Car Insurance Cost in Paterson, NJ – 2022 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.

Start QuoteCompare Paterson car insurance rates and save on your next policy.

  • Paterson car insurance averages $2,246 per year, or $187 as a monthly expense.
  • For cheap auto insurance in Paterson, New Jersey, compact crossovers and SUVs like the Buick Envision, Hyundai Venue, Buick Encore, and Mazda CX-5 rank well for overall car insurance cost.
  • Vehicles with the lowest cost car insurance in Paterson in their segment include the Chevrolet Colorado, Mercedes-Benz A220, Subaru Legacy, Mazda CX-5, and Honda Passport.

How much does Paterson car insurance cost?

In Paterson, the average car insurance expense is $2,246 per year, which is 43.3% more than the overall national average rate of $1,567. Per month, Paterson car insurance costs approximately $187 for full coverage.

In the state of New Jersey, the average cost to insure a vehicle is $1,438 per year, so the cost in Paterson averages $808 more per year. The average cost to insure a vehicle in Paterson compared to other New Jersey locations is around $464 per year more expensive than in Trenton, $70 per year cheaper than in Newark, and $50 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 – $8,046 per year or $671 per month
  • 17 year old – $7,514 per year or $626 per month
  • 18 year old – $7,016 per year or $585 per month
  • 19 year old – $6,346 per year or $529 per month
  • 20 year old – $4,458 per year or $372 per month
  • 30 year old – $2,362 per year or $197 per month
  • 40 year old – $2,246 per year or $187 per month
  • 50 year old – $2,046 per year or $171 per month
  • 60 year old – $2,008 per year or $167 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 2022 vehicle models including luxury brand cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 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. Physical damage 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.Data last updated on June 23, 2022
Paterson, NJ Car Insurance Cost by Driver Risk Profile
Average Car Insurance Cost in Paterson, NJ
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$5,088$424
Safe Driver Age 20$4,458$372
At-fault Accidents Age 40$3,168$264
Low Deductibles Age 40$2,918$243
Safe Driver Age 30$2,362$197
Safe Driver Age 40$2,246$187
Safe Driver Age 50$2,046$171
Safe Driver Age 60$2,008$167
High Deductibles Age 40$1,900$158
Discount Rate Age 40$1,866$156

Average rates in the chart above range from $1,866 per year for a middle-aged driver that qualifies for many policy discounts to $5,088 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 $2,246 per year.

As a monthly cost, the average cost of auto insurance in Paterson ranges from $156 to $424 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 Nissan Kicks, Chevrolet Trailblazer, and Subaru Crosstrek. Average auto insurance prices for those vehicles cost $1,874 or less per year ($156 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 Acura RDX, Hyundai Venue, Subaru Forester, and Volkswagen Tiguan. 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 $163 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 Cost Monthly Cost
1Mazda CX-5$1,710$143
2Nissan Kicks$1,752$146
3Chevrolet Trailblazer$1,764$147
4Honda Passport$1,806$151
5Subaru Crosstrek$1,806$151
6Toyota C-HR$1,848$154
7Chevrolet Colorado$1,850$154
8Buick Encore$1,858$155
9Nissan Rogue Sport$1,874$156
10Hyundai Venue$1,908$159
11Buick Envision$1,912$159
12Kia Seltos$1,916$160
13Ford Maverick$1,922$160
14Acura RDX$1,926$161
15Toyota Corolla Cross$1,928$161
16Subaru Ascent$1,930$161
17Hyundai Kona$1,942$162
18Subaru Forester$1,946$162
19Mazda MX-5 Miata$1,948$162
20Subaru Impreza$1,950$163
21Volkswagen Tiguan$1,950$163
22Chevrolet Spark$1,958$163
23Honda CR-V$1,968$164
24Cadillac XT4$1,974$165
25Mazda CX-30$1,986$166
26Ford Ranger$1,998$167
27Honda HR-V$2,018$168
28Ford Edge$2,026$169
29Ford Ecosport$2,038$170
30Chevrolet Trax$2,060$172

