Updated: January 28, 2026
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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 39% 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 Paterson's cheapest minimum coverage at $85 per month, 39% below the city average. Selective ranks second at $97 per month, about 30% less than most local drivers pay.
Plymouth Rock also leads for full coverage at $152 per month (39% below average). Selective's full coverage averages $174 per month, roughly 30% under typical Paterson rates.
Your address and driving history affect your final rate. Compare quotes from multiple insurers to find your best price.
| 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.
Young drivers in Paterson pay high car insurance rates primarily because of their age. Insurers charge more for teens and drivers in their early 20s due to limited driving experience, placing them in the highest premium bracket.
GEICO offers the cheapest rates for young Paterson drivers at $301 per month. NJM averages $317 monthly, and Plymouth Rock comes in third at $363.
Stay on a parent's policy before buying your own — you'll save hundreds per year. Defensive driving courses cut premiums 5% to 15%.
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 $199 and Amica at $206.
Defensive driving courses cut premiums up to 10% for three years. Most insurers offer accident forgiveness to drivers 65 and older, protecting their finances after minor accidents.
| 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, Selective and Plymouth Rock tie for the lowest rates at $97 per month. After an at-fault accident, Plymouth Rock again leads with $115 monthly premium, followed by NJM at $118.
Compare quotes after any violation, as rate differences between companies can be substantial. Violations stay on your driving record for years. Speeding tickets affect rates for three to five years. Serious violations like DUIs impact 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 affects Paterson car insurance rates. Drivers in 07501 pay around $267 monthly for full coverage, while those in 07510 pay $219.
The $48 gap reflects neighborhood-level risk pricing. Nearby accident trends, theft reports, and past claims all influence your rate. Moving even a few blocks can change your rate, so get quotes for your exact ZIP code rather 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 ranks best overall in Paterson with a MoneyGeek score of 95 out of 100. The company offers competitive rates across driver profiles and flexible coverage options.
Amica, Selective, NJM and Travelers offer competitive alternatives with strong customer support and reasonable rates for Paterson drivers.
| 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 suits Paterson drivers seeking 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. The company's strong New Jersey presence helps during heavy storm seasons and high-claim periods.
24/7 customer support with high service ratings
Fast claims processing
Heritage discount extends to children
Limited bundling discounts
No gap insurance or new car replacement
Amica scores high for customer support with 24/7 digital tools that process claims quickly during Paterson's storm season. Identity theft monitoring comes standard, which is valuable protection in high-theft areas.
Accident forgiveness kicks in after three years. Coverage includes wind, hail and snow damage. Amica pays full value on totaled vehicles without depreciation, protecting drivers on Paterson's congested roads.
Paterson car insurance costs run high, but you can cut your premium without reducing coverage.
Combine auto insurance with renters or homeowners coverage to lower costs. Add multiple vehicles for deeper discounts. Stack savings from good driver and paperless billing discounts.
Increase your deductible from $500 to $1,000 to cut premiums 10% to 15% annually. Choose this option only if you have emergency savings to cover the higher out-of-pocket cost at claim time.
Insurers adjust Paterson rates as local risk factors and claims data shift. Three years of clean driving qualifies you for lower rates and better prices from competing companies.
Common questions about car insurance rates and coverage in Paterson:
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 use a weighted score: affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology to see 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.
