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Cheap Auto Insurance Quotes in Paterson, NJ (June 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Paterson, NJ

The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Paterson, NJ to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Paterson is $383 per month, or $4596 annually.
  • Car insurance in Paterson is $143 more than the average cost of car insurance in New Jersey.
  • The cheapest car insurance provider in Paterson on average is Plymouth Rock, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$110
Travelers
$283
State Farm
$520

Cheapest Car Insurance in Paterson, NJ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in PatersonQuotes
Progressive$110 /mo
Travelers$283 /mo
State Farm$520 /mo

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Average Car Insurance Cost

New Jersey Cities
Newark$317/mo
Jersey City$303/mo
Elizabeth$294/mo
Edison$183/mo
Paterson$304/mo
New Jersey$280/mo
Edison
$183
Average for NJ
$280
Elizabeth
$294
Jersey City
$303
Paterson
$304
Newark
$317
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in New Jersey

All motor vehicles operated or parked on New Jersey roadways are required to be insured with either a basic or standard insurance plan. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Where the basic plan only requires $5,000 per accident of property damage liability insurance, the minimum liability insurance requirements for a standard plan in New Jersey[1] are:

  • $15,000 per person for bodily injury
  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Jersey is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $15,000per person for uninsured underinsured motorist bodily injury
  • $30,000 per accident for uninsured/underinsured motorist bodily injury
  • $5,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

Find local Paterson agents

  • Freeway Insurance Services-Patterson

    758 Main St,
    Paterson, NJ 07503-2640
  • Frank Coscia Agency Inc. 

    215 Union Ave,
    Paterson, NJ 07502-1822
  • Zirpolo Insurance 

    20 Church St,
    Paterson , NJ 07505
  • Preferred Choice Insurance

    482 McBride Ave,
    Paterson, NJ 07501,
  • Chasqui Agency Inc

    436 10th Ave,
    Paterson, NJ 07514
  • 'Veronica''s Insurance Agency'

    693 Market St,
    Paterson, NJ 07513
  • Progressive Insurance

    34 Cianci St,
    Paterson, NJ 07501
  • Preferred Choice Insurance

    482 McBride Ave,
    Paterson, NJ 07501
  • Amana Insurance Agency

    1029 Main St,
    Paterson, NJ 07503
  • Adamas Insurance Brokerage

    125 Broadway #102,
    Paterson, NJ 07505
View more

FAQs - Paterson, NJ Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Paterson Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Paterson, New Jersey below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Paterson drivers measure up to their fellow motorists across New Jersey in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Paterson

#31

City with the Most Speeding Tickets Rank in New Jersey

#53

City with the Most Moving Violations Rank in New Jersey

#14

City with the Most DUIs Rank in New Jersey

#20

City with the Most Suspended Licenses in New Jersey

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Paterson drivers rank 12 in the number of car accidents per driver across all cities in New Jersey.

    • Rank within state: #12
    • Percent of drivers in Paterson with an accident: 8.94%
    • Drivers in Paterson, NJ with an accident in their driving history pay on average 45.16% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Paterson drivers rank 31 in the number of speeding infractions per driver.

    • Rank within state: #31
    • Percent of drivers in Paterson with a speeding ticket: 2.7%
    • Drivers in Paterson, NJ with a speeding ticket in their driving history pay on average 63.05% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Paterson drivers rank 14 in the number of DUI’s per driver across all cities in New Jersey.

    • Rank within state: #14
    • Percent of drivers in Paterson with a DUI: 1.12%
    • Drivers in Paterson, NJ with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Jersey, Paterson drivers rank 8 in rude driving infractions.

    • Rank within state: #8
    • Percent of drivers in Paterson with a reckless driving violation: 1.96%
    • Drivers in Paterson, NJ with a reckless driving violation in their driving history pay on average 56.3% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Paterson drivers rank 4 in clean driving records across all cities in New Jersey.

    • Rank within state: #4
    • Percent of drivers in Paterson with clean record: 87.06%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Paterson drivers rank 6 in failure to yield violations per driver across all cities in New Jersey.

    • Rank within state: #6
    • Percent of drivers in Paterson with a failure to yield violation: 0.37%
    • Drivers in Paterson, NJ with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Jersey, Paterson drivers rank 6 in the number of reckless driving offenses per driver.

    • Rank within state: #6
    • Percent of drivers in Paterson with a reckless driving offense: 0.09%
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Paterson is the Honda Accord.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. New Jersey Department of Banking and Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022