Car Insurance Cost in Paterson, NJ – 2024 Rates & Cheapest to Insure

• Paterson car insurance averages $2,592 per year, or $216 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, Hyundai Ioniq 6, Subaru Crosstrek, and Honda Passport.

How much does Paterson car insurance cost?

In Paterson, the average car insurance expense is $2,592 per year, which is 31.7% more than the overall national average rate of $1,883. Per month, Paterson car insurance costs approximately $216 for full coverage.

In the state of New Jersey, the average cost to insure a vehicle is $2,278 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, $68 per year cheaper than in Newark, and $54 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 – $9,226 per year or $769 per month
• 17 year old – $8,937 per year or $745 per month
• 18 year old – $8,013 per year or $668 per month
• 19 year old – $7,294 per year or $608 per month
• 20 year old – $5,210 per year or $434 per month
• 30 year old – $2,764 per year or $230 per month
• 40 year old – $2,592 per year or $216 per month
• 50 year old – $2,298 per year or $192 per month
• 60 year old – $2,148 per year or $179 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 rates in the chart above range from $2,154 per year for a middle-aged driver that qualifies for many policy discounts to $5,960 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 $2,592 per year.

As a monthly cost, the average cost of auto insurance in Paterson ranges from $180 to $497 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 $2,104 or less per year ($175 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, Chevrolet Colorado, and Kia Niro. 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 $185 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.

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.

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 $2,066 per year to the Rivian R1S at $3,178 per year, a difference of $1,112 within that segment. In the large truck segment, the cost of insurance ranges from the Nissan Titan costing $2,424 per year to the Toyota Tundra costing $3,086 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 $2,252 to $2,380 per year.

Rounding out the top 10 are models like the Chevrolet Malibu, Honda Accord, Kia K5, and Hyundai Ioniq 6, with average rates of $2,514 per year or less.

Additional models worth mentioning include the Mazda 3, Volkswagen Arteon, Toyota Corolla, and Volkswagen Jetta, which average between $2,514 and $2,678 per year to insure in Paterson.

Car insurance rates in Paterson for this segment for the average driver will start around $188 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 $2,252 per year ($188 per month) and ending with the Mazda 3 at $2,678 per year ($223 per month).

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 $1,914 per year, the Chevrolet Trailblazer at $1,946 per year, and the Kia Soul at $2,022 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 $2,120 per year or less.

In the lower half of the top 20 SUVs to insure, SUVs like the Nissan Murano, Subaru Outback, Honda HR-V, Kia Niro, Buick Envista, and Volkswagen Tiguan cost between $2,120 and $2,254 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 $160 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 $1,914 per year and ending with the Honda HR-V at $2,254 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 $2,680 or less per year, or around $223 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 $2,722 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 $2,722 and $2,904 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 $192 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 $2,304 per year ($192 per month) and ending with the Audi S3 at $2,904 per year ($242 per month).

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 $2,166 per year. Second place is the Lexus NX 250 at $2,294 per year, and ranking third is the Cadillac XT4, costing an average of $2,338 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 $2,498 per year or less.

Additional vehicles on the list include the Mercedes-Benz AMG GLB35, Infiniti QX50, Lexus NX 350, and Lexus RX 350, which average between $2,498 and $2,598 per year for auto insurance.

As a cost per month, auto insurance in Paterson on this segment starts at around $181 per month, depending on your location and insurance company.

The most affordable small luxury SUV to insure in Paterson is the Acura RDX at $2,166 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $2,424 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,904 per year.

The comparison table below ranks the twenty SUVs with the most affordable insurance rates in Paterson, starting with the Acura RDX at $2,166 per year ($181 per month) and ending with the Lexus NX 350 at $2,598 per year ($217 per month).

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 $2,396 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 $3,096 per year or less.

Full-coverage auto insurance for this segment in Paterson can cost as low as $200 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 $2,396 per year and ending with the Porsche Taycan at $4,388 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 $2,218 per year, Nissan Titan at $2,424 per year, Nissan Frontier at $2,450 per year, and Ford Ranger at $2,474 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 $2,666 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 $185 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 $185 per month and ending with the Ram Truck at $250 per month.

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 $2,898 per year (about $242 per month) and has a range of $2,404 to $6,692 annually.

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 $2,374 per year (about $198 per month) and ranges from $1,970 to $5,394 per year.

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 $2,208 per year, or about $184 per month, and ranges from $1,838 to $5,076 per year.

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 $2,456 per year ($205 per month) and has a range of $2,044 to $5,644.

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 $982 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 $407 per year over a credit score between 670-739. Conversely, a weaker credit score below 579 could cost up to $472 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 $688 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 $3,696 per year for a 20-year-old driver and even as much as $632 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 $78 and $252 on your annual insurance cost, depending on your policy.