You’ll find Columbus car insurance rates, the cheapest Columbus, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Columbus, New Jersey car insurance rates to Paterson car insurance rates, Camden car insurance rates, and Union City car insurance rates.

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

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

How do age, gender, and marital status affect Columbus, NJ car insurance rates? Every Columbus, 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 Columbus, 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 $2,886 $2,873 $2,802 $2,802 $9,023 $11,016 $3,391 $3,485
Farmers $4,273 $4,309 $4,164 $4,074 $12,425 $14,281 $5,072 $5,157
GEICO $1,919 $1,888 $1,877 $1,877 $3,461 $3,441 $2,205 $2,140
Liberty Mutual $4,441 $4,441 $4,876 $4,876 $11,465 $13,005 $4,876 $5,592
Progressive $1,843 $1,704 $1,667 $1,719 $8,204 $8,964 $2,171 $2,062
State Farm $3,952 $3,952 $3,579 $3,579 $12,904 $16,564 $4,503 $5,029
Travelers $2,673 $2,622 $2,479 $2,517 $6,152 $7,012 $2,627 $2,626

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Minimum Car Insurance in Columbus, NJ

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

Minimum Required Car Insurance Coverage in Columbus, 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 Columbus, NJ Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $6,652 $4,308 $3,394
Farmers $8,003 $6,254 $5,901
GEICO $3,524 $2,041 $1,488
Liberty Mutual $8,486 $6,292 $5,311
Progressive $3,966 $3,462 $3,197
State Farm $9,770 $5,900 $4,604
Travelers $4,774 $3,535 $2,456

Cheapest Columbus, 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 Columbus, NJ to rates for a clean record with top companies.

Annual Columbus, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,596 $5,954 $5,221 $4,368
Farmers $5,214 $8,824 $7,198 $5,641
GEICO $1,836 $2,403 $3,329 $1,836
Liberty Mutual $6,431 $7,361 $6,563 $6,431
Progressive $3,042 $4,091 $3,484 $3,550
State Farm $3,681 $6,686 $10,739 $5,925
Travelers $2,772 $4,079 $3,949 $3,554

Cheapest Columbus, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,023 $11,016
Farmers $12,425 $14,281
GEICO $3,461 $3,441
Liberty Mutual $11,465 $13,005
Progressive $8,204 $8,964
State Farm $12,904 $16,564
Travelers $6,152 $7,012

Cheapest Columbus, NJ Car Insurance for Seniors

Take a look at Columbus, 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 Columbus, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,802 $2,802
Farmers $4,164 $4,074
GEICO $1,877 $1,877
Liberty Mutual $4,876 $4,876
Progressive $1,667 $1,719
State Farm $3,579 $3,579
Travelers $2,479 $2,517

Cheapest Columbus, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,221
Farmers $7,198
GEICO $3,329
Liberty Mutual $6,563
Progressive $3,484
State Farm $10,739
Travelers $3,949

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Cheapest Columbus, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,776 $4,794
Farmers $6,719 $6,719
GEICO $2,332 $2,370
Liberty Mutual $6,631 $6,761
Progressive $3,542 $3,542
State Farm $6,585 $6,931
Travelers $3,589 $3,589

The Best Cheap Car Insurance Companies in Columbus, NJ

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

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

Insurance Company Average Annual Rates
Allstate $4,785
Farmers $6,719
GEICO $2,351
Liberty Mutual $6,696
Progressive $3,542
State Farm $6,758
Travelers $3,589

Category Winners: Cheapest Car Insurance in Columbus, New Jersey

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

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

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

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Cheapest Columbus, NJ Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,432 $4,852 $5,070
Farmers $6,020 $6,684 $7,453
GEICO $2,101 $2,396 $2,556
Liberty Mutual $5,958 $6,907 $7,224
Progressive $3,198 $3,598 $3,828
State Farm $6,286 $6,845 $7,142
Travelers $3,292 $3,592 $3,882

What affects car insurance rates in Columbus, New Jersey?

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

Traffic in Columbus

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Columbus, NJ traffic data from INRIX ranks Columbus as the 473rd-most congested in the world.

Compare Car Insurance Quotes in Columbus, NJ

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

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