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Paterson, NJ.Data last updated on June 23, 2022
    Top 30 Cheapest Cars, Trucks, and SUVs to Insure in Paterson, New Jersey

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Paterson car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Paterson Zip Codes.Data last updated on June 23, 2022
    Paterson, New Jersey Car Insurance Rates by Vehicle Segment
    Paterson Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$2,102$175
    Midsize Pickup$2,158$180
    Minivan$2,264$189
    Midsize SUV$2,276$190
    Compact Car$2,312$193
    Midsize Car$2,340$195
    Half-ton Pickup$2,440$203
    Compact Luxury SUV$2,524$210
    Large SUV$2,534$211
    Compact Luxury Car$2,548$212
    Large Car$2,598$217
    Heavy Duty Pickup$2,680$223
    Midsize Luxury SUV$2,714$226
    Midsize Luxury Car$2,974$248
    Sports Car$3,172$264
    Large Luxury SUV$3,394$283
    Large Luxury Car$3,552$296

    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 $1,806 per year to the Rivian R1S at $2,804 per year, a difference of $998 within that segment. In the large truck segment, the cost of insurance ranges from the Ford F150 costing $2,176 per year to the GMC Hummer EV Pickup costing $2,860 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 2022 models, the five cheapest cars (excluding luxury models) to insure in Paterson are the Subaru Impreza, Chevrolet Spark, Volkswagen Golf, Subaru Legacy, and Volkswagen Jetta. Rates for for these vehicles range from $1,950 to $2,184 per year.

    Rounding out the top 10 are models like the Toyota Camry, Toyota Corolla, Kia K5, and Honda Insight, with average rates of $2,210 per year or less.

    Additional models worth mentioning include the Chevrolet Malibu, Honda Civic, Volkswagen Passat, and Hyundai Veloster, which average between $2,210 and $2,334 per year to insure in Paterson.

    Car insurance rates in Paterson for this segment for the average driver will start around $163 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 Subaru Impreza at $1,950 per year ($163 per month) and ending with the Chevrolet Malibu at $2,334 per year ($195 per month).

    Cheapest Insurance for Cars in Paterson, New Jersey
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,950$163
    Chevrolet SparkCompact$1,958$163
    Volkswagen GolfCompact$2,158$180
    Subaru LegacyMidsize$2,178$182
    Volkswagen JettaCompact$2,184$182
    Honda InsightMidsize$2,186$182
    Nissan SentraCompact$2,192$183
    Kia K5Midsize$2,210$184
    Toyota CamryMidsize$2,210$184
    Toyota CorollaCompact$2,210$184
    Kia RioCompact$2,218$185
    Volkswagen PassatMidsize$2,222$185
    Honda CivicCompact$2,226$186
    Mazda 3Compact$2,234$186
    Mazda 6Midsize$2,240$187
    Toyota PriusCompact$2,246$187
    Hyundai AccentCompact$2,274$190
    Hyundai VelosterCompact$2,296$191
    Kia ForteCompact$2,298$192
    Chevrolet MalibuMidsize$2,334$195

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Paterson, NJ.Data last updated on June 23, 2022
      Cheapest Insurance for Cars in Paterson, New Jersey

      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 Mazda CX-5 at $1,710 per year, the Nissan Kicks at $1,752 per year, and the Chevrolet Trailblazer at $1,764 per year.

      Additional models that have affordable average insurance rates are the Buick Encore, Nissan Rogue Sport, Buick Envision, and Toyota C-HR, with an average cost of $1,912 per year or less.

      In the lower half of the top 20 SUVs to insure, SUVs like the Subaru Ascent, Subaru Forester, Ford Edge, Mazda CX-30, Volkswagen Tiguan, and Kia Seltos cost between $1,912 and $2,026 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 $143 per month, depending on the company.

