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Your driver profile and needs will determine which car insurance company is the cheapest for you. Amica Mutual is the cheapest company for minimum coverage. Plymouth Rock Assurance offers the most affordable full coverage and the cheapest rates for drivers in the military and those with speeding and DUI offenses. NJM is the cheapest option if you have an accident violation, while GEICO offers the lowest rates for teen drivers.

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2023

Cheapest and Best Car Insurance in Paterson, NJ

Cheapest Minimum Liability Car Insurance in Paterson

The cheapest car insurance companies for minimum coverage in Paterson are:

  • Amica Mutual: $488 per year
  • Plymouth Rock Assurance: $582 per year

Hanover is the most expensive option for minimum coverage at $2,588 per year. Although it’s the cheapest option in Paterson, Amica Mutual’s average New Jersey rates are significantly higher at $801 per year, so location can be an important factor in cost. GEICO offers the cheapest car insurance in New Jersey at $478 per year.

Company
Annual Premium
Monthly Premium

Amica Mutual

$414

$35

GEICO

$486

$41

Amica Mutual

$488

$41

NJM

$532

$44

Plymouth Rock Assurance

$546

$46

Plymouth Rock Assurance

$582

$49

Amica Mutual

$583

$49

Plymouth Rock Assurance

$614

$51

GEICO

$618

$52

GEICO

$704

$59

Allstate

$743

$62

NJM

$771

$64

Progressive

$871

$73

NJM

$883

$74

State Farm

$883

$74

Allstate

$891

$74

Progressive

$924

$77

Travelers

$924

$77

NJM

$941

$78

Allstate

$963

$80

Progressive

$1,005

$84

Plymouth Rock Assurance

$1,026

$86

GEICO

$1,065

$89

Travelers

$1,069

$89

Plymouth Rock Assurance

$1,069

$89

Amica Mutual

$1,083

$90

Travelers

$1,142

$95

Mercury

$1,160

$97

Plymouth Rock Assurance

$1,172

$98

State Farm

$1,283

$107

Amica Mutual

$1,287

$107

NJM

$1,292

$108

Allstate

$1,319

$110

New Jersey Skylands Insurance

$1,334

$111

GEICO

$1,347

$112

New Jersey Skylands Insurance

$1,354

$113

New Jersey Skylands Insurance

$1,363

$114

State Farm

$1,424

$119

Progressive

$1,473

$123

Mercury

$1,474

$123

Mercury

$1,476

$123

Travelers

$1,503

$125

State Farm

$1,552

$129

Foremost

$1,558

$130

Amica Mutual

$1,591

$133

NJM

$1,591

$133

Allstate

$1,601

$133

GEICO

$1,602

$134

Progressive

$1,686

$141

Progressive

$1,688

$141

Allstate

$1,782

$149

Travelers

$1,834

$153

Mercury

$1,836

$153

Travelers

$1,900

$158

Foremost

$1,929

$161

State Farm

$1,974

$165

Hanover

$2,084

$174

Foremost

$2,170

$181

Mercury

$2,340

$195

State Farm

$2,413

$201

New Jersey Skylands Insurance

$2,436

$203

New Jersey Skylands Insurance

$2,455

$205

Mercury

$2,513

$209

Hanover

$2,588

$216

New Jersey Skylands Insurance

$2,644

$220

Foremost

$2,839

$237

Hanover

$3,007

$251

Foremost

$3,593

$299

Hanover

$4,021

$335

Foremost

$4,185

$349

Hanover

$5,257

$438

Hanover

$6,202

$517

New Jersey law requires minimum coverage with damage liability and personal injury protection with the following limits:

  • $5,000 property damage liability per accident
  • $15,000 personal injury protection

With this type of policy, your insurer will only cover the cost of damages to a third party’s property to a maximum of $10,000. The insurer will also pay up to $15,000 for injuries sustained by you or others in an accident.

Basic minimum coverage policies in New Jersey do not include bodily injury liability coverage, but you can purchase it separately.

Cheapest Full Coverage Car Insurance in Paterson

The cheapest companies in Paterson for full coverage car insurance are:

  • Plymouth Rock Assurance: $1,069 per year
  • Amica Mutual: $1,287 per year

Hanover is the least affordable company for full coverage at $5,257 per year.

