Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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In the market for cheap auto insurance in Paterson, NJ? With, you will discover the lowest priced insurance rates close to you. To acquire free car insurance rates from the top rated providers now, input your zip code into the quote box in this article.

Located near an active and scenic waterfall, Paterson was originally founded as the “silk City” due to the cotton and silk mills which once dotted the local countryside and powered the city’s economy. Although Paterson is no longer a textile powerhouse, it has become famous in recent decades for its thriving service industry.

  • Fun fact: well, isn’t this cozy…Paterson is #85 on the list of “Top 100 cities with smallest houses (pop. 50,000+)”. Interested in learning more about Paterson? Click here!

Auto Insurance Coverage Requirements in New Jersey

Driving legally in Paterson requires:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability5,00050,000
Uninsured Motorist Bodily Injury15,000/30,00015,000/30,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

Because insurance is so expensive in New Jersey, it isn’t uncommon for drivers to hit the road illegally without purchasing automotive coverage. That’s why states like New Jersey have to make Uninsured Motorist coverage mandatory – it protects you in the event of an accident with an uninsured driver, or a hit-and-run collision.

Typical New Jersey motorists can expect to pay around $159 per month for the average automotive policy. However, Paterson residents can get it a little cheaper – somewhere around $108/mo* or less – if they know how to navigate the complicated waters of New Jersey auto insurance shopping.

Average Monthly Auto Insurance Premiums Legend: Paterson Allstate Mercury Cal Casualty State Farm Amica 15 30 45 60 75 90 105 120 135 150 $71 $96 $99 $124 $164


Between Allstate and Mercury, there are some really competitive rates in Paterson right now. However, don’t be fooled by a low price. If the company has bad customer service or a difficult claims service, the price could escalate quickly.

Auto insurance providers contemplate many elements when determining quotes, particularly driving experience, accident claims, credit score/rating, years of driving experience, and theft protection devices. Also keep in mind that premiums differ from carrier to carrier. To verify you’re still getting the lowest-cost premium, assess cheap Paterson auto insurance quotes over the internet.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Major Car Insurance Factors in Paterson

There are lots of ways your car insurance rate might be estimated. But not all of it is out of your control; there are actions you can take so that you can influence which discounts you are entitled to acquire. Listed below are a few of these components in greater detail:

Your Zip Code

Your auto insurance rates could vary based on the place you call home. Usually, highly populated cities have increased auto insurance rates as the additional amount of motorists on the road raises the chance of a collision! The total population of Paterson amounts to 145,948 and also the average household earnings are $30,733.

Auto Insurance by Zip Code Legend: Newark Paterson Elizabeth Edison Jersey City Allstate Mercury Cal Casualty State Farm Amica 15 30 45 60 75 90 105 120 135 150 $72 $71 $72 $51 $72 $96 $96 $93 $64 $78 $100 $99 $96 $68 $86 $124 $124 $124 $86 $109 $164 $164 $163 $102 $144


Automotive Accidents

For having a population reaching six digits, the rate of deadly accidents in Paterson is very low. And when the roads in your town are generally safe, most local providers will offer lower rates automatically as a result!

Fatal Accidents in Paterson, NJ Legend: Paterson Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 5 7 2 5 7 2


Auto Thefts in Paterson

Finding inexpensive auto insurance can be difficult if you are at risk for auto theft. Some popular automobile models tend to be popular with thieves, as well as motor vehicles which are parked typically in huge urban centers. The total quantity of stolen automobiles in Paterson was 749 in 2013. Since auto thefts have taken a small upswing in recent years, it might be a good idea to protect your vehicle from theft with Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate Mercury Cal Casualty State Farm Amica 30 60 90 120 150 180 210 240 270 $71 $135 $96 $153 $99 $185 $124 $198 $164 $295


Your Credit Score

Your credit score is one of those elements which you probably don’t think about often, but has a significant influence nonetheless. For those with good or even excellent credit, you can look forward to really low monthly rates. Those with poor credit, however, might face monthly charges which are significantly higher.