      The table below ranks the twenty SUVs with the cheapest auto insurance rates in Paterson, starting with the Mazda CX-5 at $1,710 per year and ending with the Ford Edge at $2,026 per year.

      Cheapest Insurance for SUVs in Paterson, New Jersey
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,710$143
      Nissan KicksCompact$1,752$146
      Chevrolet TrailblazerCompact$1,764$147
      Honda PassportMidsize$1,806$151
      Subaru CrosstrekCompact$1,806$151
      Toyota C-HRCompact$1,848$154
      Buick EncoreCompact$1,858$155
      Nissan Rogue SportCompact$1,874$156
      Hyundai VenueCompact$1,908$159
      Buick EnvisionCompact$1,912$159
      Kia SeltosCompact$1,916$160
      Toyota Corolla CrossCompact$1,928$161
      Subaru AscentMidsize$1,930$161
      Hyundai KonaCompact$1,942$162
      Subaru ForesterCompact$1,946$162
      Volkswagen TiguanCompact$1,950$163
      Honda CR-VCompact$1,968$164
      Mazda CX-30Compact$1,986$166
      Honda HR-VCompact$2,018$168
      Ford EdgeMidsize$2,026$169

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Paterson, NJ.Data last updated on June 23, 2022
        Cheapest Insurance for SUVs in Paterson, New Jersey

        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 Mercedes-Benz A220, Acura TLX, BMW 330i, Volvo S60, and Acura ILX. Car insurance prices for these 2022 models average $2,412 or less per year, or around $201 per month.

        Other models that have cheaper rates are the BMW 330e, BMW 228i, BMW 230i, and Lexus RC 300, with average cost of $2,494 per year or less.

        Some additional 2022 luxury models that rank well include the Genesis G70, Cadillac CT4, Cadillac CT5, Mercedes-Benz AMG CLA35, and Lexus RC 350, which cost between $2,494 and $2,612 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 $172 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 ILX at $2,068 per year ($172 per month) and ending with the Audi S3 at $2,612 per year ($218 per month).

        Cheapest Insurance for Luxury Cars in Paterson, New Jersey
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$2,068$172
        Mercedes-Benz A220Compact$2,208$184
        BMW 330iCompact$2,376$198
        Acura TLXCompact$2,388$199
        Volvo S60Compact$2,412$201
        BMW 330eCompact$2,420$202
        BMW 228iCompact$2,434$203
        BMW 230iCompact$2,450$204
        Lexus RC 300Midsize$2,492$208
        Alfa Romeo GiuliaCompact$2,494$208
        Cadillac CT4Compact$2,498$208
        Lexus RC 350Compact$2,502$209
        Genesis G70Compact$2,538$212
        Mercedes-Benz AMG CLA35Midsize$2,550$213
        BMW i4Midsize$2,564$214
        Cadillac CT5Midsize$2,572$214
        Audi A3Midsize$2,600$217
        Audi A4Compact$2,604$217
        Mercedes-Benz AMG CLA45Midsize$2,608$217
        Audi S3Compact$2,612$218

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Paterson, NJ.Data last updated on June 23, 2022
          Cheapest Insurance for Luxury Cars in Paterson, New Jersey

          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 $1,926 per year. Second place is the Cadillac XT4 at $1,974 per year, and ranking third is the Volvo XC40, costing an average of $2,162 per year.

          Some other luxury SUVs that have cheaper rates are the Lexus UX 250h, Lexus NX 350h, Lexus UX 200, and BMW X1, with average rates of $2,298 per year or less.

          Additional vehicles on the list include the Mercedes-Benz GLB 250, Jaguar E-Pace, Lincoln Corsair, and Infiniti QX50, which average between $2,298 and $2,380 per year for auto insurance.

          As a cost per month, auto insurance in Paterson on this segment starts at around $161 per month, depending on your location and insurance company.

