Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Paterson

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Paterson Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

89Reviewed

55Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

550 Boulevard, Elmwood Park, NJ 07407
WebsiteLicense: 1050474

Expertise.com Rating

Review Sources

Google
4.0 (7)

Why choose this provider?

Atef Wahba Insurance Agency is an Elmwood Park-based business that serves individuals and businesses in Paterson. It offers a broad range of products, including personal and commercial auto insurance. The company's agents have access to policies from Progressive and American Strategic Insurance, allowing them to find coverage options that will suit clients' needs. In addition, they also furnish home, garage liability, and business insurance plans. Atef Wahba Insurance Agency provides same-day coverage, and it also operates in New York.

  • Home & Auto Insurance
  • Home Insurance

8 College Ave, Nanuet, NY 10954
WebsiteLicense: 1297150

Why choose this provider?

Hudson United is an insurance company serving residents of Peterson and the surrounding areas. It provides auto insurance policies that protect individuals against financial losses due to theft or collision. The product covers vehicle repair costs and policyholders' and third parties' injuries and rehabilitation. Its agents assist clients in tailoring policies to their specific financial circumstances. Plans for drivers without insurance are also available. In addition to auto insurance, the agency offers health, life, commercial, and home insurance programs.

  • Multiple Carriers

21-00 Route 208 South, Fair Lawn, NJ 07410
WebsiteLicense: 1604801

Expertise.com Rating

Review Sources

Google
4.7 (39)
Facebook
5.0 (35)

Why choose this provider?

Suburban General Insurance Agency is a locally owned and operated insurance agency in Fair Lawn that extends its services to the people of Paterson. Its team of insurance professionals has the experience to design auto insurance plans that will cover the individual needs, requirements, and preferences of vehicle owners. They connect with several insurance carriers to do shop for quotes that clients can choose from Suburban General Insurance Agency also offers homeowners, health, and life insurance products.

  • Multiple Carriers
  • Home Insurance

199 Center Avenue, Westwood, NJ 07675
WebsiteLicense: 8214399

Expertise.com Rating

Review Sources

Google
4.9 (110)
Facebook
4.9 (79)
Yelp
4.8 (4)

Why choose this provider?

Johl & Company is an insurance agency that serves Paterson residents. Included in its line of products is car insurance. The company's agents help car owners acquire insurance policies that may include personal injury protection, liability coverage, collision coverage, and comprehensive coverage which compensates for vehicle damages resulting from fire, theft, or vandalism. The professionals review plans from various insurance carriers like Preferred Mutual Insurance, Travelers, and Progressive. Johl & Company has been in service since 1963.

  • Multiple Carriers

301 Riverfront Boulevard, Elmwood Park, NJ 07407
WebsiteLicense: 1293364

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Legacy Insurance Agency is an insurance provider serving individuals, families, and businesses in Paterson and the rest of New Jersey. Its experienced agents connect with various reputable carriers, such as Chubb, Travelers, and Hagerty, to help drivers of different backgrounds obtain car insurance policies that will support them financially in the event of an automotive emergency. In addition to standard auto insurance, Legacy Insurance Agency also offers homeowners', renters', umbrella, business, and workers' compensation insurance.

  • Bundling Option

746 River Road, New Milford, NJ 07646
WebsiteLicense: 8059347

Expertise.com Rating

Review Sources

Facebook
4.1 (9)
Google
4.5 (8)
Yelp
5.0 (1)

Why choose this provider?

Nelson-Patterson Agency Inc. in New Milford has been providing professional insurance products and services in the area and the nearby Paterson metro since 1945. The independent insurance agency uses the risk management approach in formulating its policies, as part of its commitment to providing innovative solutions to its clients' dynamic needs. It writes auto insurance policies that provide coverage for traffic collisions, property damages, physical damages, and personal injury liabilities.

  • Boats
  • Motorcyle & ATV

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Is auto insurance more expensive in Paterson than in the rest of New Jersey?

    Yes, insuring a car in Paterson costs approximately $55 more per month than the average cost in the rest of New Jersey. Similarly, Paterson residents can expect an additional expense of roughly $80 per month for vehicle coverage compared to the rest of the country. However, rates can vary depending on location, driving history, and the type of car motorists own or drive.

  • How does the cost difference in auto insurance rates compare for teenage drivers and drivers in their 20s in Paterson?

    The largest disparity in auto insurance rates in Paterson exists between teenage drivers and those in their 20s, amounting to a substantial $6,053. Each month, male teen drivers incur an additional $50 in car insurance costs compared to their female counterparts when covered under their parent's auto insurance policy. Transitioning out of their teenage years is one of the most straightforward strategies for teen drivers to reduce their car insurance premiums.

  • How long is an SR-22 filing required in most cases in Paterson?

    Paterson drivers should submit an SR-22 form to the MVC within a 3-year timeframe to demonstrate their financial responsibility. This requirement arises following the reinstatement of their driving privileges after suspension. Insurance companies can electronically submit SR-22 documents to the state of New Jersey on behalf of drivers required to maintain and provide proof of valid car liability insurance.

  • Is car insurance required in Paterson?

    Yes, New Jersey law mandates that all registered vehicles in Paterson must have a minimum amount of liability insurance coverage. Motorists must maintain a minimum bodily injury liability coverage of $15,000 per individual and $30,000 per accident. Additionally, they must have property damage liability coverage of $5,000 per accident and a minimum personal injury protection coverage of $15,000.

  • What consequences do Paterson drivers face when they do not meet the minimum car insurance requirements?

    Drivers in Paterson who do not comply with the minimum car insurance requirements could face penalties ranging from $300 to $1,000, mandatory community service, and a one-year suspension of their driver's license. Subsequent violations come with more severe consequences, including a 14-day jail term, a two-year driver's license suspension, and the possibility of a fine reaching $5,000. Additionally, violators may be required to perform 30 days of community service.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.