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

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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.
$110
$283
$520
ProgressiveTravelersState Farm

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!

Average Car Insurance Cost

$280
$317
$303
$294
$183
$304
New JerseyNewarkJersey CityElizabethEdisonPaterson
Click here to learn about car insurance quotes and save on your current policy.

Paterson, NJ Driving Facts

new-jersey

Minimum Car Insurance Requirements in NJ

New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:

  • $5,000 of property damage liability per accident

The standard policy liability limits are as follows:

  • $15,000 of bodily injury liability insurance per person, per accident
  • $30,000 of bodily injury liability for multiple injured people per accident
  • $5,000 of property damage liability per accident

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

Insurify Insights: How Paterson Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Paterson, NJ
suspended licenses
#22
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Paterson drivers measure up to their fellow New Jersey motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Paterson

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 paid on average 45.16% more than drivers with a clean record

Speeding in Paterson

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 paid on average 63.05% more than drivers with a clean record

DUI/DWIs in Paterson

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 paid on average --% more than drivers with a clean record

Rude in Paterson

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 paid on average 56.3% more than drivers with a clean record.

Safest Drivers in Paterson

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%

Failure to Yield the Right of Way in Paterson

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 paid on average --% more than drivers with a clean record

Reckless Drivers in Paterson

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%

Most Popular Vehicle in Paterson

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.

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.


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