On average your neighbors pay $105 a month.See Your Rates
Located approximately 22 miles from New York City, Paterson, New Jersey, sees a lot of activity on its highways from residents and visitors traveling between it and the Big Apple.
Unfortunately, for its residents, both of those things likely play into the fact that car insurance here can be expensive.
How much is car insurance in Paterson, NJ? You already know insurance can be pricey in Paterson. To be more specific, rates here tend to be higher than almost any other city in the US. Granted, New Jersey is the most expensive state in America for car insurance, so Paterson’s situation makes sense. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.
Prices may vary depending on multiple factors including your driving record and the number of claims filed in your zip code.
|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.
QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Paterson, New Jersey and save up to 40% on your premium.
Last year, 1,408 people used QuoteWizard to compare auto insurance quotes in Paterson, NJ from multiple companies to find the cheapest rates.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Paterson, New Jersey last year. Of those 1,408 users, 64 were uninsured when they requested a quote.
Other popular Paterson, New Jersey car insurance companies: AIG, USAA, Travelers, Mercury, American Family, Country Financial, Hartford, and Safeco.
These are the most common car makes and models owned by Paterson, NJ drivers requesting quotes through QuoteWizard last year.
Paterson, 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:
According to Allstate's 2015 “Best Drivers Report,” Paterson ranks 160th out of 200 cities when it comes to safe driving. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 7.4 years.
Factors affecting insurance rates are the weather and road conditions.
Weather conditions can influence driving conditions and affect what you pay for car insurance. Although Paterson residents see many sunny days in an average year—around 210, in fact—they also see many cloudy days. On a related note, the city experiences about 121 days of measurable precipitation annually. Some of that is rain, but a good amount of it is snow. In fact, Paterson averages 31 inches of snow every year.
According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads costs motorists a total of $6.9 billion annually in extra vehicle operating costs. For the curious, that comes to $632 per motorist.
Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.
The Paterson Municipal Court website tells you how you can pay your traffic ticket and provides helpful court information.
Paterson Municipal Court filed 114,028 traffic cases in 2015. That’s almost identical to the 113,659 traffic cases filed in 2014.
Paterson Municipal Court also filed 323 driving while influenced (DWI) cases in 2015. That’s a 25 percent increase from the 259 cases filed in 2014.
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 Paterson DWI insurance.
Passaic County responded to 17,854 car accidents in 2014. That’s a 6 percent decrease from the 18,925 accidents in 2013.
Passaic County reported 27 traffic fatalities in 2013. That’s a 15 percent decrease from the 31 fatalities in 2012.
The City of Paterson reported 742 motor vehicle thefts in 2014. That’s a theft rate of 5.06 per 1,000 residents—more than double the national average of 2.16 per 1,000.
Discounts are one of the best ways to lower your insurance rates. These are some of the auto discounts available to drivers in Paterson, NJ depending on what's offered by your carrier.
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