          The most affordable small luxury SUV to insure in Paterson is the Acura RDX at $1,926 per year. For midsize luxury SUVs, the Cadillac XT5 has the cheapest rates at $2,210 per year. And for full-size luxury SUVs, the Volvo XC90 has the cheapest car insurance rates at $2,434 per year.

          The comparison table below ranks the twenty SUVs with the most affordable insurance rates in Paterson, starting with the Acura RDX at $1,926 per year ($161 per month) and ending with the Lincoln Corsair at $2,380 per year ($198 per month).

          Cheapest Insurance for Luxury SUVs in Paterson, New Jersey
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,926$161
          Cadillac XT4Compact$1,974$165
          Volvo XC40Compact$2,162$180
          Cadillac XT5Midsize$2,210$184
          Lexus NX 250Compact$2,236$186
          BMW X1Compact$2,240$187
          Lexus NX 350hCompact$2,252$188
          Lexus UX 250hCompact$2,252$188
          Lexus NX 350Compact$2,290$191
          Lexus UX 200Compact$2,298$192
          Jaguar E-PaceMidsize$2,302$192
          Lexus RX 350Midsize$2,314$193
          Acura MDXMidsize$2,326$194
          Lincoln NautilusMidsize$2,346$196
          Lexus NX 450hCompact$2,354$196
          Mercedes-Benz GLB 250Compact$2,362$197
          Lexus RX 450hMidsize$2,368$197
          Land Rover EvoqueCompact$2,376$198
          Infiniti QX50Midsize$2,378$198
          Lincoln CorsairCompact$2,380$198

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Paterson, NJ.Data last updated on June 23, 2022
            Cheapest Insurance for Luxury SUVs in Paterson, New Jersey

            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 Ford Mustang, BMW Z4, Subaru WRX, and Toyota GR86. The 2022 model has an average cost of $1,948 per year for full-coverage auto insurance.

            Some other sports cars that rank well include the Subaru BRZ, Toyota GR Supra, BMW M3, and Chevrolet Corvette, with an average cost of $2,910 per year or less.

            Full-coverage auto insurance for this segment in Paterson can cost as low as $162 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 $1,948 per year and ending with the Lexus LC 500 at $3,704 per year.

            Cheapest Insurance for Sports Cars in Paterson, New Jersey
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,948$162
            Ford MustangSports Car$2,370$198
            BMW Z4Sports Car$2,420$202
            Subaru WRXSports Car$2,554$213
            Toyota GR86Sports Car$2,618$218
            Toyota GR SupraSports Car$2,680$223
            Audi TTSports Car$2,736$228
            Subaru BRZSports Car$2,820$235
            Chevrolet CorvetteSports Car$2,830$236
            BMW M3Sports Car$2,910$243
            Porsche 718Sports Car$3,036$253
            Chevrolet CamaroSports Car$3,114$260
            Lexus RC FSports Car$3,190$266
            Dodge ChallengerSports Car$3,198$267
            Mercedes-Benz AMG GT53Sports Car$3,246$271
            Jaguar F-TypeSports Car$3,396$283
            Porsche TaycanSports Car$3,486$291
            Porsche 911Sports Car$3,574$298
            BMW M4Sports Car$3,582$299
            Lexus LC 500Sports Car$3,704$309

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Paterson, NJ.Data last updated on June 23, 2022
              Cheapest Insurance for Sports Cars in Paterson, New Jersey

              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 $1,850 per year, Ford Maverick at $1,922 per year, Ford Ranger at $1,998 per year, and Toyota Tacoma at $2,088 per year.

              Additional pickups that have affordable insurance rates include the Hyundai Santa Cruz, Honda Ridgeline, Jeep Gladiator, and GMC Canyon, with average rates of $2,210 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 $154 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 $154 per month and ending with the GMC Sierra 3500 at $220 per month.

