Cheapest Car Insurance Quotes in Passaic

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Passaic Car Insurance

^$ 87

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Passaic

The car insurance rate in Passaic is $1649 for a six-month policy, which is $527 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1135, making it a popular choice for budget-conscious drivers. Rates in Passaic can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Passaic

$1649

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Passaic

1st place: New Jersey Manufacturers

At $1135 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: NJM

NJM offers auto insurance rates at $1354 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1372 for six months, making it the third cheapest auto insurance company in Passaic.

Passaic Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Passaic, NJ is New Jersey Manufacturers, offering policies at just $1135 for a six-month term. This is followed by NJM, which has an average six-month premium of $1354.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1494 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Passaic drivers find the best deals.

Cheap Car Insurance Companies in Passaic, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1135	$193
NJM	$1354	$228
New Jersey Skylands Insurance	$1372	$234
Progressive	$1388	$234
Plymouth Rock	$1476	$248
Allstate	$1668	$281
Travelers	$1720	$290
State Farm	$1833	$309
Amica Mutual	$1921	$326
Selective	$1999	$334
Farmers	$2436	$415
National General	$1494	$254

Key Takeaways

Way's key takeaways about car insurance in Passaic

The auto insurance costs in Passaic fall around $1135 for six months.
The cheapest auto insurance company in Passaic is New Jersey Manufacturers.
Teen drivers pay the highest rate in Passaic at $1551 per month.

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Cheapest Minimum Liability Car Insurance in Passaic

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Passaic are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Passaic. Their Average 6 Month Premium is $523. National General is the most expensive at $550 for the same period.

Cheapest Liability Coverage in Passaic, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$523	$87
Plymouth Rock	$656	$110
Progressive	$656	$110
NJM	$707	$119
New Jersey Skylands Insurance	$769	$128
State Farm	$778	$131
Amica Mutual	$786	$131
Travelers	$786	$132
Amica	$900	$150
Selective	$951	$162
Allstate	$978	$165
Farmers	$1580	$269
National General	$550	$94

Cheapest Full Coverage Car Insurance in Passaic

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Passaic is New Jersey Manufacturers at $193 per month and $1135 for six months.

Cheapest Full Coverage Car Insurance Quotes in Passaic, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1135	$193
NJM	$1354	$228
New Jersey Skylands Insurance	$1372	$234
Progressive	$1388	$234
Plymouth Rock	$1476	$248
Allstate	$1668	$281
Travelers	$1720	$290
State Farm	$1833	$309
Amica Mutual	$1921	$326
Selective	$1999	$334
Farmers	$2436	$415
National General	$1494	$254

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Average Car Insurance in Passaic by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Passaic, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Passaic, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Passaic's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Passaic

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$1127
30s	NJM	$876
40s	NJM	$811
50s	NJM	$748
60s	NJM	$689

Cheapest Car Insurance Rates for Teen Drivers in Passaic,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Passaic at $134 per month. At $9124 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$786	$134
Selective	$986	$165
NJM	$1502	$253
New Jersey Manufacturers	$2602	$434
Travelers	$3641	$613
Plymouth Rock	$3903	$657
Allstate	$3912	$659
Progressive	$4262	$717
Amica Mutual	$4601	$782
State Farm	$5047	$850
Farmers	$9124	$1551

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Passaic.

As young drivers face the highest rates in Passaic, NJM offers the cheapest auto insurance rates at $1127 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Passaic, Amica Mutual is the cheapest car insurance provider. At $960 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Passaic is Farmers, offering rates of around $8242 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$960	$163
New Jersey Skylands Insurance	$1205	$201
Foremost	$1345	$229
NJM	$1624	$273
Progressive	$1642	$276
Plymouth Rock	$2130	$359
Allstate	$3641	$619
Travelers	$5239	$873
State Farm	$7972	$1355
Farmers	$8242	$1374

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Car Insurance Rates with An Accident in Passaic

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Passaic, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Passaic

The cheapest car insurance companies after an at-fault accident in Passaic include New Jersey Skylands Insurance and NJM, offering $926 and $951, respectively. National General is an expensive provider with an average six-month premium of $638.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$926	$154
NJM	$951	$160
New Jersey Manufacturers	$1197	$200
Plymouth Rock	$1205	$203
Selective	$1388	$231
Amica Mutual	$1485	$250
Progressive	$1851	$312
State Farm	$2830	$476
Travelers	$2986	$503
Allstate	$4165	$701
Farmers	$7518	$1252
National General	$638	$106

Passaic Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Passaic NJ. For example, the car insurance in Passaic after a DUI increases to $1852 for a six month policy. While the rate increases by $255 for a six-month policy in the case of a speeding ticket.