NJM offers the cheapest full coverage car insurance in New Jersey at $911 per year. Plymouth Rock Assurance is the second cheapest at $933 per year. Average rates in New Jersey are more affordable than rates in Paterson, so the location can be an important factor in car insurance costs.

Company
Annual Premium
Monthly Premium

Amica Mutual

$414

$35

GEICO

$486

$41

Amica Mutual

$488

$41

NJM

$532

$44

Plymouth Rock Assurance

$546

$46

Plymouth Rock Assurance

$582

$49

Amica Mutual

$583

$49

Plymouth Rock Assurance

$614

$51

GEICO

$618

$52

GEICO

$704

$59

Allstate

$743

$62

NJM

$771

$64

Progressive

$871

$73

NJM

$883

$74

State Farm

$883

$74

Allstate

$891

$74

Progressive

$924

$77

Travelers

$924

$77

NJM

$941

$78

Allstate

$963

$80

Progressive

$1,005

$84

Plymouth Rock Assurance

$1,026

$86

GEICO

$1,065

$89

Travelers

$1,069

$89

Plymouth Rock Assurance

$1,069

$89

Amica Mutual

$1,083

$90

Travelers

$1,142

$95

Mercury

$1,160

$97

Plymouth Rock Assurance

$1,172

$98

State Farm

$1,283

$107

Amica Mutual

$1,287

$107

NJM

$1,292

$108

Allstate

$1,319

$110

New Jersey Skylands Insurance

$1,334

$111

GEICO

$1,347

$112

New Jersey Skylands Insurance

$1,354

$113

New Jersey Skylands Insurance

$1,363

$114

State Farm

$1,424

$119

Progressive

$1,473

$123

Mercury

$1,474

$123

Mercury

$1,476

$123

Travelers

$1,503

$125

State Farm

$1,552

$129

Foremost

$1,558

$130

Amica Mutual

$1,591

$133

NJM

$1,591

$133

Allstate

$1,601

$133

GEICO

$1,602

$134

Progressive

$1,686

$141

Progressive

$1,688

$141

Allstate

$1,782

$149

Travelers

$1,834

$153

Mercury

$1,836

$153

Travelers

$1,900

$158

Foremost

$1,929

$161

State Farm

$1,974

$165

Hanover

$2,084

$174

Foremost

$2,170

$181

Mercury

$2,340

$195

State Farm

$2,413

$201

New Jersey Skylands Insurance

$2,436

$203

New Jersey Skylands Insurance

$2,455

$205

Mercury

$2,513

$209

Hanover

$2,588

$216

New Jersey Skylands Insurance

$2,644

$220

Foremost

$2,839

$237

Hanover

$3,007

$251

Foremost

$3,593

$299

Hanover

$4,021

$335

Foremost

$4,185

$349

Hanover

$5,257

$438

Hanover

$6,202

$517

Full coverage policies include comprehensive and collision insurance and offer added protection.

  • Collision Insurance: Covers damage to your car from on-road incidents like a collision with another vehicle or object.
  • Comprehensive Insurance: Covers damage to your vehicle from non-collision incidents like theft, vandalism or extreme weather.

If you have an older car, a full coverage policy may not be worth the cost since you may end up paying more in premiums than the actual value of your vehicle.

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Cheapest Car Insurance in Paterson After a Driving Offense

The cheapest companies for car insurance in Paterson if you have a driving violation are:

  • Speeding ticket: Plymouth Rock Assurance ($1,237 per year)
  • At-fault accident: NJM ($1,292 per year)
  • DUI: Plymouth Rock Assurance ($1,237 per year)

The most expensive companies for violations are Hanover at $5,257 after a speeding ticket and $8,346 after a DUI, and Foremost at $8,044 per year after an at-fault accident.

A poor driving record will significantly impact your rates, and even the cheapest rates will still be more expensive than those for drivers with clean records.

