Compare Richland, NJ Car Insurance Rates (2021)

Car insurance in Richland, NJ averages $470 a month. Richland, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Richland car insurance rates, compare quotes from the top car insurance companies in Richland, 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 Richland, NJ are $5,639/year
  • The cheapest car insurance company in Richland for teen drivers is GEICO
  • Average car insurance rates in Richland, NJ after a DUI are $6,651/year

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

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

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

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

How do age, gender, and marital status affect Richland, NJ car insurance rates? Every Richland, 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 Richland, 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 $2,315 $2,272 $2,258 $2,258 $4,192 $4,179 $2,660 $2,588
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 $4,399 $4,399 $3,987 $3,987 $14,451 $18,548 $5,018 $5,603
Travelers $3,291 $3,171 $3,055 $3,069 $7,330 $8,205 $3,176 $3,128

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Minimum Car Insurance in Richland, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,793 $5,556 $4,357
Farmers $9,336 $7,155 $6,730
GEICO $4,280 $2,460 $1,781
Liberty Mutual $8,476 $6,285 $5,306
Progressive $4,640 $4,017 $3,683
State Farm $10,924 $6,588 $5,135
Travelers $5,816 $4,232 $2,860

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

Annual Richland, 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 $2,207 $2,904 $4,042 $2,207
Liberty Mutual $6,423 $7,354 $6,555 $6,423
Progressive $3,487 $4,795 $4,055 $4,117
State Farm $4,101 $7,470 $12,009 $6,617
Travelers $3,300 $4,933 $4,757 $4,221

Cheapest Richland, NJ Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Richland, 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 $4,192 $4,179
Liberty Mutual $11,425 $12,954
Progressive $9,600 $10,283
State Farm $14,451 $18,548
Travelers $7,330 $8,205

Cheapest Richland, NJ Car Insurance for Seniors

Take a look at Richland, 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 Richland, 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 $2,258 $2,258
Liberty Mutual $4,882 $4,882
Progressive $1,950 $2,034
State Farm $3,987 $3,987
Travelers $3,055 $3,069

Cheapest Richland, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,782
Farmers $8,357
GEICO $4,042
Liberty Mutual $6,555
Progressive $4,055
State Farm $12,009
Travelers $4,757

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Cheapest Richland, NJ Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richland, 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 $2,817 $2,864
Liberty Mutual $6,624 $6,754
Progressive $4,113 $4,113
State Farm $7,353 $7,746
Travelers $4,303 $4,303

The Best Cheap Car Insurance Companies in Richland, NJ

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

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

Insurance Company Average Annual Rates
Allstate $6,235
Farmers $7,740
GEICO $2,840
Liberty Mutual $6,689
Progressive $4,113
State Farm $7,549
Travelers $4,303

Category Winners: Cheapest Car Insurance in Richland, New Jersey

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

Best Annual Car Insurance Rates by Company in Richland, 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 Richland, NJ Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,694 $6,336 $6,675
Farmers $6,855 $7,670 $8,696
GEICO $2,542 $2,894 $3,084
Liberty Mutual $5,981 $6,892 $7,193
Progressive $3,686 $4,176 $4,478
State Farm $6,997 $7,651 $8,000
Travelers $3,926 $4,300 $4,682

What affects car insurance rates in Richland, New Jersey?

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

Traffic in Richland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Richland, NJ traffic data from INRIX ranks Richland as the 985th-most congested in the world.

Compare Car Insurance Quotes in Richland, NJ

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

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