Plymouth Rock Insurance offers the lowest car insurance rates in Paterson with annual premiums of $1,020 for minimum coverage and $1,820 for full coverage. Other affordable insurance providers in the city include Selective Insurance, NJM Insurance and Amica.
Car Insurance in Paterson
Updated: September 3, 2025
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Key Takeaways
Paterson's cheapest car insurance companies are Plymouth Rock Insurance, Selective Insurance and NJM Insurance, with rates up to 39% lower than the city average.
Monthly car insurance costs in Paterson average $242 for full coverage and $144 for minimum coverage.
To find the best cheap auto insurance in Paterson, compare quotes from multiple sources and choose coverage that fits your needs.
Who Has the Cheapest Car Insurance in Paterson?
| Plymouth Rock Insurance | $85 | $152 | -39% |
| Selective Insurance | $97 | $174 | -30% |
| NJM Insurance | $110 | $176 | -26% |
| Amica | $126 | $224 | -9% |
| Geico | $115 | $243 | -7% |
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Compare the Cheapest Paterson Car Insurance for You
Your car insurance rates depend on your driving history and personal details, so your actual costs may be different from the city average. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| NJM Insurance | $166 | $1,996 | -57% |
| Plymouth Rock Insurance | $202 | $2,418 | -48% |
| Amica | $271 | $3,247 | -30% |
| Selective Insurance | $290 | $3,480 | -25% |
| Geico | $307 | $3,679 | -20% |
Cheapest Car Insurance by Age Group in Paterson
Car insurance rates vary significantly by age, so we've analyzed prices for three key age groups in Paterson. Here's what we found:
- Cheapest car insurance for young drivers (16 to 25): Geico at $138 per month
- Cheapest car insurance for adults (26 to 64): Plymouth Rock at $85 per month
- Cheapest car insurance for seniors (65+): Selective at $96 per month
Cheapest Car Insurance for Young Drivers in Paterson
In Paterson, Geico and NMJ provide the most affordable car insurance for drivers aged 16 to 25, with monthly premiums starting at $138 and $201, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $138 | $1,652 | -62% |
| NJM Insurance | $201 | $2,411 | -44% |
| Plymouth Rock Insurance | $204 | $2,444 | -43% |
| Selective Insurance | $258 | $3,100 | -28% |
| Amica | $267 | $3,209 | -26% |
Cheapest Car Insurance for Adult Drivers in Paterson
In Paterson, Plymouth Rock provides the lowest rates for adult drivers (26 to 64), saving policyholders around 43% on average. Drivers can find affordable coverage through another Geico plan option or Amica as well.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Plymouth Rock Insurance | $85 | $1,020 | -43% |
| Selective Insurance | $97 | $1,161 | -35% |
| NJM Insurance | $110 | $1,320 | -26% |
| Geico | $115 | $1,384 | -22% |
| Amica | $126 | $1,509 | -16% |
Cheapest Car Insurance for Senior Drivers in Paterson
For Paterson seniors aged 65 and up, Selective offers the lowest rates for mnimum coverage at $96 per month, while full coverage runs $171 per month.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Selective Insurance | $96 | $1,150 | -45% |
| Amica | $115 | $1,386 | -34% |
| Plymouth Rock Insurance | $117 | $1,401 | -33% |
| NJM Insurance | $139 | $1,668 | -21% |
| Geico | $157 | $1,889 | -10% |
Cheapest Car Insurance for High-Risk Drivers in Paterson
These insurance companies offer the cheapest rates for high-risk drivers in Paterson:
- Cheapest for Bad Credit: Geico (from $125 per month)
- Cheapest With a DUI: Plymouth Rock (from $101 per month)
- Cheapest With an Accident: Plymouth Rock (from $115 per month)
- Cheapest With a Speeding Ticket: Selective (from $97 per month)
Cheapest Car Insurance for Bad Credit in Paterson
In Paterson, the cheapest monthly premium for bad credit drivers is $125 for minimum coverage from GEICO and $274 for full coverage from Travelers. These rates apply to drivers with poor credit and clean driving records.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $125 | $1,501 | -36% |
| Travelers | $146 | $1,754 | -26% |
| AIG | $153 | $1,834 | -22% |
| Mercury Insurance | $175 | $2,100 | -11% |
| NJM Insurance | $177 | $2,127 | -10% |
Cheapest Car Insurance With a DUI in Paterson
Plymouth Rock and NJM offer the most affordable car insurance rates in Paterson for drivers with a DUI., with monthly rates of $101 and $134.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Plymouth Rock Insurance | $101 | $1,212 | -66% |
| NJM Insurance | $134 | $1,613 | -55% |
| Geico | $163 | $1,955 | -45% |
| Selective Insurance | $188 | $2,252 | -37% |
| Progressive | $196 | $2,350 | -34% |
Cheapest Car Insurance With an Accident in Paterson
Drivers in Paterson with an accident record can find the lowest rates with Plymouth Rock, which offers minimum coverage at $116 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Plymouth Rock Insurance | $115 | $1,375 | -52% |
| NJM Insurance | $119 | $1,427 | -51% |
| Geico | $142 | $1,700 | -41% |
| Amica | $151 | $1,816 | -37% |
| Selective Insurance | $168 | $2,014 | -30% |
Cheapest Car Insurance With a Speeding Ticket in Paterson
For Paterson drivers with a speeding ticket, Selective provides the most affordable insurance options. Their minimum liability coverage costs about $97 per month, while full coverage with higher limits runs around $174 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Selective Insurance | $97 | $1,161 | -44% |
| Plymouth Rock Insurance | $97 | $1,164 | -44% |
| Geico | $115 | $1,384 | -33% |
| NJM Insurance | $134 | $1,613 | -22% |
| Amica | $151 | $1,816 | -12% |
Best Car Insurance Companies in Paterson
For Paterson drivers, the top car insurance companies are Plymouth Rock Insurance, Amica, Selective Insurance, NJM Insurance and Travelers. These insurers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Plymouth Rock Insurance | 95 | 1 | 3 | 1 |
| Amica | 89 | 4 | 1 | 6 |
| Selective Insurance | 88 | 2 | 10 | 2 |
| NJM Insurance | 87 | 3 | 4 | 7 |
| Travelers | 85 | 7 | 2 | 5 |
Plymouth Rock: Best Cheap Overall
pros
Best rates for most drivers
Largest add-on coverage selection and the most standard inclusions
3rd best customer experience in Paterson
cons
Lower J.D. Power customer satisfaction ratings
COMPANY HIGHLIGHTS
While Plymouth Rock doesn't have the best customer service and Paterson, they make up for it with their superior affordability and coverage add-ons/inclusions. On average, most drivers will save 39% on coverage and unique inclusions like valet claims service which has Plymouth Rock claim agents come to the site of accidents and file claims for you. Their add-on endorsements also allow their customers to have the widest selection of add-ons at their disposal for practically all coverage needs.
