Best Auto Insurance Rates in Paterson, New Jersey

On average your neighbors pay $105 a month.

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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.

Average Paterson Car Insurance Rates

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.

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 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.

Best Car Insurance Companies in Paterson, NJ

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.

  1. Progressive
  2. GEICO
  3. Allstate
  4. Liberty Mutual
  5. Esurance
  6. Farmers
  7. AAA
  8. State Farm
  9. Nationwide
  10. MetLife

Other popular Paterson, New Jersey car insurance companies: AIG, USAA, Travelers, Mercury, American Family, Country Financial, Hartford, and Safeco.  

Top 10 Vehicles

These are the most common car makes and models owned by Paterson, NJ drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX/DX
  2. Honda Civic EX/LX/DX
  3. Honda CR-V EX
  4. Ford Explorer
  5. Acura MDX
  6. Toyota Corolla
  7. Acura TL
  8. Nissan Altima 2.5/S/SV/SL
  9. Toyota Camry LE
  10. Chrysler Pacifica

Minimum Car Insurance Requirements in Paterson, NJ

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:

  • 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.

Paterson Drivers

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.

Driving Conditions

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.

Road Conditions

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

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.

Traffic Tickets

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.

DWI Case Filings

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.

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 Paterson DWI insurance.

Car Accident Statistics

Passaic County responded to 18,037 car accidents in 2017.

Traffic Fatalities

Passaic County reported 18 traffic fatalities in 2017. All traffic fatalities are tragic, but with an estimated population of 148,678, Paterson is a very safe city to drive in.

Vehicle Theft Rates

The City of Paterson reported 632 motor vehicle thefts in 2016. That’s a theft rate of 4.25 per 1,000 residents—close to double the national average of 2.37 per 1,000.

Car Insurance Discounts

Discounts are one of the best ways to lower your rates. These are some of the auto insurance discounts available to drivers in Paterson, NJ depending on what's offered by your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill. This is the best discount in your auto-savings arsenal. Make sure you ask you agent about bundling your policies!
  2. Get married. Some insurers offer a discount to married drivers
  3. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  6. Drivers in Paterson 55 and older could qualify for either the senior discount or the 55 and retired discount LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.