              Cheapest Insurance for Pickups in Paterson, New Jersey
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$1,850$154
              Ford MaverickMidsize$1,922$160
              Ford RangerMidsize$1,998$167
              Toyota TacomaMidsize$2,088$174
              Nissan FrontierMidsize$2,140$178
              Hyundai Santa CruzMidsize$2,160$180
              GMC CanyonMidsize$2,164$180
              Ford F150Full-size$2,176$181
              Honda RidgelineMidsize$2,188$182
              Jeep GladiatorMidsize$2,210$184
              GMC SierraFull-size$2,288$191
              Nissan TitanFull-size$2,372$198
              Chevrolet SilveradoFull-size$2,414$201
              Toyota TundraFull-size$2,418$202
              Ford F350 Super DutyHeavy Duty$2,440$203
              Chevrolet Silverado HD 3500Heavy Duty$2,458$205
              Nissan Titan XDHeavy Duty$2,524$210
              Ram TruckFull-size$2,568$214
              GMC Sierra 2500 HDHeavy Duty$2,622$219
              GMC Sierra 3500Heavy Duty$2,644$220

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Paterson, NJ.Data last updated on June 23, 2022
                Cheapest Insurance for Pickups in Paterson, New Jersey

                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 $2,176 per year (about $181 per month) and has a range of $1,804 to $4,912 annually.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Ford F150 Insurance Cost in Paterson, New Jersey
                Ford F150 Insurance Cost in Paterson, NJ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,912$409
                Safe Driver Age 20$4,304$359
                At-fault Accidents Age 40$3,064$255
                Low Deductibles Age 40$2,808$234
                Safe Driver Age 30$2,284$190
                Safe Driver Age 40$2,176$181
                Safe Driver Age 50$1,976$165
                Safe Driver Age 60$1,942$162
                High Deductibles Age 40$1,846$154
                Discount Rate Age 40$1,804$150

                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 $2,192 per year (about $183 per month) and ranges from $1,820 to $4,902 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Nissan Sentra Insurance Cost in Paterson, NJ
                Nissan Sentra Insurance Cost in Paterson, NJ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,902$409
                Safe Driver Age 20$4,298$358
                At-fault Accidents Age 40$3,086$257
                Low Deductibles Age 40$2,766$231
                Safe Driver Age 30$2,288$191
                Safe Driver Age 40$2,192$183
                Safe Driver Age 50$1,994$166
                Safe Driver Age 60$1,954$163
                High Deductibles Age 40$1,888$157
                Discount Rate Age 40$1,820$152

                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 $1,968 per year, or about $164 per month, and ranges from $1,634 to $4,482 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Honda CR-V Insurance Cost in Paterson, New Jersey
                Honda CR-V Insurance Cost in Paterson, NJ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,482$374
                Safe Driver Age 20$3,922$327
                At-fault Accidents Age 40$2,784$232
                Low Deductibles Age 40$2,556$213
                Safe Driver Age 30$2,072$173
                Safe Driver Age 40$1,968$164
                Safe Driver Age 50$1,794$150
                Safe Driver Age 60$1,764$147
                High Deductibles Age 40$1,666$139
                Discount Rate Age 40$1,634$136

                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 $2,128 per year ($177 per month) and has a range of $1,768 to $4,830.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Kia Sorento Insurance Cost in Paterson, NJ
                Kia Sorento Insurance Cost in Paterson, NJ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,830$403
                Safe Driver Age 20$4,228$352
                At-fault Accidents Age 40$2,998$250
                Low Deductibles Age 40$2,784$232
                Safe Driver Age 30$2,246$187
                Safe Driver Age 40$2,128$177
                Safe Driver Age 50$1,938$162
                Safe Driver Age 60$1,906$159
                High Deductibles Age 40$1,790$149
                Discount Rate Age 40$1,768$147

                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 $784 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 $353 per year over a credit score between 670-739. Conversely, a weaker credit score below 579 could cost up to $409 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 $588 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 $3,134 per year for a 20-year-old driver and even as much as $682 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 $67 and $235 on your annual insurance cost, depending on your policy.