Car Insurance Cost in Paterson, NJ – 2025 Rates & Cheapest to Insure

Is car insurance expensive in Paterson, NJ? We break down average insurance rates and reveal the models with the cheapest insurance rates by segment.

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  • Paterson car insurance averages $3,158 per year, or $263 as a monthly expense.
  • For cheap auto insurance in Paterson, New Jersey, compact crossovers and SUVs like the Ford Bronco Sport, Mazda CX-5, Toyota Corolla Cross, and Subaru Crosstrek rank well for overall car insurance cost.
  • Vehicles with the lowest cost car insurance in Paterson in their segment include the Chevrolet Colorado, Acura Integra, Kia K5, Subaru Crosstrek, and Honda Passport.

How much does Paterson car insurance cost?

In Paterson, the average car insurance expense is $3,158 per year, which is 34.8% more than the overall national average rate of $2,221. Per month, Paterson car insurance costs approximately $263 for full coverage.

In the state of New Jersey, the average cost to insure a vehicle is $2,844 per year, so the cost in Paterson averages $314 more per year. The average cost to insure a vehicle in Paterson compared to other New Jersey locations is around $476 per year more expensive than in Trenton, $70 per year cheaper than in Newark, and $52 per year more expensive than in Elizabeth.

The age of the rated driver is one of the biggest determining factors on the price you pay for car insurance. The list below illustrates this by showing the difference in average car insurance rates for drivers from 16 to 60.

Average cost of car insurance in Paterson for drivers age 16 to 60

  • 16 year old – $11,244 per year or $937 per month
  • 17 year old – $10,895 per year or $908 per month
  • 18 year old – $9,763 per year or $814 per month
  • 19 year old – $8,891 per year or $741 per month
  • 20 year old – $6,352 per year or $529 per month
  • 30 year old – $3,370 per year or $281 per month
  • 40 year old – $3,158 per year or $263 per month
  • 50 year old – $2,798 per year or $233 per month
  • 60 year old – $2,622 per year or $219 per month

The next chart summarizes average car insurance cost in Paterson, New Jersey, broken out based on a wide range of driver ages, policy deductibles, and driver risk scenarios. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.

Average car insurance rates in Paterson for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Paterson for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Paterson includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Paterson, NJ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,258$605
Safe Driver Age 20$6,352$529
At-fault Accidents Age 40$4,472$373
Low Deductibles Age 40$4,130$344
Safe Driver Age 30$3,370$281
Safe Driver Age 40$3,158$263
Safe Driver Age 50$2,798$233
High Deductibles Age 40$2,656$221
Discount Rate Age 40$2,624$219
Safe Driver Age 60$2,622$219

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average rates in the chart above range from $2,624 per year for a middle-aged driver that qualifies for many policy discounts to $7,258 per year for a 20-year-old driver who has to buy high risk car insurance. Throughout our site, the rate used for comparing different vehicles or locations is the 40-year-old safe driver rate, which is an average cost of $3,158 per year.

As a monthly cost, the average cost of auto insurance in Paterson ranges from $219 to $605 for the risk profiles shown in the chart above.

Which vehicles have cheap insurance in Paterson?

When comparing models from every automotive segment, the vehicles with the cheapest average car insurance rates in Paterson, NJ, tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, and Nissan Kicks. Average auto insurance prices for those vehicles cost $2,564 or less per year ($214 per month) for a policy with full coverage.

A few other models that are in the top 20 in our car insurance price comparison are the Buick Encore, Ford Bronco Sport, Volkswagen Taos, and Honda HR-V. The average rates are slightly more for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have an average cost of $229 or less per month in Paterson.

The next table ranks the 30 cars, trucks, and SUVs with the cheapest insurance rates in Paterson, sorted by average cost.

Top 30 Cheapest Cars, Trucks, and SUVs to Insure in Paterson, New Jersey
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,332$194
2Chevrolet Trailblazer$2,374$198
3Kia Soul$2,464$205
4Nissan Kicks$2,484$207
5Honda Passport$2,516$210
6Buick Envision$2,530$211
7Toyota Corolla Cross$2,546$212
8Hyundai Venue$2,564$214
9Mazda CX-5$2,574$215
10Ford Bronco Sport$2,586$216
11Volkswagen Tiguan$2,612$218
12Acura RDX$2,638$220
13Nissan Murano$2,654$221
14Buick Encore$2,682$224
15Subaru Outback$2,688$224
16Honda CR-V$2,694$225
17Buick Envista$2,698$225
18Volkswagen Taos$2,702$225
19Kia Niro$2,718$227
20Toyota GR Corolla$2,744$229
21Honda HR-V$2,746$229
22Subaru Ascent$2,746$229
23Nissan Leaf$2,762$230
24Chevrolet Colorado$2,782$232
25Honda Civic$2,794$233
26Lexus NX 250$2,794$233
27Volkswagen Atlas$2,800$233
28Subaru Forester$2,808$234
29Acura Integra$2,810$234
30Volkswagen Atlas Cross Sport$2,812$234

