Compare All 7 Major Cities Side-by-Side
Bergen County Auto Insurance Rate Comparison
See exactly how auto insurance rates vary across Bergen County's major cities. Compare populations, average rates, and risk factors to understand why rates range from $172/month to $195/month.
Bergen County Rate Comparison Overview
Our comprehensive analysis of 7 completed Bergen County cities reveals significant rate variations based on local risk factors, traffic patterns, and population density.
7
Cities Analyzed
280K+
Combined Population
$23/mo
Rate Difference
15+
Insurance Carriers
Compare Bergen County Cities
Sort by city name, population, or insurance rates. Click any city name to view detailed information.
| Rate Bar | Main Risk Factor | Details | |||
|---|---|---|---|---|---|
| Fair Lawn | 34,927 | $172/mo | Lowest | Moderate suburban risk | View Details |
| Paramus | 26,664 | $172/mo | Lowest | Heavy retail traffic | View Details |
| Teaneck | 41,246 | $175/mo | Dense suburban traffic | View Details | |
| Hackensack | 46,000 | $178/mo | Major highway intersection | View Details | |
| Englewood | 29,926 | $182/mo | Commuter traffic patterns | View Details | |
| Garfield | 32,655 | $185/mo | Industrial area traffic | View Details | |
| Fort Lee | 40,191 | $195/mo | Highest | Bridge traffic congestion | View Details |
Why Bergen County Auto Insurance Rates Vary
Understanding the key factors that drive rate differences across Bergen County cities helps you make informed decisions about coverage and carrier selection.
Population Density
Higher density areas typically see more accidents and claims
Can increase rates by 10-25%
Major Highway Access
Proximity to Routes 4, 17, 80, and GW Bridge affects risk
Can increase rates by 15-30%
Commercial Districts
Shopping centers and business areas create traffic congestion
Can increase rates by 5-15%
NYC Commuter Patterns
Areas with high NYC commuter traffic see more accidents
Can increase rates by 20-35%
Rate Comparison Tips
Even within the same city, rates can vary by hundreds of dollars between carriers. We recommend comparing quotes from at least 3-5 insurance companies. Our local agents work with 15+ carriers to find you the best rate for your specific Bergen County location.
Detailed Insurance Information by City
Get city-specific insurance insights, local risk factors, and personalized quotes for your Bergen County municipality.
Hackensack
$178/moPopulation: 46,000
Key Risk Factors:
- •Route 4/Route 17 intersection
- •Downtown parking challenges
Teaneck
$175/moPopulation: 41,246
Key Risk Factors:
- •Route 4 corridor
- •High population density
Fort Lee
$195/moPopulation: 40,191
Key Risk Factors:
- •GW Bridge traffic
- •NYC proximity
Fair Lawn
$172/moPopulation: 34,927
Key Risk Factors:
- •Route 208 access
- •Suburban density
Garfield
$185/moPopulation: 32,655
Key Risk Factors:
- •Route 80 proximity
- •Industrial traffic
Englewood
$182/moPopulation: 29,926
Key Risk Factors:
- •Palisades Interstate Parkway
- •Hospital district
Paramus
$172/moPopulation: 26,664
Key Risk Factors:
- •Route 17 shopping corridor
- •Mall traffic
Bergen County Rate Comparison Questions
Why do Bergen County auto insurance rates vary by $23/month between cities?
Rates vary based on local risk factors including traffic density, accident frequency, crime rates, and proximity to major highways. Fort Lee has the highest rates at $195/month due to GW Bridge traffic, while Fair Lawn and Paramus have lower rates at $172/month.
Which Bergen County cities have the lowest auto insurance rates?
Fair Lawn and Paramus tie for the lowest rates at $172/month. These areas have moderate traffic density and fewer high-risk factors compared to areas closer to NYC or major highway intersections.
How much can I save by comparing rates across Bergen County cities?
Our analysis shows residents can save $480-$520 per year by shopping around. Even within the same city, rates can vary by hundreds of dollars between insurance carriers.
Do I need higher coverage limits in high-traffic Bergen County areas?
We recommend higher liability limits (100/300/100) for residents in Fort Lee, Hackensack, and other high-traffic areas. The minimum NJ coverage (15/30/5) may not be sufficient for serious accidents on busy roads.
How often should I compare Bergen County auto insurance rates?
Review your rates annually or after major life changes. Insurance companies adjust rates regularly, and a carrier that was expensive last year might now be competitive in your specific Bergen County city.
Ready to Compare Bergen County Rates?
Get personalized quotes from 15+ insurance carriers and see how much you can save in your specific Bergen County city. Our local agents are standing by to help.