Best Auto Insurance Rates in Paterson, New Jersey

On average your neighbors pay $105 a month.

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Compare Auto Insurance Quotes in Paterson, NJ

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 $1,263.670 per year. The national average annual cost is $866.31. The price you pay depends 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 $881.58
Collision $371.36
Comprehensive $126.26
Total Cost Per Year $1,263.67
Price Per Month $105.30

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 and find the cheapest rates.

Top 10 Vehicles in Paterson

This is our list of the most common car makes and models owned by Paterson 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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Paterson

This is our list of the most common car insurance companies reported by QuoteWizard users living in Paterson 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. 21st Century
  9. Nationwide
  10. MetLife

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

Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

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.

Paterson drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors affecting insurance rates are the weather and road conditions.

Weather

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 17,854 car accidents in 2014. That’s a 6 percent decrease from the 18,925 accidents in 2013.

Traffic Fatalities

Passaic County reported 27 traffic fatalities in 2013. That’s a 15 percent decrease from the 31 fatalities in 2012.

Vehicle Theft Rates

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.

Legal Minimum Insurance Requirements

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.

Save With Car Insurance Discounts

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.

  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 15% of your total bill
  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. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  6. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  7. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  8. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  9. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  10. Shop around and compare low-cost Paterson car insurance quotes

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