Best Cheap Auto Insurance in Paterson, NJ (2021)

On average, Paterson, NJ auto insurance rates cost $685 per month or $8,228 annually. However, your rates depend on your driving record, age, and coverage needs. The cheapest Paterson, NJ auto insurance comes from GEICO. By law, all Paterson residents must carry the New Jersey state minimum requirements of 15/30/5 in liability coverage plus personal injury protection (PIP).

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Remember

  • On average, Paterson, NJ auto insurance costs $685 per month or $8,228 annually
  • GEICO offers the cheapest rates in your city
  • Higher than average auto theft rates in your city impact your regional insurance premiums

Paterson, New Jersey auto insurance premiums are high compared to the rest of the state. The average Paterson, NJ auto insurance costs $685 per month or $8,228 annually.

Below, compare actual rates from the top providers in Paterson and learn how to secure cheap auto insurance in your city.

Monthly Paterson, NJ Car Insurance Rates by ZIP Code

Check out 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

You might find yourself asking how does my Paterson, NJ stack up against other top metro auto insurance rates? We’ve got your answer below.

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When you’re ready to buy Paterson, NJ auto insurance, enter your ZIP code into our free quote tool above to get started.

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

The cheapest Paterson, NJ auto insurance company is GEICO. However, there are many different factors that affect auto insurance rates, including your age, driving record, and coverage needs.

Which Paterson, NJ auto insurance company has the cheapest rates? And how do those rates compare against the average New Jersey auto insurance company rates? We’ve got the answers below.

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Below, compare the average annual rates for auto coverage in Paterson from the leading insurance companies:

  • 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

To secure affordable Paterson, NJ auto insurance quotes, compare policies from more than one of the providers listed above.

Paterson, NJ auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Paterson auto insurance rates. Find the cheapest Paterson, NJ auto insurance rates by coverage level below:

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

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Your driving record will play a major role in your Paterson auto insurance rates. For example, other factors aside, a Paterson, New Jersey DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Paterson, NJ auto insurance rates by driving record.

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Factors affecting auto insurance rates in Paterson, NJ may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Paterson, New Jersey auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. New Jerson does use gender, so check out the average monthly auto insurance rates by age and gender in Paterson, NJ.

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What auto insurance coverage is required in Paterson, NJ?

All Paterson residents must follow the New Jersey auto insurance laws, including carrying a minimum level of auto insurance coverage.

Currently, all New Jersey drivers are required to purchase at least:

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

New Jersey is a no-fault state, which is why PIP coverage is part of your auto insurance requirements.

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What affects auto insurance rates in Paterson, NJ?

Higher than average auto theft statistics heavily impact your Paterson, NJ auto insurance rates.

However, traffic congestion in your city is minimal, which helps keep insurance premiums down.

The closest city to Paterson on the traffic report from INRIX is Ocean Township, the 80th most congested city in America. But it takes one full hour to drive there from your city.

According to City-Data, the average commute time for Paterson workers is also short, only 24.9 minutes.

However, the Federal Bureau of Investigation (FBI) recorded 631 vehicle thefts in Paterson in 2017. That’s a high rate of 427.2 stolen cars for every 100,000 residents.

Paterson, NJ Auto Insurance: The Bottom Line

Auto insurance in Paterson is high compared to the rest of New Jersey.

However, you can still secure cheap auto insurance by comparing rates online and asking about auto insurance discounts.

Compare Paterson, NJ auto insurance quotes for free by entering your ZIP code into our free rate tool below.

Free Auto Insurance Comparison

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

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