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Paterson, NJ Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Paterson, NJ with the Subaru Crosstrek ranking first at $2,332 per year
Top 30 cheapest vehicles to insure in Paterson, NJ with the Subaru Crosstrek ranking first at $2,332 per year

A list of 30 vehicle rankings doesn’t really give the complete picture of the cost of car insurance. Considering we track over 700 makes and models of vehicles, that’s a lot of vehicles that get omitted from the list. Let’s try a different approach and list the most affordable vehicles a better way.

The section below details the cost of insurance based on different automotive segments. These rates should provide a good idea of the automotive segments that have the cheapest Paterson car insurance rates. The six sections after the chart display the models with the most affordable car insurance for the primary segments.

Paterson car insurance rates by automotive segment

If a different vehicle is in your future, it’s in your best interest to know which kinds of vehicles have better auto insurance rates in Paterson.

For example, maybe you’re wondering if compact SUVs cost less to insure than compact cars or which size car has costs less to insure.

The next chart displays average auto insurance rates in Paterson for different vehicle segments. In general, compact SUVs and midsize pickup trucks have the best average car insurance rates, with luxury, performance, and sports cars having the most expensive insurance rates.

Car insurance average cost by automotive segment in Paterson, NJ.
Figure 2: Car insurance average cost by automotive segment in Paterson, NJ. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Paterson Zip Codes.

Car Insurance Rates by Automotive Segment in Paterson, NJ
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,900$242
Midsize SUV$3,118$260
Compact Car$3,118$260
Minivan$3,124$260
Midsize Pickup$3,188$266
Midsize Car$3,220$268
Compact Luxury SUV$3,424$285
Compact Luxury Car$3,470$289
Large SUV$3,484$290
Half-ton Pickup$3,498$292
Heavy Duty Pickup$3,630$303
Midsize Luxury SUV$3,748$312
Midsize Luxury Car$3,874$323
Sports Car$4,342$362
Large Car$4,538$378
Large Luxury SUV$4,886$407
Large Luxury Car$5,050$421

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Paterson, NJ Zip Codes. Updated June 27, 2025

Average insurance rates by segment are sufficient to make a general comparison, but cost ranges substantially within each vehicle category listed in the chart above.

For example, in the midsize SUV segment, Paterson car insurance rates range from the Honda Passport costing $2,516 per year to the Rivian R1S at $3,880 per year, a difference of $1,364 within that segment. In the large truck segment, the cost of insurance ranges from the Nissan Titan costing $2,952 per year to the Toyota Tundra costing $3,758 per year.

In the next sections, we eliminate a lot of this variability by analyzing the cost of auto insurance in Paterson from a model perspective.

Cheapest cars to insure in Paterson

For 2024 models, the five cheapest cars (excluding luxury models) to insure in Paterson are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Rates for for these vehicles range from $2,744 to $2,900 per year.

Rounding out the top 10 are models like the Toyota Corolla, Chevrolet Malibu, Honda Accord, and Toyota Prius, with average rates of $3,076 per year or less.

Additional models worth mentioning include the Mazda 3, Nissan Versa, Kia Forte, and Volkswagen Jetta, which average between $3,076 and $3,262 per year to insure in Paterson.

Car insurance rates in Paterson for this segment for the average driver will start around $229 per month, depending on your company and location.

The next table ranks the cars with the lowest-cost average car insurance rates in Paterson, starting with the Toyota GR Corolla at $2,744 per year ($229 per month) and ending with the Mazda 3 at $3,262 per year ($272 per month).