Company
Annual Premium
Monthly Premium

GEICO

$486

$41

Amica Mutual

$522

$44

Amica Mutual

$522

$44

NJM

$532

$44

Amica Mutual

$569

$47

Amica Mutual

$569

$47

NJM

$607

$51

NJM

$607

$51

GEICO

$618

$52

Plymouth Rock Assurance

$622

$52

Plymouth Rock Assurance

$622

$52

Amica Mutual

$665

$55

Amica Mutual

$665

$55

Plymouth Rock Assurance

$666

$56

Plymouth Rock Assurance

$666

$56

GEICO

$704

$59

Plymouth Rock Assurance

$705

$59

Plymouth Rock Assurance

$705

$59

Plymouth Rock Assurance

$710

$59

Plymouth Rock Assurance

$764

$64

NJM

$771

$64

GEICO

$778

$65

Plymouth Rock Assurance

$809

$67

GEICO

$877

$73

NJM

$883

$74

State Farm

$883

$74

NJM

$887

$74

NJM

$887

$74

Allstate

$903

$75

NJM

$941

$78

GEICO

$979

$82

NJM

$1,019

$85

NJM

$1,019

$85

Progressive

$1,039

$87

GEICO

$1,065

$89

NJM

$1,074

$90

NJM

$1,074

$90

Allstate

$1,077

$90

Progressive

$1,079

$90

Allstate

$1,081

$90

Progressive

$1,096

$91

Progressive

$1,138

$95

Mercury

$1,160

$97

Allstate

$1,174

$98

Plymouth Rock Assurance

$1,185

$99

Plymouth Rock Assurance

$1,185

$99

Allstate

$1,216

$101

GEICO

$1,230

$103

Plymouth Rock Assurance

$1,237

$103

Plymouth Rock Assurance

$1,237

$103

Progressive

$1,255

$105

GEICO

$1,274

$106

Allstate

$1,281

$107

State Farm

$1,283

$107

NJM

$1,292

$108

Amica Mutual

$1,293

$108

Progressive

$1,306

$109

GEICO

$1,347

$112

Plymouth Rock Assurance

$1,363

$114

Plymouth Rock Assurance

$1,363

$114

Plymouth Rock Assurance

$1,368

$114

Amica Mutual

$1,388

$116

Allstate

$1,397

$116

Travelers

$1,398

$117

GEICO

$1,400

$117

State Farm

$1,424

$119

Amica Mutual

$1,429

$119

Amica Mutual

$1,429

$119

Plymouth Rock Assurance

$1,434

$120

Travelers

$1,443

$120

State Farm

$1,447

$121

Allstate

$1,460

$122

Mercury

$1,474

$123

Mercury

$1,476

$123

Amica Mutual

$1,478

$123

NJM

$1,485

$124

NJM

$1,485

$124

Progressive

$1,511

$126

Amica Mutual

$1,548

$129

Amica Mutual

$1,548

$129

State Farm

$1,552

$129

Progressive

$1,573

$131

Plymouth Rock Assurance

$1,586

$132

Travelers

$1,589

$132

NJM

$1,591

$133

Allstate

$1,595

$133

GEICO

$1,602

$134

Allstate

$1,602

$134

New Jersey Skylands Insurance

$1,623

$135

New Jersey Skylands Insurance

$1,623

$135

Travelers

$1,627

$136

New Jersey Skylands Insurance

$1,647

$137

New Jersey Skylands Insurance

$1,647

$137

New Jersey Skylands Insurance

$1,659

$138

New Jersey Skylands Insurance

$1,659

$138

Travelers

$1,681

$140

Foremost

$1,689

$141

GEICO

$1,727

$144

Travelers

$1,764

$147

Progressive

$1,783

$149

Travelers

$1,817

$151

Mercury

$1,836

$153

Foremost

$1,836

$153

NJM

$1,838

$153

NJM

$1,838

$153

Amica Mutual

$1,853

$154

Amica Mutual

$1,853

$154

Mercury

$1,863

$155

Travelers

$1,870

$156

Progressive

$1,887

$157

Progressive

$1,897

$158

Allstate

$1,898

$158

GEICO

$1,939

$162

Allstate

$1,939

$162

State Farm

$1,974

$165

Progressive

$2,017

$168

Travelers

$2,035

$170

Mercury

$2,080

$173

Hanover

$2,084

$174

Mercury

$2,088

$174

Foremost

$2,093

$174

State Farm

$2,134

$178

Progressive

$2,139

$178

