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Cheap Car Insurance in Paterson, New Jersey

Find cheap car insurance in Paterson’s “silk city,” nicknamed for its silk production in the 19th Century. With an estimated 2015 population of 147,754, Paterson is the third most populous city in New Jersey and the seat of Passaic County. Among its more notable neighborhoods is the Great Falls Historic District, the subject of recent revitalization efforts along with the city’s downtown and Eastside Park Historic District.

Paterson is known as a very diverse city. In summers, the city is the site of an African-American Day Parade, Dominican Day Parade, Puerto Rican Day Parade, Peruvian Day Parade and Turkish-American Day Parade.

Driving Conditions in Paterson

Interstate 80 runs east-west through Paterson and the Garden State Parkway, ranked as the busiest toll road in the country based on tolls collected, passes just south of the city. Paterson is about 22 miles from New York City, 60 miles from Trenton and 70 miles from Bridgeport, Conn. Native New Jersey drivers warn newcomers about the infamous “New Jersey slide,” going quickly across two or more lanes, usually to make an exit in time.

According to the U.S. Census Bureau, the largest share of households in Paterson have just one car, and nearly 12 percent of residents use mass transit. Paterson has an average commute time of just over 22 minutes, shorter than the U.S. average of about 26 minutes. To access real-time traffic cameras and information, visit

Unique Laws in Paterson

In the summer of 2017, Patterson passed a city law banning its liquor stores from selling beer and wine between 10 p.m. and 10 a.m. in hopes to curtail problems arising from late-night alcohol sales. Don’t expect to be able to pump your own gas in New Jersey; it is illegal to do so without a permit.

A “gas expert” will need to fuel your car for you. A 1928 law requires drivers to honk when passing other cars going the same direction, though it is seldom done today. Other antiquated laws state it is illegal to detain or delay a homing pigeon and also prohibited for an automobile to overtake a horse-drawn carriage.

Paterson Crime Statistics

FBI statistics compiled for 2016 show 1,126 violent crimes in Paterson, 19 of which were murder or manslaughter. The local violent crime rate of 797 offenses per 100,000 residents is much higher than the average U.S. violent crime rate of 386 per 100,000, according to FBI data. But the property crime rate in Paterson was 2,141 per 100,000 residents, lower than the U.S. average of 2,451 per 100,000 residents.

Within the city, 671 vehicles were reported stolen in 2016, FBI data shows, a rate of 455 per 100,000 residents. The national average is 220 incidents per 100,000 people, according to the National Insurance Crime Bureau.

Paterson Safety Requirements

Drivers and all passengers must wear seat belts, according to the State of New Jersey Motor Vehicle Commission. Children up to age 8 or who weigh under 80 pounds must ride in an approved safety or booster seat located in the rear seat. Handheld drives are banned statewide while driving, and New Jersey in 2014 increased the fines for anyone caught talking and texting on a handheld device while behind the wheel.

Paterson Impaired Driving Laws

New Jersey drivers with a blood alcohol concentration of .08 percent or higher are charged with DUI.

Charges are enhanced when the BAC is .10 or greater. First offenders face a $250 to $400 fine, up to 30 days in jail and installation of interlock devices and community service.

Regardless of your background, it’s possible to find cheap car insurance in Paterson, N.J.; contact us for rate comparisons.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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