Cheapest Insurance for Cars in Paterson, New Jersey
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,744$229
Nissan LeafCompact$2,762$230
Honda CivicCompact$2,794$233
Nissan SentraCompact$2,892$241
Subaru ImprezaCompact$2,900$242
Toyota PriusCompact$2,952$246
Kia K5Midsize$3,038$253
Honda AccordMidsize$3,050$254
Chevrolet MalibuMidsize$3,060$255
Toyota CorollaCompact$3,076$256
Kia ForteCompact$3,082$257
Volkswagen ArteonMidsize$3,102$259
Nissan VersaCompact$3,110$259
Subaru LegacyMidsize$3,114$260
Hyundai Ioniq 6Midsize$3,142$262
Mitsubishi Mirage G4Compact$3,184$265
Volkswagen JettaCompact$3,192$266
Toyota CrownMidsize$3,196$266
Hyundai SonataMidsize$3,200$267
Mazda 3Compact$3,262$272

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Paterson, NJ Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Paterson, NJ, with the Toyota GR Corolla ranking first at $2,744 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Paterson, NJ, with the Toyota GR Corolla ranking first at $2,744 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in New Jersey.

Cheapest SUVs to insure in Paterson

The lowest-cost non-luxury SUVs to insure in Paterson are the Subaru Crosstrek at $2,332 per year, the Chevrolet Trailblazer at $2,374 per year, and the Kia Soul at $2,464 per year.

Additional models that have affordable average insurance rates are the Toyota Corolla Cross, Hyundai Venue, Ford Bronco Sport, and Buick Envision, with an average cost of $2,586 per year or less.

In the lower half of the top 20 SUVs to insure, SUVs like the Nissan Murano, Subaru Outback, Subaru Ascent, Kia Niro, Buick Envista, and Volkswagen Tiguan cost between $2,586 and $2,746 per year for insurance in Paterson.

On a monthly basis, auto insurance rates on this segment in Paterson for the average driver will start around $194 per month, depending on the company.

The table below ranks the twenty SUVs with the cheapest auto insurance rates in Paterson, starting with the Subaru Crosstrek at $2,332 per year and ending with the Subaru Ascent at $2,746 per year.

Cheapest Insurance for SUVs in Paterson, New Jersey
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,332$194
Chevrolet TrailblazerCompact$2,374$198
Kia SoulCompact$2,464$205
Nissan KicksCompact$2,484$207
Honda PassportMidsize$2,516$210
Buick EnvisionCompact$2,530$211
Toyota Corolla CrossCompact$2,546$212
Hyundai VenueCompact$2,564$214
Mazda CX-5Compact$2,574$215
Ford Bronco SportCompact$2,586$216
Volkswagen TiguanCompact$2,612$218
Nissan MuranoMidsize$2,654$221
Buick EncoreCompact$2,682$224
Subaru OutbackMidsize$2,688$224
Honda CR-VCompact$2,694$225
Buick EnvistaMidsize$2,698$225
Volkswagen TaosCompact$2,702$225
Kia NiroCompact$2,718$227
Honda HR-VCompact$2,746$229
Subaru AscentMidsize$2,746$229

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Paterson, NJ Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Paterson, NJ, with the Subaru Crosstrek ranking first at $2,332 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Paterson, NJ, with the Subaru Crosstrek ranking first at $2,332 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Paterson car insurance quotes from the best companies in New Jersey.

Cheapest luxury cars to insure in Paterson

The top five models for the lowest-cost Paterson car insurance rates in the luxury car segment are the BMW 330i, Lexus IS 300, Mercedes-Benz CLA250, Acura TLX, and Acura Integra. Car insurance prices for these 2024 models average $3,268 or less per year, or around $272 per month.

Other models that have cheaper rates are the Cadillac CT4, Lexus ES 350, Genesis G70, and Mercedes-Benz AMG CLA35, with average cost of $3,320 per year or less.

Some additional 2024 luxury models that rank well include the Cadillac CT5, Lexus IS 350, BMW 330e, Lexus ES 250, and Jaguar XF, which cost between $3,320 and $3,540 per year for auto insurance in Paterson.

Full-coverage car insurance for this segment in Paterson for a middle-age safe driver can cost as low as $234 per month, depending on your company and location. The next table ranks the cars with the lowest-cost insurance in Paterson, starting with the Acura Integra at $2,810 per year ($234 per month) and ending with the Audi S3 at $3,540 per year ($295 per month).

