Paterson, NJ Car Insurance

How much does auto insurance cost in Paterson?


The average cost of car insurance in Paterson, New Jersey, is $2,337 each year. That's more than the average in New Jersey ($1,592) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Paterson.


PATERSON CAR INSURANCE RATES
Paterson Average (annual)New Jersey AverageU.S. Average
$2,337$1,592$1,548

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Paterson auto insurance rates by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Paterson, New Jersey Manufacturers offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Paterson below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


PATERSON AUTO INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
New Jersey Manufacturers$1,746
GEICO$1,942
Travelers$2,301
Allstate$2,391
Palisades$2,665

Consult our expert guide to finding the best cheap car insurance.



Car insurance rates by age bracket in Paterson

Paterson drivers in their age_60s enjoy relatively affordable auto insurance rates, paying just $2,047per year, on average. Drivers in their age_70s pay marginally higher rates — $2,079 per year.

The Paterson drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Paterson is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Paterson is $6,053, the largest such difference between any two age groups.


CAR INSURANCE RATES BY AGE TIER IN PATERSON
Age groupAverage Yearly Rate
Teenagers$9,346
20s$3,293
30s$2,316
40s$2,265
50s$2,162
60s$2,047
70s$2,079

Learn more about how age influences auto insurance rates.



Paterson car insurance premiums by gender and marital status


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Paterson pay $108 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Paterson, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Paterson, female drivers pay $71 per year more than do male drivers.


PATERSON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$2,408
Male$2,337
Single$2,229
Married$2,229
Divorced$2,337
Widowed$2,321

Learn more about the impact gender and marital status have on insurance rates.



Paterson car insurance costs by accident and citation history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Paterson drivers found guilty of reckless driving face insurance rate increases of $1,453 per year, compared to the citywide average. A DUI violation may lead to a $1,816 increase, while a citation for speeding leads to a $940 rate hike.


AVERAGE PATERSON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DUI/DWI$4,153
Reckless Driving$3,790
At-fault Accident (damages < $1,000)$2,932
At-fault Accident (damages greater than $2,000)$3,522
Speeding Ticket (16-20 mph over speed limit)$3,277

Learn more about how citations can raise your auto insurance rates.



Paterson auto insurance premiums by credit score


A driver's credit level can be closely correlated with their auto insurance rates. Paterson drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 70% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Paterson, improving your credit to "Fair" corresponds with a $2,769 decrease in annual car insurance rates.


PATERSON CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$5,913
Fair$3,144
Good$2,337
Very Good$2,067
Exceptional$1,787

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.