Cheapest Car Insurance Quotes in Cologne

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Cologne Car Insurance

^$ 61

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cologne

The car insurance rate in Cologne is $1156 for a six-month policy, which is $34 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $795, making it a popular choice for budget-conscious drivers. Rates in Cologne can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cologne

$1156

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Cologne

1st place: New Jersey Manufacturers

At $795 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: NJM

NJM offers auto insurance rates at $949 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $961 for six months, making it the third cheapest auto insurance company in Cologne.

Cologne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cologne, NJ is New Jersey Manufacturers, offering policies at just $795 for a six-month term. This is followed by NJM, which has an average six-month premium of $949.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1046 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cologne drivers find the best deals.

Cheap Car Insurance Companies in Cologne, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$795	$135
NJM	$949	$160
New Jersey Skylands Insurance	$961	$164
Progressive	$972	$164
Plymouth Rock	$1034	$174
Allstate	$1169	$197
Travelers	$1205	$203
State Farm	$1284	$216
Amica Mutual	$1346	$229
Selective	$1401	$234
Farmers	$1707	$290
National General	$1046	$178

Key Takeaways

Way's key takeaways about car insurance in Cologne

The auto insurance costs in Cologne fall around $795 for six months.
The cheapest auto insurance company in Cologne is New Jersey Manufacturers.
Teen drivers pay the highest rate in Cologne at $1087 per month.

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Cheapest Minimum Liability Car Insurance in Cologne

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cologne are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Cologne. Their Average 6 Month Premium is $367. National General is the most expensive at $385 for the same period.

Cheapest Liability Coverage in Cologne, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$367	$61
Plymouth Rock	$459	$77
Progressive	$459	$77
NJM	$495	$83
New Jersey Skylands Insurance	$539	$90
State Farm	$545	$92
Amica Mutual	$551	$92
Travelers	$551	$93
Amica	$630	$105
Selective	$666	$113
Allstate	$685	$115
Farmers	$1107	$188
National General	$385	$66

Cheapest Full Coverage Car Insurance in Cologne

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cologne is New Jersey Manufacturers at $135 per month and $795 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cologne, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$795	$135
NJM	$949	$160
New Jersey Skylands Insurance	$961	$164
Progressive	$972	$164
Plymouth Rock	$1034	$174
Allstate	$1169	$197
Travelers	$1205	$203
State Farm	$1284	$216
Amica Mutual	$1346	$229
Selective	$1401	$234
Farmers	$1707	$290
National General	$1046	$178

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Average Car Insurance in Cologne by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cologne, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Cologne, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cologne's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cologne

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$790
30s	NJM	$614
40s	NJM	$569
50s	NJM	$524
60s	NJM	$483

Cheapest Car Insurance Rates for Teen Drivers in Cologne,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Cologne at $94 per month. At $6393 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$551	$94
Selective	$691	$115
NJM	$1053	$177
New Jersey Manufacturers	$1823	$304
Travelers	$2551	$430
Plymouth Rock	$2735	$460
Allstate	$2741	$461
Progressive	$2986	$503
Amica Mutual	$3224	$548
State Farm	$3536	$595
Farmers	$6393	$1087

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Cologne.

As young drivers face the highest rates in Cologne, NJM offers the cheapest auto insurance rates at $790 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cologne, Amica Mutual is the cheapest car insurance provider. At $673 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cologne is Farmers, offering rates of around $5775 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$673	$114
New Jersey Skylands Insurance	$845	$141
Foremost	$942	$161
NJM	$1138	$192
Progressive	$1151	$194
Plymouth Rock	$1492	$251
Allstate	$2551	$434
Travelers	$3671	$612
State Farm	$5586	$950
Farmers	$5775	$963

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Car Insurance Rates with An Accident in Cologne

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cologne, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cologne

The cheapest car insurance companies after an at-fault accident in Cologne include New Jersey Skylands Insurance and NJM, offering $649 and $666, respectively. National General is an expensive provider with an average six-month premium of $447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$649	$108
NJM	$666	$112
New Jersey Manufacturers	$838	$140
Plymouth Rock	$845	$142
Selective	$972	$162
Amica Mutual	$1040	$175
Progressive	$1297	$218
State Farm	$1983	$334
Travelers	$2092	$352
Allstate	$2918	$491
Farmers	$5267	$878
National General	$447	$74