Cheapest Insurance for Luxury Cars in Paterson, New Jersey
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,810$234
BMW 330iCompact$3,216$268
Mercedes-Benz CLA250Midsize$3,250$271
Lexus IS 300Midsize$3,254$271
Acura TLXCompact$3,268$272
Lexus ES 350Midsize$3,296$275
Cadillac CT4Compact$3,298$275
Genesis G70Compact$3,306$276
Mercedes-Benz AMG CLA35Midsize$3,312$276
Lexus RC 300Midsize$3,320$277
Lexus IS 350Compact$3,334$278
Jaguar XFMidsize$3,340$278
Cadillac CT5Midsize$3,400$283
Lexus ES 250Midsize$3,416$285
BMW 330eCompact$3,426$286
Lexus RC 350Compact$3,426$286
BMW 228iCompact$3,432$286
BMW 230iCompact$3,458$288
Lexus ES 300hMidsize$3,464$289
Audi S3Compact$3,540$295

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Paterson, NJ Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Paterson, NJ, with the Acura Integra ranking first at $2,810 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Paterson, NJ, with the Acura Integra ranking first at $2,810 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in New Jersey.

Cheapest luxury SUVs to insure in Paterson

The top-ranked vehicle in Paterson for the lowest-cost average insurance in the luxury SUV segment is the Acura RDX, at an average of $2,638 per year. Second place is the Lexus NX 250 at $2,794 per year, and ranking third is the Cadillac XT4, costing an average of $2,850 per year.

Some other luxury SUVs that have cheaper rates are the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus NX 450h, and Lexus NX 350h, with average rates of $3,044 per year or less.

Additional vehicles on the list include the Mercedes-Benz AMG GLB35, Infiniti QX50, Lexus RX 350, and Lexus NX 350, which average between $3,044 and $3,168 per year for auto insurance.

As a cost per month, auto insurance in Paterson on this segment starts at around $220 per month, depending on your location and insurance company.

The most affordable small luxury SUV to insure in Paterson is the Acura RDX at $2,638 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $2,952 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $3,540 per year.

The comparison table below ranks the twenty SUVs with the most affordable insurance rates in Paterson, starting with the Acura RDX at $2,638 per year ($220 per month) and ending with the Lexus RX 350 at $3,168 per year ($264 per month).

Cheapest Insurance for Luxury SUVs in Paterson, New Jersey
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,638$220
Lexus NX 250Compact$2,794$233
Cadillac XT4Compact$2,850$238
Jaguar E-PaceMidsize$2,952$246
Lexus NX 350hCompact$2,980$248
Cadillac XT5Midsize$2,982$249
Lincoln CorsairCompact$3,016$251
Lexus UX 250hCompact$3,024$252
Mercedes-Benz GLB 250Compact$3,024$252
Lexus NX 450hCompact$3,044$254
Infiniti QX50Midsize$3,068$256
Mercedes-Benz GLA250Compact$3,078$257
Cadillac XT6Midsize$3,088$257
Mercedes-Benz GLA35 AMGCompact$3,090$258
Infiniti QX60Midsize$3,106$259
Mercedes-Benz AMG GLB35Midsize$3,112$259
Land Rover EvoqueCompact$3,152$263
Acura MDXMidsize$3,156$263
Lexus NX 350Compact$3,168$264
Lexus RX 350Midsize$3,168$264

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Paterson, NJ Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Paterson, NJ, with the Acura RDX ranking first at $2,638 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Paterson, NJ, with the Acura RDX ranking first at $2,638 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Is your luxury SUV not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Paterson car insurance quotes from top companies in New Jersey.

Cheapest sports car insurance rates in Paterson, New Jersey

The Mazda MX-5 Miata takes the #1 ranking as the most budget-friendly sports car to insure in Paterson, followed closely by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $2,922 per year for full-coverage auto insurance.

Some other sports cars that rank well include the Nissan Z, Toyota GR Supra, Subaru BRZ, and Lexus RC F, with an average cost of $3,772 per year or less.

Full-coverage auto insurance for this segment in Paterson can cost as low as $244 per month, depending on the company. The next table ranks the twenty sports cars with the most affordable car insurance rates in Paterson, starting with the Mazda MX-5 Miata at $2,922 per year and ending with the Porsche Taycan at $5,344 per year.

