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Coverage for Drivers in Paterson
North Jersey drivers need car insurance in Paterson, NJ, to cover the risks of personal injury and liability associated with traveling on busy roads in this region. There are 31.5 crashes and 12.1 fatalities or injuries per mile on average in Paterson every year. The rate of fatalities and injuries per mile in this area is higher than in other municipalities with more crashes per mile.
In 2019, Interstate 80 was the fourth most dangerous highway in New Jersey. As of 2022, the most dangerous section of this highway is the 3.4-mile stretch between Exit 55B and Exit 60 in Paterson. On average, this section has 2.3 crashes per mile.
Paterson has an extensive public transit system with commuter rail and bus service. Driving is still the easiest way to access destinations in New Jersey, New York and beyond on your own schedule. Car insurance can help you manage the risks associated with driving on heavily trafficked roads.
How To Shop for Car Insurance in Paterson
VIU by HUB is the best resource for comparing quotes on car insurance policies that offer the level of coverage you need. Enter information about drivers and vehicles to get quotes for policies that provide the personal injury protection and liability coverage you need to comply with state insurance laws and protect yourself from risks on the road.
Insurance Requirements for New Jersey Drivers
New Jersey is a no-fault state with options for Basic and Standard policies. Find out more about the coverage that these types of policies can provide:
- Bodily injury liability: Basic policies do not include bodily injury liability coverage, but have an option for $10,000 in coverage for all persons. Standard policies can provide anywhere between $25,000 and $500,000 in bodily injury liability coverage.
- Property damage liability: Basic policies include $5,000 per accident in property damage liability coverage. Standard policies can cover anywhere from $25,000 up to over $100,000 per accident.
- Personal injury protection: A Basic policy includes personal injury protection coverage of up to $15,000 per person per accident or up to $250,000 for permanent or significant injuries. Standard policies also provide coverage within this range.
- Uninsured/underinsured motorist coverage: Basic policies do not cover damage and injuries that uninsured motorists or drivers without sufficient coverage cause to your vehicle or person. Liability coverage under standard policies extends to uninsured and underinsured motorists.
In addition to these types of coverage, you have the option to choose a collision policy that can cover the cost of repairing damage to your vehicle or replacing a totaled vehicle after an accident. Comprehensive policies can also cover damage caused by disasters, collisions with animals or theft.
The Average Cost of Car Insurance in Paterson
The average cost of full car insurance coverage in New Jersey is between $1,497 and $1,964 per year. Basic coverage can cost as little as $816 per year, but these policies have lower limits and do not cover expenses to repair or replace your vehicle.
Factors for Car Insurance Rates in New Jersey
Driving safely is one of the best ways to lower your premium. Here are several considerations that factor into the cost of car insurance for drivers in Paterson:
- Driver age
- Driving record
- Credit score
- Marital status
All of these data points factor into the cost of car insurance in Paterson, NJ. VIU by HUB makes it easy to compare quotes from several insurance companies to get the best deal on the level of coverage you need to drive in Passaic County.
This information is intended for general information purposes only and is not intended to constitute legal advice.