Compare Paterson, NJ Car Insurance Rates (2021)

The cheapest Paterson, NJ car insurance is offered by GEICO, but rates will vary by driver. Auto insurance in Paterson must meet the state minimum requirements of 15/30/5 in liability coverage and $15,000 in personal injury protection. Compare Paterson, NJ auto insurance rates online to find the best deal for you.

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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: Aug 23, 2021

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Here's what you need to know...

  • GEICO offers the cheapest car insurance on average in Paterson, NJ
  • Paterson car insurance is more expensive than the national average
  • Some Paterson drivers may qualify for the Special Automobile Insurance Policy program if they have Medicaid

Paterson, NJ car insurance is much higher than the national average. It’s not surprising since New Jersey car insurance on average is also more expensive.

However, you can still find affordable Paterson, NJ car insurance if you shop around. Compare rates from multiple companies to find the cheap car insurance that fits your needs.

Monthly Paterson, NJ Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Paterson, NJ auto insurance rates by ZIP Code below:

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Paterson, NJ Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Paterson, NJ against other top US metro areas’ auto insurance costs.

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Enter your ZIP code now to compare Paterson, NJ car insurance quotes for free today.

What is the cheapest car insurance company in Paterson, NJ?

GEICO offers the cheapest car insurance in Paterson on average, although rates will vary by driver.

The cheapest Paterson, NJ car insurance providers can be found below. You also might be wondering, “How do those Paterson, NJ rates compare against the average New Jersey car insurance company rates?” We uncover that too.

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The top Paterson, NJ car insurance companies listed from least to most expensive are:

  • GEICO – $3,909.34
  • Travelers – $6,129.69
  • Progressive – $6,496.94
  • Allstate – $7,531.75
  • Liberty Mutual – $9,817.84
  • State Farm – $11,318.82
  • Farmers – $12,394.50

Car insurance rates are affected by many different factors such as your age, gender, driving record, and credit history. Even the Paterson, NJ weather can affect your rates since icy roads lead to more accidents.

The size of the city can also influence your rates. Larger cities typically see more traffic and theft, causing auto insurance rates to rise. For example, although the cities are near each other, Newark car insurance is much higher than coverage in Paterson.

New Jersey also offers the Special Automobile Insurance Policy (SAIP) which offers extremely low coverage for about a dollar a day. Drivers must meet certain requirements, such as being enrolled in Medicaid, in order to qualify for the SAIP program.

Paterson, New Jersey car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Paterson, NJ car insurance costs. Find the cheapest Paterson, New Jersey car insurance costs by coverage level below:

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Your credit score will play a major role in your Paterson, NJ car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Paterson, New Jersey car insurance costs by credit score below.

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Your driving record will affect your Paterson, NJ car insurance costs. For example, a Paterson, New Jersey DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Paterson, New Jersey car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Paterson, New Jersey car insurance. Factors affecting car insurance rates in Paterson, NJ may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Paterson, NJ car insurance rates. Young drivers are often considered high-risk. This Paterson, New Jersey does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Paterson, NJ.

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What car insurance coverage is required in Paterson, NJ?

New Jersey requires that drivers carry at least a minimum amount of car insurance to drive legally. Paterson drivers must carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage
  • $15,000 in personal injury protection (PIP) coverage

New Jersey is a no-fault state. This means that your car insurance pays for any damages and injuries from an accident no matter who is at fault.

However, you can see that these limits are very low and would easily be exhausted in a serious accident. Drivers should consider increasing these limits and additional coverages.

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What affects car insurance rates in Paterson, NJ?

Traffic can increase your car insurance rates as well since more cars on the road can equal a greater chance of being in an accident.

INRIX doesn’t have data for Paterson, NJ, but ranks nearby New York City, NY as the most congested city in the U.S. and the third most congested city in the world.

City-Data reports that most drivers in Paterson commute about 15 minutes, although a number of drivers commute an hour or more.

Auto theft can also impact your rates. According to the FBI, there were 631 motor vehicle thefts in one year in Peterson.

Paterson, NJ Car Insurance: The Bottom Line

Paterson auto insurance is much more expensive than the state and national averages. However, you can find great rates if you shop around before you buy Paterson, NJ car insurance. Each company will offer a different rate so compare several to find the best deal.

Enter your ZIP code to compare Paterson, NJ car insurance rates from multiple companies near you.

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

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Monthly Paterson, NJ Car Insurance Rates by ZIP Code
Paterson, NJ Car Insurance Rates vs. Top US Metro Car Insurance Rates
Paterson, NJ Car Insurance Rates by Company vs. City Average
Paterson, NJ Car Insurance Rates by Company and Age
The Cheapest Paterson, NJ Car Insurance Rates by Coverage Level
The Cheapest Paterson, NJ Car Insurance Rates by Credit Score
The Cheapest Paterson, NJ Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Paterson, NJ
Average Monthly Car Insurance Rates by Age & Gender in Paterson, NJ
Monthly Paterson, NJ Car Insurance Rates by ZIP Code
Paterson, NJ Car Insurance Rates vs. Top US Metro Car Insurance Rates
Paterson, NJ Car Insurance Rates by Company vs. City Average
Paterson, NJ Car Insurance Rates by Company and Age
The Cheapest Paterson, NJ Car Insurance Rates by Coverage Level
The Cheapest Paterson, NJ Car Insurance Rates by Credit Score
The Cheapest Paterson, NJ Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Paterson, NJ
Average Monthly Car Insurance Rates by Age & Gender in Paterson, NJ