Updated: December 18, 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:
Plymouth Rock offers the most affordable minimum coverage in Paterson at $85 monthly, saving drivers 39% compared to the city average. Selective ranks second at $97 per month, providing 30% savings.
For full coverage, Plymouth Rock remains the cheapest provider at $152 monthly with the same 39% savings, while Selective offers full coverage for $174 per month with 30% savings.
Compare quotes from multiple companies since your ZIP code and driving record strongly influence your final rates.
| 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.
Finding affordable coverage for young drivers in Paterson starts with understanding why rates are so high. Teens and drivers in their early twenties pay the highest premiums due to their lack of driving experience.
Here's how the numbers break down: GEICO leads with the most affordable option at $301 monthly, followed by NJM at $317 per month. Plymouth Rock rounds out the top three at $363 monthly.
Before buying separate coverage, consider staying on a parent's policy, which saves young drivers hundreds of dollars each year. Completing a defensive driving course can reduce your premium by 5% to 15%, making an already tight budget more manageable.
Note: New Jersey teen drivers may have additional coverage and consent requirements. Check state rules or speak with your insurer before adding a minor to a 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.
That $48 gap exists because insurers evaluate specific location risks like local crime rates, traffic patterns and claim frequency. Even moving a few miles across town can strongly affect your premium, so always get quotes using your exact ZIP code rather than assuming citywide averages apply to your situation.
| 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 leads Paterson's car insurance market with a 94 MoneyGeek score. The company combines affordable rates with broad coverage options that perform well across multiple driver profiles.
Amica, Selective, NJM and Travelers round out the top five choices for drivers in Paterson. Each offers competitive pricing and strong customer service, making them solid alternatives worth considering.
| 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 |
On-site mobile claims with instant payment
Comprehensive coverage for high-risk drivers
Full-service valet claim handling
Not available to all drivers due to selectivity
Rate increases reported for long-term customers
Limited natural disaster and specialized equipment coverage
For Paterson drivers looking for a balance of affordability and reliable claims handling, Plymouth Rock remains a strong overall option. It offers some of the lowest rates for drivers with accidents, DUI violations and speeding tickets, paired with services like Crashbusters® mobile appraisals, immediate claim payments and Door to Door Valet Claim Service®.
These tools, combined with New Jersey-specific experience, support faster responses during severe weather and high-claim periods.
Top-rated customer experience with 24/7 support
Swift claims processing and resolution
Heritage discount passes savings to children
Limited bundling discounts compared to other providers
Lacks gap insurance and new car replacement coverage
Amica provides award-winning customer service and 24/7 digital tools that handle claims efficiently during Paterson's hurricane season and winter storms. The company offers identity theft monitoring to address the city's high theft rates, plus accident forgiveness after three years of coverage.
Its dwelling coverage protects against windstorm, hail and snow damage common in the area, while features like no depreciation for total loss provide added value for Paterson drivers navigating heavy traffic conditions.
Paterson drivers know insurance costs can feel overwhelming, but smart shopping strategies make affordable coverage completely achievable.
Combine your auto policy with renters or homeowners insurance for 15% to 25% savings. Add multi-car discounts if you have multiple vehicles (10% to 25% per car). Stack these with good driver and paperless billing discounts to reach 30% to 40% total savings.
Increasing your deductible from $500 to $1,000 usually reduces your annual premium by 10% to 15%. This strategy works best when you have enough emergency savings to cover the higher out-of-pocket cost if you need to file a claim.
Insurance companies regularly adjust their rates based on Paterson's changing risk factors and claims data. Your driving record also improves after three years without incidents, which often qualifies you for better rates with different insurers.
Our Paterson insurance breakdown simplifies complex policies and pricing to help you find affordable 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. 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
