Compare Paterson, NJ Car Insurance Rates (2021)

Car insurance in Paterson, NJ averages $686 a month. Paterson, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Paterson car insurance rates, compare quotes from the top car insurance companies in Paterson, NJ.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Paterson is 7510
  • The cheapest car insurance company in Paterson is GEICO
  • Average car insurance rates in Paterson, NJ are $8,228/year

If you need to buy Paterson, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Paterson, NJ is right here.

You’ll find Paterson car insurance rates, the cheapest Paterson, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Paterson, New Jersey car insurance rates to Jersey City car insurance rates, Bayonne car insurance rates, and Elizabeth car insurance rates.

Ready to find affordable Paterson, NJ car insurance today? Enter your ZIP code for fast, free Paterson car insurance quotes.

Cheapest Paterson, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Paterson, NJ car insurance rates? Every Paterson, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Paterson, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,566 $4,547 $4,452 $4,452 $14,249 $17,095 $5,410 $5,483
Farmers $7,818 $7,887 $7,615 $7,430 $23,093 $26,564 $9,312 $9,437
GEICO $3,174 $3,119 $3,103 $3,103 $5,819 $5,752 $3,665 $3,540
Liberty Mutual $6,457 $6,457 $7,104 $7,104 $16,924 $19,221 $7,104 $8,173
Progressive $3,270 $3,002 $2,932 $3,033 $15,362 $16,802 $3,893 $3,681
State Farm $6,540 $6,540 $5,931 $5,931 $21,788 $27,978 $7,481 $8,360
Travelers $4,680 $4,500 $4,326 $4,342 $10,487 $11,743 $4,518 $4,442

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Minimum Car Insurance in Paterson, NJ

Every driver must carry the minimum car insurance in Paterson, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Paterson, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Paterson, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Paterson, NJ. Compare credit history car insurance rates in Paterson from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Paterson, New Jersey

Insurance Company Poor Fair Good
Allstate $10,612 $6,712 $5,271
Farmers $14,845 $11,503 $10,836
GEICO $5,931 $3,374 $2,423
Liberty Mutual $12,479 $9,216 $7,758
Progressive $7,308 $6,345 $5,837
State Farm $16,424 $9,865 $7,668
Travelers $8,328 $6,023 $4,038

Cheapest Paterson, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Paterson, NJ to rates for a clean record with top companies.

Annual Paterson, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,657 $9,415 $8,178 $6,877
Farmers $9,572 $16,352 $13,303 $10,351
GEICO $3,020 $4,000 $5,598 $3,020
Liberty Mutual $9,423 $10,805 $9,621 $9,423
Progressive $5,541 $7,543 $6,390 $6,514
State Farm $6,104 $11,201 $18,060 $9,911
Travelers $4,675 $7,043 $6,797 $6,003

Cheapest Paterson, NJ Car Insurance for Teen Drivers

Teen car insurance in Paterson, NJ can be expensive. Take a look at rates from the top car insurance companies in Paterson for teenagers.

Annual Car Insurance Rates for Teen Drivers in Paterson, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,249 $17,095
Farmers $23,093 $26,564
GEICO $5,819 $5,752
Liberty Mutual $16,924 $19,221
Progressive $15,362 $16,802
State Farm $21,788 $27,978
Travelers $10,487 $11,743

Cheapest Paterson, NJ Car Insurance for Seniors

Take a look at Paterson, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Paterson, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,452 $4,452
Farmers $7,615 $7,430
GEICO $3,103 $3,103
Liberty Mutual $7,104 $7,104
Progressive $2,932 $3,033
State Farm $5,931 $5,931
Travelers $4,326 $4,342

Cheapest Paterson, NJ Car Insurance Rates After a DUI

A DUI in Paterson, NJ increases car insurance rates. Compare Paterson, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Paterson, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,178
Farmers $13,303
GEICO $5,598
Liberty Mutual $9,621
Progressive $6,390
State Farm $18,060
Travelers $6,797

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Cheapest Paterson, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Paterson, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Paterson, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,518 $7,545
Farmers $12,394 $12,394
GEICO $3,876 $3,943
Liberty Mutual $9,721 $9,914
Progressive $6,497 $6,497
State Farm $11,018 $11,620
Travelers $6,130 $6,130

Cheapest Paterson, NJ Car Insurance Rates by ZIP Code

Paterson car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Paterson, NJ.

Annual Car Insurance Rates by ZIP Code in Paterson, New Jersey

ZIP Code Average Annual Rates
7501 $7,810
7502 $7,810
7503 $7,810
7504 $7,810
7505 $7,810
7510 $7,586
7513 $7,810
7514 $7,810
7522 $7,810
7524 $7,810

The Best Cheap Car Insurance Companies in Paterson, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Paterson, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Paterson, New Jersey

Insurance Company Average Annual Rates
Allstate $7,532
Farmers $12,395
GEICO $3,909
Liberty Mutual $9,818
Progressive $6,497
State Farm $11,319
Travelers $6,130

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Category Winners: Cheapest Car Insurance in Paterson, New Jersey

Find the cheapest car insurance companies in Paterson, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Paterson, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest Paterson, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Paterson car insurance rates. Find the cheapest Paterson, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Paterson, New Jersey

Insurance Company Low Medium High
Allstate $6,893 $7,651 $8,051
Farmers $11,087 $12,317 $13,780
GEICO $3,448 $3,990 $4,290
Liberty Mutual $8,772 $10,117 $10,564
Progressive $5,868 $6,606 $7,017
State Farm $10,454 $11,477 $12,026
Travelers $5,584 $6,123 $6,682

What affects car insurance rates in Paterson, New Jersey?

What factors can have an impact on Paterson, NJ car insurance? There are several reasons why Paterson car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Paterson, New Jersey.

Commute Time in Paterson

The more time you spend in your car the higher the risk of an accident. The average commute length in Paterson, NJ is 24.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Paterson, NJ

Ready to find affordable Paterson, New Jersey car insurance today? Enter your ZIP code for fast, free Paterson, NJ car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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