Progressive

$2,144

$179

Allstate

$2,167

$181

Allstate

$2,185

$182

GEICO

$2,231

$186

Foremost

$2,268

$189

Progressive

$2,278

$190

Allstate

$2,279

$190

Mercury

$2,340

$195

Foremost

$2,341

$195

State Farm

$2,344

$195

Travelers

$2,362

$197

State Farm

$2,413

$201

Mercury

$2,513

$209

Mercury

$2,518

$210

Foremost

$2,520

$210

Mercury

$2,523

$210

Allstate

$2,554

$213

Hanover

$2,588

$216

State Farm

$2,593

$216

Travelers

$2,627

$219

Mercury

$2,634

$220

Allstate

$2,644

$220

Progressive

$2,649

$221

Travelers

$2,659

$222

Travelers

$2,675

$223

GEICO

$2,745

$229

Travelers

$2,790

$233

GEICO

$2,849

$237

Progressive

$2,917

$243

Allstate

$2,970

$248

Travelers

$2,976

$248

Hanover

$3,007

$251

New Jersey Skylands Insurance

$3,041

$253

Travelers

$3,041

$253

New Jersey Skylands Insurance

$3,041

$253

Hanover

$3,043

$254

New Jersey Skylands Insurance

$3,060

$255

New Jersey Skylands Insurance

$3,060

$255

Travelers

$3,083

$257

New Jersey Skylands Insurance

$3,086

$257

Mercury

$3,109

$259

New Jersey Skylands Insurance

$3,140

$262

Foremost

$3,154

$263

New Jersey Skylands Insurance

$3,163

$264

Travelers

$3,174

$265

GEICO

$3,198

$267

Progressive

$3,213

$268

State Farm

$3,283

$274

New Jersey Skylands Insurance

$3,319

$277

New Jersey Skylands Insurance

$3,319

$277

Hanover

$3,427

$286

State Farm

$3,433

$286

Mercury

$3,461

$288

Foremost

$3,516

$293

Foremost

$3,610

$301

Mercury

$3,670

$306

Hanover

$3,731

$311

Amica Mutual

$3,858

$322

Foremost

$3,990

$333

Hanover

$4,021

$335

State Farm

$4,033

$336

Mercury

$4,137

$345

Amica Mutual

$4,163

$347

Hanover

$4,189

$349

Hanover

$4,195

$350

Foremost

$4,235

$353

Mercury

$4,300

$358

Mercury

$4,348

$362

Amica Mutual

$4,482

$374

Foremost

$4,545

$379

Foremost

$4,548

$379

Foremost

$4,605

$384

Hanover

$4,713

$393

State Farm

$5,115

$426

Foremost

$5,167

$431

Hanover

$5,257

$438

State Farm

$5,575

$465

New Jersey Skylands Insurance

$5,879

$490

Hanover

$5,879

$490

New Jersey Skylands Insurance

$5,920

$493

Hanover

$6,202

$517

State Farm

$6,246

$521

New Jersey Skylands Insurance

$6,457

$538

Hanover

$6,550

$546

Foremost

$6,636

$553

Hanover

$7,512

$626

State Farm

$7,882

$657

Foremost

$8,044

$670

Hanover

$8,346

$696

Hanover

$8,635

$720

Foremost

$8,831

$736

Hanover

$9,576

$798

State Farm

$9,725

$810

If you are looking for the cheapest car insurance with a bad driving record, keep in mind that rates tend to increase depending on the severity of the offense. For instance, in Paterson, if you have a speeding ticket, you will pay $268 more for car insurance than someone with a clean record, but if you have a DUI, you will pay up to $1,762 more.

Cheapest Car Insurance in Paterson for Teens and Their Families

The cheapest insurance companies in Paterson for teen drivers on a family policy are:

  • GEICO: $2,928 per year for female teens and $3,149 per year for male teens
  • Travelers: $3,717 for female teens and $4,092 per year for male teens

Foremost is the most expensive company for teens at $7,859 per year for female teens and $8,746 for male teens.

