Best Auto Insurance Rates in Passaic, New Jersey

On average your neighbors pay $104 a month.

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Thursday, January 3 2019 By Shantae Young

Passaic may not be well known outside of New Jersey, but it should be. At one point in time, this small-ish city was known as "The Birthplace of Television"—and if Americans love anything, it’s sitting in front of the TV.

It earned that nickname, by the way, because it was home to DeForest Radio Corporation. DeForest was the first TV station to transmit to the home and broadcast a feature film.

We hope television isn’t the only thing Passaic residents are watching. They should keep an eye on their car insurance rates too. After all, insurance policies tend to be pricey in New Jersey.

Average Passaic Car Insurance Rates

How much is car insurance in Passaic, NJ? As many Passaic residents will tell you, rates here are higher than they are in many other US cities. If that surprises you, consider that New Jersey is the most expensive state in America for car insurance. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

Prices vary depending on your driving record and the number of points on your driver's license, limits, coverage, and the number of claims filed in your zip code.

New Jersey Average Annual Car Insurance Rates
Coverage Rates
Liability $869.57
Collision $381.86
Comprehensive $131.35
Total Cost Per Year $1,265.69
Price Per Month $104.72
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New Jersey insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New Jersey car insurance rates increased from $1,186 in 2011 to $1,263 in 2015, a jump of $79, or 6.70 percent.

New Jersey average car insurance rates

QuoteWizard can help you get a good policy at a great price. We do this by connecting consumers with national insurance companies and local agents so they can compare rates. Shopping around can save you up to 40 percent on your premium.

Last year, many people used QuoteWizard to compare auto insurance quotes in Passaic, NJ from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Passaic, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Passaic, New Jersey last year. Only 16 of those users did not have insurance when they requested a quote.

  1. Progressive
  2. GEICO
  3. Allstate
  4. Liberty Mutual
  5. Esurance
  6. 21st Century
  7. State Farm
  8. Farmers
  9. Hartford
  10. Travelers
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles

This is our list of the most common car makes and models owned by Passaic, NJ drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Honda Civic EX/LX/DX
  3. Honda CR-V EX
  4. Toyota Camry LE
  5. Acura MDX
  6. Honda Pilot LX
  7. Ford Expedition
  8. Toyota Corolla VE/CE/LE
  9. Kia Soul
  10. Acura TSX
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Auto Insurance Requirements in Passaic, NJ

Passaic, New Jersey has a minimum coverage requirement known as the 15/30/5 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most an insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total an insurance carrier will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $15,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Passaic drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Much like the rest of New Jersey, Passaic has a warm, humid climate. That means no real dry season and long, hot summers. It also means a lot of sun. In fact, Passaic residents see about 206 days of full or partial sunshine in an average year. They also see around 123 days with measurable precipitation annually. Most of that precipitation is rain, as the city receives an average of 48 inches of it each year. Snow is common with a typical year seeing about 25 inches of it.

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads cost drivers $6.9 billion annually—or $632 per person—in extra vehicle operating costs. 

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.

Traffic Tickets

The Municipal Courts of New Jersey website allows you to pay traffic tickets online and explains how to contest them.

Passaic Municipal Court resolved 51,334 traffic cases in 2015.  That’s an 8 percent increase from the 47,686 traffic cases resolved in 2014. Traffic cases include DWIs, moving violations, and parking violations.

Drunk Driving Cases

The Passaic Municipal Court resolved 322 DWI cases in 2015. This is a 34 percent increase from the 240 cases resolved in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Passaic DWI insurance.

Car Accident Statistics

Passaic County reported 18,037 car accidents in 2017.

Traffic Fatalities

Passaic County reported 18 traffic fatalities in 2017.

Vehicle Theft Rates

Passaic reported 129 motor vehicle thefts in 2016. That’s a theft rate of 1.81 per 1,000 residents, which is well under the national average of 2.37 per 1,000 people. Why does that matter? Vehicle thefts can have a big effect on what you pay for car insurance.

Car Insurance Discounts

If you want to find cheape car insurance, discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Passaic, NJ.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  6. Live in a safe Passaic, NJ zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums

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