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Get Cheap Car Insurance in Downtown Paterson, Paterson, NJ
We monitor insurance prices, helping the average driver in Downtown Paterson save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Downtown Paterson
The chart below shows the cheapest car insurance company in Downtown Paterson for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| Downtown Paterson Insurer | Monthly Cost |
|---|---|
| State Farm | $80 |
| Geico | $83 |
| Plymouth Rock Assurance | $102 |
| NJM | $121 |
Savings for Every Kind of Downtown Paterson Driver
Based on our extensive insurance data, we know the average Downtown Paterson driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $631 per year by choosing the right vehicle insurance company. Some Downtown Paterson residents are paying out over $2,407 extra every year for auto insurance in Downtown Paterson. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Paterson, Paterson, NJ Savings / Yr. |
|---|---|
$631 |
|
$1,171 |
|
$899 |
|
$775 |
|
$3,114 |
|
$607 |
|
$944 |
Downtown Paterson Car Insurance vs. Paterson
People living in Downtown Paterson pay an average of 32.56% more than the typical driver in the state. The average driver in Downtown Paterson can expect to pay about $1,436 per year, or $2,407 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Downtown Paterson for most people.
Car Insurance Prices by Downtown Paterson Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Paterson?
The map shows insurance prices in and around Downtown Paterson, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $628 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,636 to a low of $2,008. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of Downtown Paterson.Pick the Best Car Insurance Company for You in Downtown Paterson
The best car insurance provider for most drivers in Downtown Paterson
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $631 over the average Downtown Paterson car insurance company.
The best car insurance provider for Downtown Paterson drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $1,171 over the competition.
The best car insurance company for Downtown Paterson drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $899 better than other car insurance companies.
The best auto insurance for Downtown Paterson drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $775 less each year.
The least expensive car insurance company for new and young drivers in Downtown Paterson
In Downtown Paterson, Geico costs young drivers $3,114 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Paterson
Geico gave the largest car insurance discounts to married couples, averaging $607 saved each year compared to an average Downtown Paterson couple's premiums.
The cheapest car insurance in Downtown Paterson for drivers with bad credit
The best Downtown Paterson car insurance company for customer service
Nationwide was the best company for customer service in Downtown Paterson according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Paterson
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Downtown Paterson driver can expect to pay about $112 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Paterson, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Downtown Paterson
What Influences the Cost of Car Insurance in Downtown Paterson?
On average, car insurance in Downtown Paterson is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- New Jersey state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Paterson are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Downtown Paterson has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Paterson is $120 per month for minimum coverage and $201 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Albion Place: Insurance costs 10.55% less
- Lake View: Insurance costs 9.35% less
- Radburn: Insurance costs 14.58% less
- Richfield: Insurance costs 9.06% less
- Warren Point: Insurance costs 11.55% less
- Passaic Junction: Insurance costs 18.11% less
- Athenia: Insurance costs 7.85% less
- Ridgewood Junction: Insurance costs 20.23% less
- Allwood: Insurance costs 11.13% less
- Downtown Ridgewood: Insurance costs 18.03% less
Neighborhoods with Similar Populations
- East Falls: Insurance costs 33.61% less
- Marina-San Francisco: Insurance costs 3.53% less
- Martha Lake: Insurance costs 31.41% less
- Edison Park: Insurance costs 32.41% less
- Meadow Point: Insurance costs 17.32% more
- Eastwood: Insurance costs 0.54% more
- Eastwick: Insurance costs 23.76% less
- Midway: Insurance costs 24.35% less
- East Village: Insurance costs 10.26% less
- Monta Loma: Insurance costs 17.20% less