Cheapest Insurance for Sports Cars in Paterson, New Jersey
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,922$244
Toyota GR86Sports Car$3,328$277
Ford MustangSports Car$3,470$289
BMW Z4Sports Car$3,486$291
Subaru WRXSports Car$3,542$295
Toyota GR SupraSports Car$3,544$295
BMW M2Sports Car$3,650$304
Nissan ZSports Car$3,656$305
Lexus RC FSports Car$3,732$311
Subaru BRZSports Car$3,772$314
BMW M3Sports Car$3,986$332
Porsche 718Sports Car$4,066$339
Chevrolet CamaroSports Car$4,100$342
Chevrolet CorvetteSports Car$4,372$364
Porsche 911Sports Car$4,522$377
BMW M4Sports Car$4,712$393
Lexus LC 500Sports Car$4,736$395
Jaguar F-TypeSports Car$4,980$415
Mercedes-Benz AMG GT53Sports Car$5,226$436
Porsche TaycanSports Car$5,344$445

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Paterson, NJ Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Paterson, NJ, with the Mazda MX-5 Miata ranking first at $2,922 per year.
Ranking of the cheapest sports cars to insure in Paterson, NJ, with the Mazda MX-5 Miata ranking first at $2,922 per year.

Don’t see rates for your sports car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in New Jersey.

Cheapest pickup trucks to insure in Paterson

The four most affordable pickups to insure in Paterson are the Chevrolet Colorado at $2,782 per year, Nissan Titan at $2,952 per year, Nissan Frontier at $2,984 per year, and Ford Ranger at $3,014 per year.

Additional pickups that have affordable insurance rates include the Honda Ridgeline, GMC Sierra 2500 HD, GMC Canyon, and Hyundai Santa Cruz, with average rates of $3,246 per year or less.

As a cost per month, car insurance in Paterson on this segment for an average middle-age driver starts at an average of $232 per month, depending on the company and where you live.

The comparison table below ranks the twenty pickups with the cheapest insurance rates in Paterson, starting with the Chevrolet Colorado at $232 per month and ending with the Ram Truck at $304 per month.

Cheapest Insurance for Pickups in Paterson, New Jersey
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,782$232
Nissan TitanFull-size$2,952$246
Nissan FrontierMidsize$2,984$249
Ford RangerMidsize$3,014$251
Ford MaverickMidsize$3,060$255
Honda RidgelineMidsize$3,130$261
Hyundai Santa CruzMidsize$3,184$265
Toyota TacomaMidsize$3,196$266
GMC Sierra 2500 HDHeavy Duty$3,210$268
GMC CanyonMidsize$3,246$271
Jeep GladiatorMidsize$3,326$277
GMC Sierra 3500Heavy Duty$3,344$279
Chevrolet Silverado HD 3500Heavy Duty$3,376$281
Chevrolet Silverado HD 2500Heavy Duty$3,466$289
GMC SierraFull-size$3,484$290
Nissan Titan XDHeavy Duty$3,488$291
Chevrolet SilveradoFull-size$3,492$291
Ford F150Full-size$3,534$295
GMC Hummer EV PickupFull-size$3,620$302
Ram TruckFull-size$3,652$304

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Paterson, NJ Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Paterson, NJ, with the Chevrolet Colorado ranking first at $2,782 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Paterson, NJ, with the Chevrolet Colorado ranking first at $2,782 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Paterson car insurance quotes from top-rated companies in New Jersey.

Examples of auto insurance rate variation

In an effort to clarify the amount car insurance premiums can fluctuate from one person to the next (and also emphasize the importance of accurate rate quotes), the examples below present comprehensive car insurance rates for four popular models in Paterson: the Ford F150, Nissan Sentra, Honda CR-V, and Kia Sorento.

The example for each vehicle uses different risk profiles to illustrate the difference in cost with only small changes in driver profile or coverage limits.

Ford F150 insurance rates

Insurance for a Ford F150 in Paterson costs an average of $3,534 per year (about $295 per month) and has a range of $2,930 to $8,158 annually.

Average 2024 Ford F150 insurance premiums in Paterson for different driver ages and risk scenarios.
Figure 3: Average 2024 Ford F150 insurance premiums in Paterson for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Paterson includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Paterson, NJ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,158$680
Safe Driver Age 20$7,142$595
At-fault Accidents Age 40$5,014$418
Low Deductibles Age 40$4,630$386
Safe Driver Age 30$3,770$314
Safe Driver Age 40$3,534$295
Safe Driver Age 50$3,126$261
High Deductibles Age 40$2,970$248
Safe Driver Age 60$2,930$244
Discount Rate Age 40$2,930$244

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 27, 2025

The Ford F150 is part of the full-size truck segment, and other models from that segment that are popular in Paterson include the Ram Truck, Toyota Tundra, and Nissan Titan.

Nissan Sentra insurance rates

Car insurance for a Nissan Sentra in Paterson averages $2,892 per year (about $241 per month) and ranges from $2,402 to $6,572 per year.

