Pricing Guide · Paterson
Insurance Agents Cost in Paterson, NJ — 2026 Price Guide
What should you pay for insurance agents in Paterson? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Paterson, NJ by verified customer ratings and review volume. The highest-rated is Veronica's Insurance Agency with a 4.7-star rating from 504 verified reviews. Also in the top tier: Freeway Insurance and NJH Insurance Agency. The average rating across all listed insurance agents in Paterson is 4.6 stars from 362 reviews per business on average.
Insurance in Paterson: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
4.6★
Avg rating
362
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Veronica's Insurance Agency
693 Market St, Paterson, NJ 07513, USA
NJH Insurance Agency
600 Getty Ave Suite 119, Clifton, NJ 07011, USA
Insurance Agents Rankings in Paterson, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Veronica's Insurance Agency693 Market St, Paterson, NJ 07513, USA | 4.7★ | 504 |
| #2 | Freeway Insurance758 Main St, Paterson, NJ 07503, USA | 4.6★ | 499 |
| #3 | NJH Insurance Agency600 Getty Ave Suite 119, Clifton, NJ 07011, USA | 5.0★ | 298 |
| #4 | Adamas Insurance Brokerage125 Broadway #102, Paterson, NJ 07505, USA | 4.5★ | 112 |
| #5 | Carmen's Insurance Agency553 Main St, Paterson, NJ 07503, USA | 4.2★ | 177 |
| #6 | Auto One Insurance Agency191 Broadway, Paterson, NJ 07505, USA | 5.0★ | 14 |
| #7 | ABA Insurance Agency16-00 NJ-208 Suite 103, Fair Lawn, NJ 07410, USA | 4.8★ | 229 |
| #8 | Preferred Choice Insurance482 McBride Ave, Paterson, NJ 07501, USA | 5.0★ | 37 |
| #9 | National Insurance Group LLC24 7 Ellison St, Paterson, NJ 07501, USA | 3.8★ | 10 |
| #10 | BENGAL INSURANCE AGENCY351 Union Ave, Paterson, NJ 07502, USA | 3.7★ | 29 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Paterson
Adamas Insurance Brokerage
125 Broadway #102, Paterson, NJ 07505, USA
Carmen's Insurance Agency
553 Main St, Paterson, NJ 07503, USA
Auto One Insurance Agency
191 Broadway, Paterson, NJ 07505, USA
ABA Insurance Agency
16-00 NJ-208 Suite 103, Fair Lawn, NJ 07410, USA
Preferred Choice Insurance
482 McBride Ave, Paterson, NJ 07501, USA
National Insurance Group LLC
24 7 Ellison St, Paterson, NJ 07501, USA
BENGAL INSURANCE AGENCY
351 Union Ave, Paterson, NJ 07502, USA
Capital Insurance
214 Broadway, Paterson, NJ 07501, USA
Goosehead Insurance - Haya Matari
1113 Main St, Paterson, NJ 07503, USA
Frantz Gaston Jr - State Farm Insurance Agent
750 Broadway D, Paterson, NJ 07514, USA
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Frequently Asked Questions — Insurance Agents in Paterson
What is the difference between a captive and independent insurance agent in Paterson?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in NJ?
Search the NJ Department of Insurance's online license lookup — Google "NJ Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in NJ must be licensed with the state.
How much does working with a local insurance agent in Paterson cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Paterson?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Paterson adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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