GEICO, the cheapest provider, charges $221 more for male teens than female teens because male teens are considered riskier to insure. The gender-based cost difference typically drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,535

$3,968

GEICO

$1,609

$4,158

GEICO

$1,666

$4,307

GEICO

$1,677

$4,903

State Farm

$1,809

$7,131

Travelers

$1,920

$3,960

Travelers

$1,952

$3,922

State Farm

$2,016

$7,945

GEICO

$2,033

$3,771

Travelers

$2,054

$4,238

Travelers

$2,072

$4,565

Travelers

$2,104

$4,340

State Farm

$2,117

$9,564

Travelers

$2,157

$4,335

Allstate

$2,161

$3,689

Allstate

$2,174

$3,672

Travelers

$2,206

$4,899

State Farm

$2,216

$8,735

GEICO

$2,273

$5,062

Travelers

$2,275

$4,571

Progressive

$2,318

$2,800

Travelers

$2,342

$4,955

GEICO

$2,351

$4,361

Travelers

$2,402

$5,313

GEICO

$2,407

$5,237

Allstate

$2,416

$4,437

GEICO

$2,421

$4,491

Allstate

$2,425

$4,139

Progressive

$2,456

$4,494

Allstate

$2,478

$4,229

Allstate

$2,479

$4,651

Progressive

$2,508

$3,041

Progressive

$2,545

$4,609

Allstate

$2,641

$4,926

GEICO

$2,668

$5,335

GEICO

$2,688

$6,805

Allstate

$2,710

$4,578

Progressive

$2,733

$3,301

GEICO

$2,734

$6,087

Allstate

$2,747

$5,172

Allstate

$2,761

$4,664

Travelers

$2,783

$6,806

Travelers

$2,788

$5,899

Travelers

$2,811

$7,103

Travelers

$2,822

$6,244

Progressive

$2,832

$3,434

Progressive

$2,871

$4,139

Travelers

$2,914

$8,070

Progressive

$2,921

$6,076

GEICO

$2,928

$7,194

GEICO

$2,928

$7,194

GEICO

$2,928

$7,194

Progressive

$2,969

$4,217

GEICO

$2,982

$5,963

Progressive

$2,987

$5,466

Progressive

$3,005

$3,629

GEICO

$3,010

$6,760

Progressive

$3,056

$3,705

State Farm

$3,070

$7,787

Travelers

$3,089

$8,721

GEICO

$3,144

$6,972

Progressive

$3,147

$6,599

GEICO

$3,149

$6,987

GEICO

$3,151

$6,987

State Farm

$3,190

$9,976

Allstate

$3,243

$7,377

Progressive

$3,250

$5,884

Allstate

$3,318

$6,226

Progressive

$3,478

$15,715

State Farm

$3,492

$11,671

State Farm

$3,554

$11,113

Travelers

$3,591

$9,943

Allstate

$3,668

$8,437

State Farm

$3,700

$9,384

Travelers

$3,717

$12,862

Progressive

$3,769

$16,922

Allstate

$3,775

$7,107

State Farm

$3,874

$11,713

Travelers

$3,949

$11,148

Travelers

$4,092

$14,793

State Farm

$4,110

$10,424

Allstate

$4,271

$8,193

State Farm

$4,293

$12,399

State Farm

$4,431

$15,180

State Farm

$4,499

$15,625

State Farm

$4,507

$15,442

Allstate

$4,548

$8,724

Progressive

$4,620

$23,360

State Farm

$4,759

$14,915

State Farm

$4,818

$13,915

Allstate

$4,824

$10,841

Allstate

$4,890

$9,354

Progressive

$5,003

$25,114

Progressive

$5,210

$23,537

Allstate

$5,217

$9,980

Allstate

$5,564

$12,594

Foremost

$5,567

$6,606

Progressive

$5,649

$25,366

Foremost

$5,693

$6,755

Foremost

$5,713

$6,779

Foremost

$5,725

$7,031

Foremost

$5,766

$6,702

Foremost

$5,972

$7,357

Foremost

$6,136

$7,131

Foremost

$6,183

$7,633

Foremost

$6,261

$7,277

State Farm

$6,391

$19,442

State Farm

$6,455

$19,637

State Farm

$6,484

$20,101

Foremost

$6,575

$8,140

Foremost

$6,657

$16,184

Foremost

$7,082

$17,216

Foremost

$7,302

$10,201

Foremost

$7,431

$18,123

Foremost

$7,653

$9,427

Foremost

$7,859

$23,915

Foremost

$7,871

$19,195

Foremost

$8,250

$11,573

Foremost

$8,746

$26,666

Foremost

$8,827

$10,929

A family policy is the best option if you are looking for the cheapest car insurance for teens. Teens pay significantly more to purchase an individual policy. In Paterson, an individual teen car insurance policy costs an average of $6,599 per year, at least $2,854 more than adding a teen to an existing family policy.