Average 2024 Nissan Sentra insurance premiums in Paterson for different driver ages and risk scenarios.
Figure 4: Average 2024 Nissan Sentra insurance premiums in Paterson for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Paterson includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Paterson, NJ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,572$548
Safe Driver Age 20$5,718$477
At-fault Accidents Age 40$4,096$341
Low Deductibles Age 40$3,658$305
Safe Driver Age 30$3,070$256
Safe Driver Age 40$2,892$241
Safe Driver Age 50$2,588$216
High Deductibles Age 40$2,490$208
Safe Driver Age 60$2,412$201
Discount Rate Age 40$2,402$200

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 26, 2025

The Nissan Sentra belongs to the compact car segment, and other top-selling models from the same segment include the Hyundai Elantra, Toyota Corolla, Chevrolet Cruze, and Volkswagen Jetta.

Honda CR-V insurance rates

In Paterson, Honda CR-V insurance averages $2,694 per year, or about $225 per month, and ranges from $2,238 to $6,188 per year.

Average 2024 Honda CR-V insurance premiums in Paterson for different driver ages and risk scenarios.
Figure 5: Average 2024 Honda CR-V insurance premiums in Paterson for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Paterson includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Paterson, NJ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,188$516
Safe Driver Age 20$5,408$451
At-fault Accidents Age 40$3,810$318
Low Deductibles Age 40$3,512$293
Safe Driver Age 30$2,870$239
Safe Driver Age 40$2,694$225
Safe Driver Age 50$2,388$199
High Deductibles Age 40$2,272$189
Safe Driver Age 60$2,238$187
Discount Rate Age 40$2,238$187

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 27, 2025

The Honda CR-V belongs to the compact SUV segment, and other popular models in the same segment include the Nissan Rogue, Subaru Forester, Ford Escape, and Chevrolet Equinox.

Kia Sorento insurance rates

In Paterson, Kia Sorento insurance averages $2,998 per year ($250 per month) and has a range of $2,490 to $6,882.

Average 2024 Kia Sorento insurance premiums in Paterson for different driver ages and risk scenarios.
Figure 6: Average 2024 Kia Sorento insurance premiums in Paterson for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Paterson includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Paterson, NJ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,882$574
Safe Driver Age 20$6,024$502
At-fault Accidents Age 40$4,228$352
Low Deductibles Age 40$3,952$329
Safe Driver Age 30$3,202$267
Safe Driver Age 40$2,998$250
Safe Driver Age 50$2,652$221
High Deductibles Age 40$2,508$209
Discount Rate Age 40$2,490$208
Safe Driver Age 60$2,486$207

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 26, 2025

The Kia Sorento is considered a midsize SUV, and other popular models in the same segment include the Ford Explorer, Jeep Grand Cherokee, Honda Pilot, and Toyota Highlander.

Tips for saving money on Paterson auto insurance

Paterson drivers should always be thinking of ways to reduce their monthly car insurance expenses, so take a minute to read through the tips and ideas in the list below and it’s very possible you can save some money on your next policy.

  • Choose vehicles that have more affordable auto insurance. Vehicle type has a significant impact on the price you pay for car insurance. As an example, a Subaru Crosstrek costs $1,194 less per year to insure in Paterson than a Nissan 370Z. Choose cheaper models and save money.
  • Bring up your credit score to save money. Drivers who have credit scores over 800 could save $496 per year over a credit score between 670-739. Conversely, a weaker credit score below 579 could cost up to $575 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Avoid traffic tickets to pay less. In order to get affordable car insurance in Paterson, it’s necessary to be a good, safe driver. Not surprisingly, just one or two minor traffic violations have the potential to raise the cost of a policy by up to $840 per year.
  • Compare insurance costs before buying a car. Different models, and even different trim levels of the same model, have very different car insurance rates, and insurance companies can sell policies with a wide range of costs. Check the price before you buy a new car in order to avoid price shock when buying coverage for your new car.
  • Be a careful driver and pay less for insurance. Too many at-fault accidents can cost more, possibly up to $4,508 per year for a 20-year-old driver and even as much as $770 per year for a 60-year-old driver. So be safe and save.
  • If your car is older, remove unneeded coverages. Deleting comprehensive and collision coverage from vehicles that are older can cut the cost of insurance significantly.
  • Save money due to your profession. The vast majority of car insurance companies offer policy discounts for being employed in occupations like nurses, police officers and law enforcement, doctors, firefighters, accountants, scientists, and others. Obtaining this discount could save between $95 and $307 on your annual insurance cost, depending on your policy.