Passaic, NJ Car Insurance

Drivers in Passaic pay, on average, $147 a month for their car insurance. For more information refer to our guide below.
How does Passaic compare to the surrounding area and the rest of New Jersey? How much can residents of Passaic expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Passaic?

Area Average Monthly Car Insurance Premium
Passaic$147
NJ$106
United States$81

As you can tell from the chart above, the cost of coverage in Passaic is about $41 a month more expensive than the rest of New Jersey.

Similarly, Passaic residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Passaic is about $66 more expensive than it is for the rest of the U.S.

While these are the average car insurance rates for Passaic, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've analyzed the average rate for Passaic and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$248
25-34$140
35-44$123
45-54$116
55-64$97
65+$84

Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates climb back up in Passaic.

Average Car Insurance Rates by Gender

Gender Average
Male$150
Female$143

In general, female drivers pay less for car insurance than their male counterparts. In Passaic, the difference is around $7 a month. Looking at the table above, you can see that female drivers pay around $143 on average, while male drivers typically pay $150 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$152
Multiple Accidents$219
1 Ticket$166
Multiple Tickets$170

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Passaic with a single accident will pay around $152 a month. In addition, drivers with a single ticket on their record can expect to pay around $166 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$87
2-3 Years$157
4-5 Years$112
6-7 Years$128
8-10 Years$134
11-14 Years$154
15 Years or Older$155

The most affordable vehicles to insure in Passaic are usually SUVs, which run about $133 per month.

SUV owners, on the other hand, typically pay around $133 per month, while truck and van drivers can expect to pay about $201 a month for car insurance coverage.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Passaic, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$157
Married$124
Divorced$114
Widowed$76

More often than not, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Passaic as well, where the difference is around $33 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$171
Rent$144
Live with parents$181

One other element taken into consideration is your housing situation. Renters can expect to pay around $27 a month less than drivers who own property in Passaic. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Passaic, NJ

Recent trends in car insurance for Passaic drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Auto insurance rates in Passaic decreased from 2017-2018, before leveling out in 2019. Rates decreased again, reaching a low of $111 in 2021, before finishing up at $193 in 2022.

How does Passaic compare to neighboring areas?

Why are car insurance rates in Passaic different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Off-street parking accessibility
  • Number of car accidents
  • Crime
  • Number of drivers in the community
  • Regional regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Passaic?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Passaic.

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Passaic Insurance FAQs

What factors affect car insurance quotes in Passaic?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Passaic different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Passaic?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Passaic?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Passaic or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes