Cheapest Car Insurance Quotes in Paterson

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Paterson Car Insurance

^$ 90

/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 Paterson

The car insurance rate in Paterson is $1820 for a six-month policy, which is $582 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 Paterson 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 Paterson

$1820

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Paterson

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: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1372 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1388 for six months, making it the third cheapest auto insurance company in Paterson.

Paterson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paterson, NJ is New Jersey Manufacturers, offering policies at just $1135 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1372.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3030 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paterson drivers find the best deals.

Cheap Car Insurance Companies in Paterson, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1135	$190
New Jersey Skylands Insurance	$1372	$234
NJM	$1388	$234
Plymouth Rock	$1511	$254
Progressive	$1589	$268
Travelers	$1693	$285
Amica Mutual	$1921	$320
Allstate	$1982	$334
State Farm	$2139	$360
Selective	$2261	$381
Farmers	$3030	$506

Key Takeaways

Way's key takeaways about car insurance in Paterson

The auto insurance costs in Paterson fall around $1135 for six months.
The cheapest auto insurance company in Paterson is New Jersey Manufacturers.
Teen drivers pay the highest rate in Paterson at $1538 per month.

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Cheapest Minimum Liability Car Insurance in Paterson

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 Paterson are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Paterson. Their Average 6 Month Premium is $523. Farmers is the most expensive at $1511 for the same period.

Cheapest Liability Coverage in Paterson, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$523	$90
Plymouth Rock	$707	$119
NJM	$725	$122
New Jersey Skylands Insurance	$769	$128
Amica Mutual	$786	$134
Amica	$900	$150
Progressive	$900	$151
Travelers	$926	$156
State Farm	$969	$163
Allstate	$1075	$181
Selective	$1197	$201
Farmers	$1511	$251

Cheapest Full Coverage Car Insurance in Paterson

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 Paterson is New Jersey Manufacturers at $190 per month and $1135 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paterson, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1135	$190
New Jersey Skylands Insurance	$1372	$234
NJM	$1388	$234
Plymouth Rock	$1511	$254
Progressive	$1589	$268
Travelers	$1693	$285
Amica Mutual	$1921	$320
Allstate	$1982	$334
State Farm	$2139	$360
Selective	$2261	$381
Farmers	$3030	$506

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Average Car Insurance in Paterson 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 Paterson, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Paterson, 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, Paterson's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Paterson

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 Paterson,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 Paterson at $134 per month. At $9046 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
NJM	$1571	$265
New Jersey Manufacturers	$2602	$442
Travelers	$3668	$617
Selective	$3973	$669
Plymouth Rock	$4122	$694
Amica Mutual	$4601	$782
Allstate	$4995	$841
Progressive	$5047	$850
State Farm	$5981	$1007
Farmers	$9046	$1538

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 Paterson.

As young drivers face the highest rates in Paterson, 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 Paterson, 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 Paterson is State Farm, offering rates of around $10627 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	$1685	$284
Progressive	$2165	$365
Plymouth Rock	$2236	$376
Farmers	$4016	$684
Selective	$4645	$775
Travelers	$4960	$844
Allstate	$5195	$866
State Farm	$10627	$1807

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Car Insurance Rates with An Accident in Paterson

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 Paterson, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Paterson include New Jersey Skylands Insurance and NJM, offering $926 and $986, respectively. Farmers is an expensive provider with an average six-month premium of $5868.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$926	$154
NJM	$986	$166
New Jersey Manufacturers	$1197	$200
Plymouth Rock	$1248	$210
Amica Mutual	$1485	$250
Progressive	$2087	$351
Selective	$2830	$476
Travelers	$2899	$488
State Farm	$3353	$564
Allstate	$5239	$882
Farmers	$5868	$978

Paterson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paterson NJ. For example, the car insurance in Paterson 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.

Paterson 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 Paterson 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 Paterson.

The cheapest car insurance premiums in Paterson are offered by Plymouth Rock at $1075 for a six-month policy. However, it can be as expensive as $8025 with companies like State Farm.

Paterson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1075	$181
Foremost	$1179	$197
NJM	$1188	$200
Mercury	$1363	$226
New Jersey Manufacturers	$1467	$250
Progressive	$1494	$251
Travelers	$2254	$379
Allstate	$2697	$454
Selective	$3318	$559
Farmers	$3825	$638
Amica Mutual	$7588	$1291
State Farm	$8025	$1351

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 Paterson are offered by Plymouth Rock at $995. However, it can be as expensive as $5135 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Paterson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$995	$168
NJM	$1266	$213
Progressive	$1746	$294
Selective	$2515	$419
State Farm	$2549	$434
Travelers	$2925	$488
Allstate	$4262	$725
Farmers	$5135	$856

Car Insurance Price Trends in Paterson, New Jersey

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

The average cost of full coverage in the Paterson rose by $426 in January compared to $362 of December. In other words, there has been an increase by $64 when you compare January and December.

The average cost of liability insurance in the Paterson rose to $143 in January, compared to $126 in December. This represents an increase of $17 when comparing January and December.

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Average Car Insurance Cost in Paterson by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Paterson. At $2220 for a six-month policy, insuring your car at 7501 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
7501	$2220	$373
7522	$2074	$348
7514	$2038	$342
7503	$2038	$342
7502	$2020	$339
7513	$1965	$330
7524	$1983	$333
7505	$1838	$308
7504	$1947	$327

Frequently Asked Questions

How much is car insurance in Paterson?

The car insurance in Paterson is $90 per month, which is lower than the national average.

What is the cheapest car insurance in Paterson?

The cheapest car insurance in Paterson is $190 per month for full coverage.

How much is car insurance in Paterson 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 Paterson?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $306 per month to insure your car in Paterson.

Is car insurance expensive in Paterson?

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

Cheapest Car Insurance Quotes in Paterson

Why you can trust Way?

How Much Is Car Insurance in Paterson

Avg. Car Insurance in Paterson

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Paterson

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Paterson Car Insurance Rates by Company

Cheap Car Insurance Companies in Paterson, NJ

Way's key takeaways about car insurance in Paterson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Paterson

Cheapest Liability Coverage in Paterson, NJ

Cheapest Full Coverage Car Insurance in Paterson

Cheapest Full Coverage Car Insurance Quotes in Paterson, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Paterson by Rating Factor

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

Car Insurance Premiums by Age in Paterson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Paterson,NJ

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

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 Paterson

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

Paterson Car Insurance Rates by Violation

Paterson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Paterson after a DUI

Paterson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Paterson after Speeding ticket

Car Insurance Price Trends in Paterson, New Jersey

Average Car Insurance Cost in Paterson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Paterson, NJ

Car Insurance Rates by State in the USA (2025 Update)

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