Cheapest Car Insurance in Paterson for Military Drivers

The cheapest car insurance companies in Paterson for drivers with a military background are:

  • Plymouth Rock Assurance: $1,069 per year
  • Amica Mutual: $1,287 per year

USAA is also a good option for cheap military car insurance since its services cater to those with a military background.

Amica Mutual and Plymouth Rock Assurance are the cheapest options for minimum coverage at $488 per year and $582 per year, respectively.

Company
Annual Premium
Monthly Premium

Amica Mutual

$414

$35

GEICO

$486

$41

Amica Mutual

$488

$41

NJM

$532

$44

Plymouth Rock Assurance

$546

$46

Plymouth Rock Assurance

$582

$49

Amica Mutual

$583

$49

Plymouth Rock Assurance

$614

$51

GEICO

$618

$52

GEICO

$704

$59

Allstate

$743

$62

NJM

$771

$64

Progressive

$871

$73

NJM

$883

$74

State Farm

$883

$74

Allstate

$891

$74

Progressive

$924

$77

Travelers

$924

$77

NJM

$941

$78

Allstate

$963

$80

Progressive

$1,005

$84

Plymouth Rock Assurance

$1,026

$86

GEICO

$1,065

$89

Travelers

$1,069

$89

Plymouth Rock Assurance

$1,069

$89

Amica Mutual

$1,083

$90

Travelers

$1,142

$95

Mercury

$1,160

$97

Plymouth Rock Assurance

$1,172

$98

State Farm

$1,283

$107

Amica Mutual

$1,287

$107

NJM

$1,292

$108

Allstate

$1,319

$110

New Jersey Skylands Insurance

$1,334

$111

GEICO

$1,347

$112

New Jersey Skylands Insurance

$1,354

$113

New Jersey Skylands Insurance

$1,363

$114

State Farm

$1,424

$119

Progressive

$1,473

$123

Mercury

$1,474

$123

Mercury

$1,476

$123

Travelers

$1,503

$125

State Farm

$1,552

$129

Foremost

$1,558

$130

Amica Mutual

$1,591

$133

NJM

$1,591

$133

Allstate

$1,601

$133

GEICO

$1,602

$134

Progressive

$1,686

$141

Progressive

$1,688

$141

Allstate

$1,782

$149

Travelers

$1,834

$153

Mercury

$1,836

$153

Travelers

$1,900

$158

Foremost

$1,929

$161

State Farm

$1,974

$165

Hanover

$2,084

$174

Foremost

$2,170

$181

Mercury

$2,340

$195

State Farm

$2,413

$201

New Jersey Skylands Insurance

$2,436

$203

New Jersey Skylands Insurance

$2,455

$205

Mercury

$2,513

$209

Hanover

$2,588

$216

New Jersey Skylands Insurance

$2,644

$220

Foremost

$2,839

$237

Hanover

$3,007

$251

Foremost

$3,593

$299

Hanover

$4,021

$335

Foremost

$4,185

$349

Hanover

$5,257

$438

Hanover

$6,202

$517

How to Compare Cheap Paterson Car Insurance Quotes Online

Car insurance quotes in Paterson are available online, but you will need to provide a lot of personal information, and the process can take 15 minutes or more. You can use Moneygeek’s car insurance calculator to get a quick estimate based on just your age, driving background, coverage level and type of car.

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Best Car Insurance in Paterson: Summary

The best car insurance provider for you will depend on how you prioritize factors like cost and service coverage.

The best car insurance companies in Paterson, NJ, are:

  • Best overall: Amica Mutual (MoneyGeek score 84 out of 100)
  • Best for service: Amica Mutual (MoneyGeek score 71 out of 100)
  • Best cheap: Amica Mutual (MoneyGeek score 87 out of 100)

A company’s overall Moneygeek score may vary based on how factors are weighted in each category.