Auto Insurance by Credit Store Legend: Excellent Credit Poor Credit Allstate Mercury Cal Casualty State Farm Amica 30 60 90 120 150 180 210 240 270 300 $64 $136 $83 $158 $84 $170 $102 $234 $125 $306


Your Age

Your automotive insurance gradually gets cheaper over time, because your experience behind the wheel ensures that you are less and less likely to get into an accident. But younger drivers and their lack of experience are at a much higher risk. And because they are so risky to insure, they must pay higher monthly premiums. Try asking your agent how good grades and driver’s education courses can help lower your monthly payment.

Auto Policy Age Comparison Legend: 34 Year Old Male 17 Year Old Male Allstate Mercury Cal Casualty State Farm Amica 100 200 300 400 500 600 700 $71 $230 $96 $755 $99 $254 $124 $402 $164 $529


Your Driving Record

Most drivers don’t have a perfect driving record – but that doesn’t necessarily mean that they’re high risk. For this reason, many providers have a relatively new “Accident Forgiveness” discount which can reduce your premium for minor infractions, such as a speeding ticket or a minor accident. As your agent today if you’re eligible.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Mercury Cal Casualty State Farm Amica 100 200 300 400 500 600 700 $71 $84 $98 $117 $96 $143 $138 $167 $99 $143 $324 $195 $124 $209 Do Not Sell $469 $164 $225 $709 $164


Your Vehicle

If you’re driving a relatively popular and economical car, you might not need to splurge on coverage because minor fixes won’t break your bank. However, it’s a different story for luxury vehicles. On top of being expensive to repair, luxury vehicles require more coverage in larger amounts, which explains their higher insurance rates.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Mercury Cal Casualty State Farm Amica 30 60 90 120 150 180 210 240 270 300 $71 $161 $96 $176 $99 $227 $124 $224 $164 $313


Minor Car Insurance Factors in Paterson

Some people are unaware of one or more of the factors above. Yet still more drivers aren’t aware of these factors either:

Your Marital Status

Married couples have the advantage over singles in that they can bundle multiple policies together and get savings discounts. Of course, all of your policies have to be bundled with the same company in order to be eligible first.

Your Gender

Are you afraid you’ll be forced to pay higher rates because you’re female, or because you’re male? Odds are that you won’t have to worry that much. Many providers these days don’t charge different rates based on gender at all. And those who do might only charge 1-2%.

Your Driving Distance to Work

While the typical commute in Paterson usually only lasts between 21-31 minutes, some commutes may be shorter or longer depending on how you choose to get to work. Approximately 57% of residents prefer to drive to work in their own car alone, while nearly 22% would rather carpool. About 8% will take the bus.

Believe it or not, the difference between someone who drives several thousand miles a year for work and a student who lives close to campus rarely differs more than a few percentage points in monthly premiums. The real cost comes from registering your car, truck, or SUV as a business vehicle. Those can cost 10-12% more to insure.

Your Coverage and Deductibles

You can get additional forms of coverage added to your policy, or get covered in larger amounts, and still pay a relatively low rate if you raise your deductible. Just remember to put away part of that savings for a rainy day, in case you do ever have to file a claim.

Education in Paterson, NJ

Around two-fifths of those living in Paterson have not yet completed their high school education, while another 32% have successfully obtained their high school diploma. And speaking of education, did you know that those motorists who also have higher level degrees under their belts pay less on average for their car insurance? It’s true! You’ll save a lot more with a degree than you will trying to get discounts based on your job, or your annual income.

The largest public university located in the city is William Paterson University, which educates more than 11,000 students each year and offers dozens of four-year and higher degrees. For those looking to earn a professional degree in less time, the Passaic County Community College offers associates degrees as well as professional certification. Additionally, the Berkeley College of Business operates a local Garret Mountain campus for associate’s degrees in business-related careers.

Discovering inexpensive automobile insurance could be a headache. There’s lots of information you need to contemplate, and figuring out just how insurance agencies assess your probable risk might be complicated. But don’t allow the wrong insurance provider talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


New Jersey Division of Insurance

New Jersey Office of Public Finance

Department of Highway Safety and Motor Vehicles

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