Cheapest Car Insurance In Paterson, NJ 2025
Those looking for minimum auto insurance in Paterson will find Plymouth Rock Assurance to be the most affordable at $60 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for budget-friendly car insurance in Paterson, NJ? Be prepared for a wide range of prices.
Plymouth Rock Assurance is the go-to for cheap liability insurance. For those who want full coverage, Plymouth Rock Assurance is usually the most affordable. Young drivers get the best rates from Travelers.
Cheapest Car Insurance Companies In Paterson, NJ 2025
Cheapest Liability-only Car Insurance In Paterson: Plymouth Rock Assurance
At $60 a month on average, Plymouth Rock Assurance is Paterson’s cheapest choice for minimum car insurance.
Use the table to see rate differences between insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Plymouth Rock Assurance | $60 | $720 |
| Allstate | $109 | $1,308 |
| GEICO | $71 | $852 |
| Travelers | $122 | $1,464 |
| NJM | $88 | $1,056 |
Cheapest Full Coverage Insurance Rates In Paterson: Plymouth Rock Assurance
If you want full coverage, Plymouth Rock Assurance offers the cheapest car insurance in Paterson, costing around $116 monthly.
Below, you’ll find a comparison of average car insurance costs from budget insurers in Paterson.
| Provider | Average Monthly Cost | Average Annual Cost |
| Plymouth Rock Assurance | $116 | $1,392 |
| NJM | $133 | $1,596 |
| Allstate | $185 | $2,220 |
| Travelers | $194 | $2,328 |
| GEICO | $141 | $1,692 |
Cheapest Car Insurance Rates For Seniors: New Jersey Manufacturers
The lowest monthly car insurance cost for seniors in Paterson is $98 with New Jersey Manufacturers.
Below you’ll find average rates from the cheapest car insurers serving senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| New Jersey Manufacturers | $98 | $1,176 |
| State Farm | $182 | $2,184 |
| Mercury Insurance Company | $210 | $2,520 |
| Plymouth Rock | $198 | $2,376 |
| Penn National | $192 | $2,304 |
Cheapest Rates In Paterson For Teenagers: New Jersey Manufacturers
Teenagers in Paterson pay the least for car insurance with New Jersey Manufacturers, averaging $196 a month.
Here’s a table showing the companies with the best insurance rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| New Jersey Manufacturers | $196 | $2,352 |
| State Farm | $334 | $4,008 |
| Allstate | $438 | $5,256 |
| Encompass | $477 | $5,724 |
| Penn National | $410 | $4,920 |
Cheapest Auto Insurance For Young Adults in Paterson: Travelers
The lowest insurance rates for young adults in Paterson come from Travelers, costing around $114 a month.
You can find and compare the best cheap auto insurance rates for young adults in Paterson in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $114 | $1,368 |
| New Jersey Manufacturers | $153 | $1,836 |
| State Farm | $232 | $2,784 |
| Erie | $231 | $2,772 |
| New York Central Mutual Fire | $194 | $2,328 |
Cheapest Car Insurance In Paterson For Good Drivers: Plymouth Rock Assurance
Plymouth Rock Assurance leads in affordable car insurance for good drivers in Paterson, averaging $60 per month.
The table below shows average quotes from the best-priced insurance companies for drivers with a good record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Plymouth Rock Assurance | $60 | $720 |
| Allstate | $109 | $1,308 |
| GEICO | $71 | $852 |
| Travelers | $122 | $1,464 |
| NJM | $88 | $1,056 |
Find affordable Paterson rates
Cheapest Car Insurance In Paterson After A Speeding Ticket: Plymouth Rock Assurance
For drivers with speeding tickets in Paterson, Plymouth Rock Assurance offers average monthly rates of $131, which are very affordable.
Look at the table below to compare average insurance rates for drivers with speeding tickets.
| Provider | Average Monthly Cost | Average Annual Cost |
| Plymouth Rock Assurance | $131 | $1,572 |
| Allstate | $229 | $2,748 |
| Progressive | $238 | $2,856 |
| NJM | $158 | $1,896 |
| GEICO | $142 | $1,704 |
Cheapest For Drivers With After At-Fault Accident: New Jersey Manufacturers
If you’ve had an at-fault accident, New Jersey Manufacturers offers the most affordable coverage, with monthly rates averaging $137.