Passaic auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1702	$284
One Med/PIP claim	$1711	$291
Not-at-fault accident	$1790	$298
One comp claim	$1808	$307
Two Med/PIP claims	$1817	$303
Speeding 6 - 10 MPH over limit	$1957	$332
Speeding 11 - 15 MPH over limit	$1965	$328
Two comp claims	$1965	$334
Failure to show documents	$1990	$332
At-fault accident - less than $1000	$2017	$343
Failure to wear a seat belt	$2043	$341
Driving too slowly	$2052	$348
Driving without lights	$2061	$344
Child safety restraint	$2096	$356
Driving with expired registration	$2096	$350
Wrong way/wrong lane	$2130	$362
Failure to yield	$2139	$357
Failure to stop at a red light	$2148	$365
Illegal turn	$2183	$365
Cell phone violation	$2209	$376
Texting while driving	$2209	$368
Speeding in school zone	$2245	$382
Operating a vehicle without permission	$2254	$375
Speeding 16 - 20 MPH over limit	$2254	$384
Improper passing	$2305	$384
Following too closely	$2314	$394
Passing school bus	$2409	$401
In 65 MPH zone	$2427	$413
Speeding 21 - 25 MPH over limit	$2506	$417
At-fault accident - $1000-$2000	$2575	$438
At-fault accident - greater than $2000	$2593	$432
Open container	$2899	$492
Reckless driving	$3397	$566
Leaving scene of an accident/hit and run	$3528	$600
DUI	$3554	$592
Refusal to submit to a chemical test	$3554	$604
Racing	$3563	$594
Driving with a suspended license	$3703	$629

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Passaic after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Passaic.

The cheapest car insurance premiums in Passaic are offered by Plymouth Rock at $1039 for a six-month policy. However, it can be as expensive as $7588 with companies like Amica Mutual.

Passaic car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1039	$175
NJM	$1144	$193
Foremost	$1179	$200
Progressive	$1327	$223
Mercury	$1363	$232
New Jersey Manufacturers	$1467	$244
Selective	$1554	$265
Allstate	$2218	$373
Travelers	$2314	$390
State Farm	$6750	$1136
Farmers	$7475	$1272
Amica Mutual	$7588	$1264

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Passaic are offered by Plymouth Rock at $951. However, it can be as expensive as $3440 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Passaic after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$951	$160
NJM	$1205	$203
Progressive	$1363	$229
State Farm	$1930	$328
Allstate	$2916	$487
Travelers	$3065	$522
Farmers	$3440	$573

Car Insurance Price Trends in Passaic, New Jersey

Car insurance rates in Passaic have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Passaic rose by $362 in December compared to $357 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Passaic rose to $126 in December, compared to $122 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Passaic?

The car insurance in Passaic is $87 per month, which is lower than the national average.

What is the cheapest car insurance in Passaic?

The cheapest car insurance in Passaic is $193 per month for full coverage.

How much is car insurance in Passaic for teenagers?

Car insurance for teenagers costs $786 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Passaic?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $278 per month to insure your car in Passaic.

Is car insurance expensive in Passaic?

Car insurance can be expensive in Passaic if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Passaic can be affordable.

Cheapest Car Insurance Quotes in Passaic

Why you can trust Way?

How Much Is Car Insurance in Passaic

Avg. Car Insurance in Passaic

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Passaic

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Passaic Car Insurance Rates by Company

Cheap Car Insurance Companies in Passaic, NJ

Way's key takeaways about car insurance in Passaic

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Passaic

Cheapest Liability Coverage in Passaic, NJ

Cheapest Full Coverage Car Insurance in Passaic

Cheapest Full Coverage Car Insurance Quotes in Passaic, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Passaic by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Passaic, NJ increasing?

Car Insurance Premiums by Age in Passaic

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Passaic,NJ

If you are in your twenties NJM is the best choice for car insurance in Passaic.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Passaic

Cheapest Car Insurance Companies after an At-Fault Accident in Passaic

Passaic Car Insurance Rates by Violation

Passaic auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Passaic after a DUI

Passaic car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Passaic after Speeding ticket

Car Insurance Price Trends in Passaic, New Jersey

Average Car Insurance Cost in Passaic by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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