Passaic, NJ Car Insurance

The average monthly cost for car insurance in Passaic is about $149. We cover plan rates, policies and more in our guide below.
What should residents of Passaic expect to pay for their car insurance? How does Passaic stack up to the rest of the area, or even New Jersey as a whole? 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$149
NJ$107
United States$80

Based on the information in the chart above, you can see that on average, it's about $42 a month more expensive to insure your vehicle in Passaic than it is in the rest of New Jersey.

Likewise, drivers in Passaic may pay higher rates than the rest of the country. It's around $69 more expensive to insure your vehicle in Passaic compared to the average rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Passaic, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Passaic to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$257
25-34$136
35-44$124
45-54Not Enough Data
55-64$99
65+$88

The older you are, the more experience you're likely to have on the roads, 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 two times the price that someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates rise again once you hit retirement age in Passaic.

Average Car Insurance Rates by Gender

Gender Average
Male$152
Female$142

On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Passaic, where women pay around $10 less per month. As illustrated in the table above, female drivers in the area pay about $142 on average, while male drivers pay around $152 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$152
Multiple Accidents$219
1 Ticket$198
Multiple Tickets$187

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Passaic with one accident will pay around $152 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $198.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$87
2-3 Years$134
4-5 Years$116
6-7 Years$124
8-10 Years$136
11-14 Years$158
15 Years or Older$158

According to the first table above, SUVs are usually the cheapest vehicles to insure in Passaic, with drivers paying around $129 per month for insurance.

Car owners can expect to pay an average of around $147 a month for their policy, while truck and van drivers are usually around $207 to insure each month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Passaic, the most expensive vehicles to insure are vehicles fifteen years and older and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$158
Married$127
Divorced$114
Widowed$76

Generally, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

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 $31 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$182
Rent$144
Live with parents$181

One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $38 less than those who own their own home in Passaic. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Passaic, NJ

Recent trends in car insurance for Passaic drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

Auto insurance rates in Passaic rose from 2016-2017, but started to turn downward in 2020. This pattern has continued through the present where they reached a low of $105 a month.

How does Passaic compare to neighboring areas?

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

Car insurance companies look at numerous factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Total number of drivers in the community
  • Crime
  • Road Safety (frequency of car accidents)
  • Area laws
  • Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Passaic?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Passaic.

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Passaic Insurance FAQs

What factors affect car insurance quotes in Passaic?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Passaic or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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