If you were at fault in an accident, these insurers have the most affordable rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| New Jersey Manufacturers | $137 | $1,644 |
| New Jersey Skylands Insurance | $270 | $3,240 |
| GEICO | $204 | $2,448 |
| Plymouth Rock Assurance | $153 | $1,836 |
| Amica Mutual | $247 | $2,964 |
Cheapest Rates In Paterson For Drivers After A DUI: Plymouth Rock Assurance
After a DUI, drivers in Paterson get the cheapest insurance from Plymouth Rock Assurance, with average premiums of $132 a month.
Paterson drivers with a DUI can use the table below to compare affordable insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Plymouth Rock Assurance | $132 | $1,584 |
| NJM | $157 | $1,884 |
| GEICO | $300 | $3,600 |
| Allstate | $268 | $3,216 |
| Progressive | $225 | $2,700 |
Best Car Insurance Companies In Paterson
Looking for cheap insurance in Paterson? Plymouth Rock Assurance leads with $60 a month, while GEICO and NJM follow at $71 and $88.
Listed below are Paterson’s top car insurance companies, ranked by the average rate they charge each month.
| Company | Monthly Premium |
| Plymouth Rock Assurance | $60 |
| Allstate | $109 |
| GEICO | $71 |
| Travelers | $122 |
| NJM | $88 |
| New Jersey Skylands Insurance | $119 |
| Progressive | $140 |
Average Rates In Paterson – By Age
One of the biggest factors in insurance pricing is age. Teens pay more—about $4,171 a year—because they’re seen as more likely to file claims.
If drivers keep their record clean, they typically see their car insurance rates fall after age 25.
Insurance is usually more affordable for drivers in their 50s and early 60s, who are seen as lower-risk due to their driving history.
| Age | Average Yearly Rate |
| Teenagers | $4,171 |
| 20s | $2,882 |
| 30s | $2,447 |
| 40s | $2,116 |
| 50s | $2,136 |
| 60s | $2,061 |
| 70s | $1,558 |
Average Rates In Paterson – By Vehicle
Car insurance rates depend in part on the vehicle itself. Insurers factor in the make, model, year, and body style, with newer and luxury cars typically costing more.
The table below breaks down average insurance rates in Paterson for various vehicle makes and models.
| Vehicle | Average Monthly Rate |
| Nissan Altima | $176 |
| Honda Accord | $120 |
| Mazda 3 | $99 |
| Honda Civic | $118 |
| Toyota Rav4 | $126 |
Average Cost Of Auto Insurance In Paterson – By Zip Code
Where you live, down to your zip code, affects your insurance rates because of varying crime rates in each area.
See the table below for average insurance costs by zip code in Paterson.
| City | Average Monthly Rate |
| 07514 | $230 |
| 07501 | $205 |
| 07522 | $325 |
| 07504 | $208 |
| 07524 | $197 |
How Much Is Car Insurance In Other Cities in New Jersey?
Your city or town plays a key role in your insurance price. Higher rates often happen in urban areas because of increased risks like accidents and vehicle theft.
Insurance premiums average $225 per month in Newark, while Morristown drivers pay about $143 monthly.
| City | Average Monthly Rate |
| Morristown | $143 |
| Elizabeth | $206 |
| Newark | $225 |
| Edison | $145 |
| Jersey City | $190 |
| Clifton | $204 |
| Trenton | $156 |
| Atlantic City | $200 |
| Plainfield | $190 |
| Camden | $205 |
Find affordable Paterson rates
Our Methodology
Drawing on customer service scores, policy options, pricing details, and many online user reviews, I’ve created a detailed overview of car insurance providers in Paterson, NJ.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Paterson?
Plymouth Rock Assurance offers the best rates for minimum car insurance in Paterson, while Plymouth Rock Assurance is the most affordable for full coverage plans.
What is the average cost of car insurance in Paterson?
Expect to pay about $210 per month on average for car insurance in Paterson, with rates varying by zip code, vehicle, and driving history.