Cologne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cologne NJ. For example, the car insurance in Cologne after a DUI increases to $1298 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Cologne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1193	$199
One Med/PIP claim	$1199	$204
Not-at-fault accident	$1255	$209
One comp claim	$1267	$215
Two Med/PIP claims	$1273	$212
Speeding 6 - 10 MPH over limit	$1371	$233
Speeding 11 - 15 MPH over limit	$1377	$230
Two comp claims	$1377	$234
Failure to show documents	$1395	$233
At-fault accident - less than $1000	$1413	$240
Failure to wear a seat belt	$1432	$239
Driving too slowly	$1438	$244
Driving without lights	$1444	$241
Child safety restraint	$1469	$249
Driving with expired registration	$1469	$245
Wrong way/wrong lane	$1492	$253
Failure to yield	$1499	$250
Failure to stop at a red light	$1505	$255
Illegal turn	$1530	$255
Cell phone violation	$1548	$264
Texting while driving	$1548	$258
Speeding in school zone	$1573	$268
Operating a vehicle without permission	$1579	$263
Speeding 16 - 20 MPH over limit	$1579	$269
Improper passing	$1615	$269
Following too closely	$1621	$276
Passing school bus	$1688	$281
In 65 MPH zone	$1701	$289
Speeding 21 - 25 MPH over limit	$1756	$293
At-fault accident - $1000-$2000	$1805	$307
At-fault accident - greater than $2000	$1817	$303
Open container	$2031	$345
Reckless driving	$2380	$397
Leaving scene of an accident/hit and run	$2472	$420
DUI	$2491	$415
Refusal to submit to a chemical test	$2491	$423
Racing	$2497	$416
Driving with a suspended license	$2595	$441

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cologne after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cologne.

The cheapest car insurance premiums in Cologne are offered by Plymouth Rock at $728 for a six-month policy. However, it can be as expensive as $5317 with companies like Amica Mutual.

Cologne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$728	$123
NJM	$801	$135
Foremost	$826	$140
Progressive	$930	$157
Mercury	$955	$163
New Jersey Manufacturers	$1028	$171
Selective	$1089	$185
Allstate	$1554	$262
Travelers	$1621	$273
State Farm	$4730	$796
Farmers	$5238	$891
Amica Mutual	$5317	$886

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cologne are offered by Plymouth Rock at $666. However, it can be as expensive as $2410 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cologne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$666	$112
NJM	$845	$142
Progressive	$955	$161
State Farm	$1352	$230
Allstate	$2044	$341
Travelers	$2148	$366
Farmers	$2410	$402

Car Insurance Price Trends in Cologne, New Jersey

Car insurance rates in Cologne have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cologne rose by $253 in December compared to $250 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Cologne rose to $89 in December, compared to $85 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cologne?

The car insurance in Cologne is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Cologne?

The cheapest car insurance in Cologne is $135 per month for full coverage.

How much is car insurance in Cologne for teenagers?

Car insurance for teenagers costs $551 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cologne?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $195 per month to insure your car in Cologne.

Is car insurance expensive in Cologne?

Car insurance can be expensive in Cologne if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cologne can be affordable.

Cheapest Car Insurance Quotes in Cologne

Why you can trust Way?

How Much Is Car Insurance in Cologne

Avg. Car Insurance in Cologne

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Cologne

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Cologne Car Insurance Rates by Company

Cheap Car Insurance Companies in Cologne, NJ

Way's key takeaways about car insurance in Cologne

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cologne

Cheapest Liability Coverage in Cologne, NJ

Cheapest Full Coverage Car Insurance in Cologne

Cheapest Full Coverage Car Insurance Quotes in Cologne, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cologne by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cologne, NJ increasing?

Car Insurance Premiums by Age in Cologne

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cologne,NJ

If you are in your twenties NJM is the best choice for car insurance in Cologne.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cologne

Cheapest Car Insurance Companies after an At-Fault Accident in Cologne

Cologne Car Insurance Rates by Violation

Cologne auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cologne after a DUI

Cologne car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cologne after Speeding ticket

Car Insurance Price Trends in Cologne, New Jersey

Average Car Insurance Cost in Cologne by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cologne, NJ

Car Insurance Rates by State in the USA (2025 Update)

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