Amica: Best Customer Experience
pros
Best customer experience overall in Paterson, NJ
Very affordable for those with speeding tickets or an accident record
Good add-on coverage selection
cons
Not affordable for those with bad credit or a DUI
COMPANY HIGHLIGHTS
Amica is our pick for the best customer service in Paterson and they earned the title for the 2nd best overall for claims satisfaction and 3rd best overall for overall customer satisfaction according to J.D. Power. In addition, they are one of the most affordable options for those with speeding tickets or accident records. Uniquely, Amica also has rideshare coverage and auto glass coverage add-ons which is not offered by many providers.
How Much Is Car Insurance in Paterson?
In Paterson, minimum coverage costs about $144 per month or $1,727 per year, ranking 572nd out of all New Jersey cities for affordability. Full coverage averages $242 monthly or $2,909 annually, ranking 538th among Garden State cities.
| Full Coverage | $242 | $2,909 |
| Minimum Coverage | $144 | $1,727 |
Compare Personalized Paterson Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, filter this table's average Paterson car insurance rates by age, driving record and other personal factors that match your situation.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $358 | $4,293 | 45% |
Paterson Car Insurance Costs by ZIP Code
In Paterson, car insurance rates by ZIP code range from $129 to $267 per month. ZIP code 07501 is the most expensive, while 07510 is the cheapest. Check the average rates for your ZIP code below.
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Zip Code:07501
| 07501 | $164 | $267 |
How to Get the Best Cheap Paterson Car Insurance
With Paterson drivers facing some of New Jersey's highest car insurance rates, our step-by-step guide shows you exactly how to find affordable coverage that meets your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your Paterson commute. Consider your car's value, your savings and local traffic patterns. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
- 2
Explore different insurance types
Look into various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best option.
- 3
Know what others pay
Research average vehicle insurance costs in Paterson to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Knowing local rates gives you leverage when negotiating with insurance providers.
- 4
Stack up available discounts
Maximize your savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can also reduce your premium significantly.
- 5
Check company reliability
Research insurance companies' financial strength and customer service ratings. Look for providers with strong records of paying claims promptly and fairly. Read recent customer reviews from Paterson residents to understand local service quality and claims experience.
- 6
Get and compare multiple quotes
Request quotes from at least three different insurance companies. Use a mix of local agents, online tools and direct provider websites.
- 7
Review your policy yearly
Changes in your driving habits, vehicle value or personal circumstances can affect your insurance needs. Regular reviews ensure you maintain the best combination of coverage and cost.
Cheapest Car Insurance in Paterson: Bottom Line
Car insurance rates depend on your driving record, credit and coverage needs. In Paterson, Plymouth Rock Insurance and Selective Insurance offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.
Cheap Paterson Car Insurance: FAQ
We've researched the cheapest car insurance options in Paterson to help you find affordable coverage that fits your needs. Below, you'll find clear answers to common questions about getting the best rates while maintaining proper protection.
What is the cheapest car insurance company in Paterson, New Jersey?
Plymouth Rock Insurance offers the lowest rates in Paterson, with average annual premiums of $1,020 for minimum coverage and $1,820 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Paterson?
Plymouth Rock Insurance leads Paterson's car insurance providers with a MoneyGeek score of 95 out of 100, scoring six points higher than Amica. They excel in both affordable rates and quality service.
What is the average cost of car insurance in Paterson?
In Paterson, full coverage car insurance costs $2,909 annually, while minimum coverage averages $1,727. Your actual rates will vary based on individual factors.
Is car insurance in Paterson expensive?
Car insurance in Paterson is more expensive than average, ranking 572nd for minimum coverage affordability and 538th for full coverage compared to other New Jersey cities.
How We Chose the Best and Cheapest Car Insurance in Paterson, NJ
To help Paterson drivers find the most affordable auto insurance companies, MoneyGeek analyzed Paterson auto insurance rates based on data and information from the New Jersey Department of Banking and Insurance and Quadrant Information Services. We studied all ZIP codes in Paterson and hundreds of thousands of quotes for 12 companies offering auto insurance in New Jersey to tailor options as closely as possible to you.
Paterson Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Paterson with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Paterson
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in New Jersey are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Paterson based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
