Updated: December 30, 2025
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Plymouth Rock: Cheapest across most driver profiles in Paterson. At $85 monthly for minimum coverage and $152 for full coverage, it saves drivers 21% compared to the city average.
Selective: Second cheapest at $97 monthly minimum and $174 full coverage. It offers competitive rates for seniors and drivers with a speeding ticket.
GEICO: Cheapest for young drivers, with average monthly rates of $301 for drivers ages 16 to 25 in Paterson.
Cheapest by Coverage and Driver Profile in Paterson:
In Paterson, Plymouth Rock has the lowest-priced minimum coverage, averaging $85 per month. That puts it well below the citywide average, with drivers paying about 39% less. Selective follows at $97 per month, offering rates that come in roughly 30% lower than what most drivers pay locally.
The pattern holds for full coverage as well. Plymouth Rock leads again at $152 per month, reflecting the same 39% difference from the city average. Selective places second with full coverage averaging $174 per month, or about 30% less than typical Paterson rates.
Rates can shift based on where you live and your driving history, so checking quotes from several insurers helps narrow down the best option for your situation.
| Plymouth Rock Insurance | $85 | $152 | -39% |
| Selective Insurance | $97 | $174 | -30% |
| NJM Insurance | $110 | $176 | -26% |
| Geico | $115 | $243 | -7% |
| Amica | $126 | $224 | -9% |
Not in Paterson? Read more about the cheapest car insurance or the best provider in New Jersey.
High car insurance costs are common for young drivers in Paterson, and age is a big reason why. Insurers charge more for teens and early-twenty-somethings because they have limited time behind the wheel, which puts them in the highest price range.
Among the lowest-cost options, GEICO comes in first at about $301 per month. NJM follows closely with an average rate of $317, while Plymouth Rock lands third at $363 per month. These figures give young drivers a clearer idea of where to start when comparing providers.
Before purchasing a standalone policy, it often makes sense to remain on a parent’s insurance, which can cut yearly costs by hundreds of dollars. Defensive driving courses also help lower premiums, with discounts that usually fall between 5% and 15%, easing the strain on a limited budget.
Note: New Jersey has added rules for teen drivers, including coverage and consent requirements. Review state guidelines or talk with your insurer before adding a minor to an existing policy.
| Geico | $301 | $3,608 | -51% |
| NJM Insurance | $318 | $3,811 | -48% |
| Plymouth Rock Insurance | $363 | $4,357 | -41% |
| Travelers | $448 | $5,372 | -27% |
| Selective Insurance | $455 | $5,465 | -26% |
Looking for affordable car insurance in Paterson? Senior drivers have several money-saving options. Selective leads at $171 monthly for full coverage, followed by Plymouth Rock at $198 and Amica at $206.
Beyond comparing rates, seniors can access large savings through defensive driving courses, which provide up to 10% discounts lasting three years. Most insurers extend accident forgiveness programs to drivers 65 and older, offering added financial protection after minor mishaps.
| Selective Insurance | $171 | $2,049 | -40% |
| Plymouth Rock Insurance | $199 | $2,387 | -30% |
| Amica | $206 | $2,477 | -28% |
| NJM Insurance | $212 | $2,545 | -25% |
| Farmers | $282 | $3,389 | -1% |
Getting a violation doesn't mean you're stuck with sky-high rates forever, though some insurers are more forgiving than others in Paterson. If you're dealing with a DUI, Plymouth Rock offers the most affordable coverage at $101 monthly for minimum protection, while NJM comes in second at $134.
For speeding tickets, both Selective and Plymouth Rock tie for the lowest rates at $97 per month. After an at-fault accident, Plymouth Rock again leads with $114 monthly premiums, followed by NJM at $118.
Comparing quotes becomes crucial after any violation since rate differences can be large between companies. These violations don't disappear quickly from your driving record. Speeding tickets affect your rates for three to five years, while serious violations like DUIs can impact your premiums for up to 10 years.
| At-Fault Accident | Plymouth Rock Insurance | $115 | -52% |
| At-Fault Accident | NJM Insurance | $119 | -51% |
| DUI | Plymouth Rock Insurance | $101 | -66% |
| DUI | NJM Insurance | $134 | -55% |
| Speeding Ticket | Selective Insurance | $97 | -44% |
| Speeding Ticket | Plymouth Rock Insurance | $97 | -44% |
Your ZIP code matters more than you might think when buying car insurance in Paterson. The difference between neighborhoods is notable: drivers in 07501 pay around $267 monthly for full coverage, while those in 07510 pay just $219.