Amica Mutual also offers the best car insurance in New Jersey overall, with a Moneygeek score of 85 out of 100.

Best Overall Car Insurance in Paterson

The best car insurance companies in Paterson are:

  • Amica Mutual: MoneyGeek score 84 out of 100 ($1,287 per year)
  • NJM: MoneyGeek score 80 out of 100 ($1,292 per year)

Amica Mutual ranked first for claims experience and second for affordability out of the 12 insurers analyzed. Policyholders enjoy a good balance of coverage at affordable rates and excellent service.

How was this MoneyGeek score calculated?

Amica Mutual

pros

Ranked first for claims experience

Ranked second for affordability

Offers identity theft coverage

cons

No deductible modification coverage

COMPANY HIGHLIGHTS

Amica has a stellar track record in claims and customer service. It is also the second cheapest company for full coverage in Paterson.

Amica offers various add-ons, including glass deductible modification. This coverage pays for windshield or window damage without requiring a deductible payment. You can also opt for identity theft coverage, which will pay you for damages incurred if your identity is stolen and used fraudulently.

If you are leasing or financing your car, you can opt for gap insurance to cover the difference between what you owe on the car and the car’s actual value if the vehicle gets totaled. Drivers with new cars can get new car replacement coverage to ensure that they will receive a new car of the same make and model in case of a total loss.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Car Insurance in Paterson for Customer Service

MoneyGeek excluded cost when scoring providers for the best customer service in Paterson, and the following companies came out on top:

  • Amica Mutual: MoneyGeek score 71 out of 100 ($1,287 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($3,593 per year)

Amica ranked first for claims and second for customer satisfaction out of the 12 companies in the comparison group. Amica also has the second cheapest rates overall in Paterson, so drivers do not have to pay high premiums to get good service with this insurer.

How was this MoneyGeek score calculated?

Amica Mutual

pros

Ranked first for claims experience

Ranked second for customer satisfaction

Offers glass deductible modification

cons

No deductible modification coverage

COMPANY HIGHLIGHTS

If you value good service, Amica Mutual is the best car insurance company in Paterson. Amica ranked first for claims experience and second for customer satisfaction.

The company offers glass deductible modification coverage, eliminating the deductible if your windshield or windows are damaged. Amica will also reimburse you for the fraudulent use of your identity if you opt for their identity theft coverage.

Policyholders can earn or purchase accident forgiveness to keep their premiums from increasing after a claim. You can also opt for gap insurance if you lease or finance your car. Gap insurance pays for the difference between what you still owe on your loan and the car's actual value in case of a total loss.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Cheap Car Insurance in Paterson

Based on an analysis of affordability and service quality for policies that only meet the minimum requirements in New Jersey, the best cheap car insurance companies in Paterson are:

  • Amica Mutual: MoneyGeek score 87 out of 100 ($488 per year)
  • NJM: MoneyGeek score 78 out of 100 ($771 per year)

The cheapest minimum coverage policies have the most affordable rates but provide limited liability protection and don’t cover damages to your vehicle.

How was this MoneyGeek score calculated?

Amica Mutual

pros

Affordable minimum coverage at $488 per year

Bundling, anti-theft system and paperless discounts

Ranked first in affordability and claims experience

cons

No early signing discount

COMPANY HIGHLIGHTS

Amica Mutual is the best cheap car insurance provider for Paterson drivers on a budget. This insurer ranks first for claims and affordability and second for customer satisfaction, meaning policyholders get great service at the lowest rates.

Amica offers various typical discounts, such as discounts for bundling car insurance with home or life policies, insuring multiple cars and maintaining a clean driving record for at least three years. Students who maintain good grades are also eligible for a discount.

Amica also offers less common discounts. If your car has advanced safety features, like electronic stability control or adaptive headlights, you are eligible for a discount. You may also qualify for a discount if you have an anti-theft system or airbags. Amica also offers loyalty discounts for staying with the company for two or more years.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Average Cost of Car Insurance in Paterson

The average cost of car insurance in Paterson is $2,125 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 in property damage liability.

Compared to the average cost of car insurance in New Jersey, rates in Paterson are $225 higher as of October 2022. Drivers in Paterson also pay up to $635 more for car insurance compared to the average national cost of car insurance. Location is one of many factors that affect car insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.