Car Insurance in Paterson

Plymouth Rock Insurance leads Paterson with minimum coverage priced at $1,020 yearly, which sits 43% below the city's $1,727 average. Full coverage costs $1,820 through Plymouth Rock, compared to Paterson's steep $2,909 average.

Selective Insurance provides the second-best rates with full coverage at $2,090 per year. Amica offers another solid choice for Paterson residents seeking reliable coverage at reasonable prices.

Paterson's high vehicle theft rate, particularly in areas near major highways, means comprehensive coverage becomes essential for most drivers. Companies with experience handling urban New Jersey claims, like Plymouth Rock and Selective, often process Paterson claims more smoothly than national carriers less familiar with the market.

Young drivers face the highest insurance costs in Paterson, paying significantly more than other age groups. GEICO provides young drivers coverage for $1,652 per year.

Adult drivers pay $1,020 annually with Plymouth Rock Insurance, saving $632 compared to young drivers. Senior drivers get competitive rates from Selective Insurance at $1,150 per year, about 13% more than adult premiums.

Paterson's diverse neighborhoods mean driving experience matters significantly for insurance rates. Young drivers navigating the Great Falls area's tourist traffic or Broadway's commercial corridor for the first time present higher risk than longtime residents who understand local driving patterns.

Young drivers in Paterson face some of the highest premiums in New Jersey, but GEICO and NJM offer the lowest rates for drivers ages 16 to 25. GEICO starts at $138 per month, while NJM averages $201. These insurers consistently underprice competitors for young motorists in dense urban areas like Paterson, where claim frequency tends to elevate rates for new drivers.

Adult drivers between 26 and 64 find the cheapest minimum coverage rates with Plymouth Rock, which prices policies roughly 43 percent below the city average. Selective, NJM, GEICO, and Amica also provide competitive options for adults with clean driving records. These insurers tend to rate more favorably in Paterson’s suburban-urban environment, where loss costs are high but stable enough for strong pricing.

Senior drivers in Paterson receive the lowest minimum coverage premiums from Selective, which charges $96 per month. Full coverage averages $171, making the company a reliable choice for older drivers seeking affordable protection. Selective and Amica maintain steady prices for seniors in Paterson, where medical liability and repair expenses often push premiums higher.

High-risk drivers in Paterson, including those with bad credit, DUIs, accidents, or speeding violations, can still find reasonably priced options. GEICO, Plymouth Rock, and Selective offer the lowest premiums depending on the violation. These companies stand out for keeping their high-risk surcharges lower than many insurers that sharply increase prices in response to Paterson’s elevated claim rates.

• Bad credit: GEICO (from $125 per month)
• DUI: Plymouth Rock (from $101 per month)
• Accident: Plymouth Rock (from $115 per month)
• Speeding ticket: Selective (from $97 per month)

Drivers in Paterson with bad credit pay the lowest minimum coverage rates through GEICO, which charges $125 per month. Full coverage is cheapest with Travelers, priced at $274 per month. These companies outperform other carriers in New Jersey’s credit rating environment, where premiums often rise sharply due to higher financial risk associated with credit-challenged drivers.

For drivers with a DUI, Plymouth Rock offers the lowest premiums at $101 per month, followed by NJM at $134. These insurers price well below Paterson’s typical post-DUI premiums, which tend to climb rapidly due to the elevated risk and claim severity associated with impaired driving violations.

Drivers with an at-fault accident can secure the cheapest coverage through Plymouth Rock, which starts at $115 per month. NJM also offers strong pricing at $119 per month. These insurers remain competitive in Paterson’s high-loss environment, where accident surcharges often push rates up significantly among larger national carriers.

For drivers with a speeding ticket, Selective provides the lowest minimum coverage at $97 per month, with Plymouth Rock offering a similar rate. These insurers maintain the most stable post-violation pricing in Paterson, making them strong choices for drivers looking to manage premium increases after a minor infraction.

Plymouth Rock Insurance leads Paterson with an overall score of 94.92 out of 100. The company combines affordable pricing with strong customer service and reliable claims processing.

Amica ranks second with a score of 89, known for excellent customer satisfaction and comprehensive coverage options. Both insurers maintain solid financial stability and low complaint ratios with New Jersey regulators.

Car insurance in Paterson averages $144 per month for minimum coverage and $242 per month for full coverage. These rates rank among the highest in New Jersey, reflecting the city's dense traffic and elevated accident risk.

Plymouth Rock's rate of $85 monthly for minimum coverage shows how much drivers can save by comparing quotes. Your individual premium varies based on driving record, age and coverage selections.

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.

Paterson has some of New Jersey's highest car insurance rates. Here's how to find affordable coverage.

Car insurance rates depend on your driving record, credit and coverage needs. Plymouth Rock and Selective offer Paterson's lowest average premiums. Compare quotes from multiple providers to find your best rate.

We researched the cheapest car insurance options in Paterson. Here are answers to common questions about getting the best rates.

Shopping for car insurance in Paterson can feel complicated because location and driver profile drastically affect your costs. We know you need to see real, competitive local rates. We designed our analysis around local data and common driver profiles to help you find the most reliable financial protection affordably.

Data Collection and Scope

We compiled auto insurance rates by analyzing all ZIP codes in Paterson and gathering hundreds of thousands of quotes. Our research included data from the New Jersey Department of Banking and Insurance and Quadrant Information Services. We studied 12 companies offering auto insurance in New Jersey to tailor options as closely as possible to you.

Defining Our Sample Driver

We used a sample driver profile as a baseline to calculate average car insurance quotes in Paterson. This allows you to clearly see how adjustments to factors like age or driving history impact the final cost.

Our base profile included:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license, currently insured, and no claims history

We adjusted factors like age, driving record, credit score, and military affiliation to find the best insurers for specific driver profiles.

Coverage Levels We Used

We compared the most affordable insurance providers for both minimum and full coverage policies. This gives you the necessary flexibility to choose the appropriate financial protection for your needs.

New Jersey Minimum Coverage

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

Full Coverage

For a full coverage policy, we used the following 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 three core factors to give you a full picture beyond just price.

• Affordability (60%): We evaluated quotes for common driver profiles and compared rates among Paterson insurers.
• Customer experience (30%): We reviewed agency ratings on Google, J.D. Power, AM Best, and Reddit to gauge customer sentiment.
• Coverage options (10%): This score reflects the range and uniqueness of coverage options and included benefits each insurer offers.