The $48 difference comes from how insurers price risk at the neighborhood level. Factors like nearby accident trends, theft reports, and past claims all factor into the final number. A short move within the same city can change your rate, which is why quotes based on your exact ZIP code give a clearer picture than relying on citywide averages.
| 07501 | $267 |
| 07524 | $267 |
| 07502 | $239 |
| 07504 | $239 |
| 07505 | $239 |
| 07503 | $239 |
| 07513 | $239 |
| 07514 | $239 |
| 07522 | $239 |
| 07510 | $219 |
| 07510 | $219 |
| 07502 | $239 |
| 07503 | $239 |
| 07504 | $239 |
| 07505 | $239 |
| 07513 | $239 |
| 07522 | $239 |
| 07514 | $239 |
| 07524 | $267 |
| 07501 | $267 |
Plymouth Rock holds the top spot in Paterson with a MoneyGeek score of 94. Its pricing stays competitive across different types of drivers, paired with coverage options that meet a wide range of needs.
Amica, Selective, NJM and Travelers also rank among the strongest options in the area. These insurers combine reasonable rates with dependable customer support, giving Paterson drivers several well-rounded choices to compare.
| 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 |
Handles mobile claims on-site with fast payments
Offers coverage that suits drivers with past violations
Manages repairs through a valet-style claims service
Limits availability based on driver eligibility
Some long-term customers report rate increases
Offers fewer add-ons for disasters and custom equipment
Plymouth Rock works well for Paterson drivers who want fair pricing and dependable claims support. The company offers lower rates for drivers with accidents, DUI records or speeding tickets and backs those policies with hands-on claims services.
Tools like Crashbusters® mobile appraisals, quick claim payments and Door to Door Valet Claim Service® shorten repair timelines. Its strong presence in New Jersey also helps during heavy storm seasons and periods of higher claim volume.
24/7 customer support with strong service ratings
Fast claims handling from start to resolution
Heritage discount that extends savings to children
Fewer bundling discounts than some competitors
No gap insurance or new car replacement coverage
Amica earns high marks for customer support, backed by always-available digital tools that keep claims moving during Paterson’s storm seasons. The company also includes identity theft monitoring, which adds value in areas with higher theft activity.
Drivers benefit from accident forgiveness after three years and coverage that addresses wind, hail, and snow damage. Amica also avoids depreciation on total-loss claims, a feature that adds reassurance for drivers dealing with busy local roads.
Car insurance in Paterson can feel expensive at first glance, but there are practical ways to bring costs down without cutting coverage.
You can lower costs by combining auto insurance with renters or homeowners coverage. Adding more than one vehicle often reduces rates further, and stacking those savings with good driver or paperless billing discounts can bring the total down even more.
Raising your deductible from $500 to $1,000 can lower your annual premium by about 10% to 15%. This option works best if you already have emergency savings to cover the higher out-of-pocket cost when you file a claim.
Insurers adjust rates as Paterson’s risk factors and claims data change. A clean driving record over three years can also lead to lower pricing, which may open the door to better rates with other companies.
This Paterson insurance breakdown helps make sense of policy options and pricing so you can find coverage that fits your budget.
Car insurance in Paterson runs about $242 monthly for full coverage. While that's pricey, it's still below the most expensive areas in New Jersey like Elizabethport at $263 per month, and nearly three times higher than affordable spots like Annandale at $82 monthly.
Finding affordable car insurance in Paterson starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and New Jersey’s insurance requirements all shape your premium. Even within city limits, full coverage averages about $219 per month in ZIP code 07510, compared to roughly $267 in ZIP codes like 07501 and 07524.
We partnered with the New Jersey Department of Banking and Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Paterson ZIP code.
Our ratings for the best car insurance in Paterson are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Paterson neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
