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Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Licensed property and casualty insurance agent
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John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Edison drivers pay an average cost of $164 per month for liability insurance and $260 per month for full coverage, according to Insurify data. That’s less expensive than in larger New Jersey cities like Newark, and well below rates in nearby Perth Amboy, where drivers pay a monthly average of $224 for liability coverage and $317 for full coverage.
Despite having to deal with daily commuter traffic at the junction of the New Jersey Turnpike and Interstate 287, liability insurance rates for Edison drivers are about 11% lower than the state average of $183 per month, according to Insurify data.
Pay your first week’s premium and get immediate proof of insurance
NJM has the cheapest liability insurance in Edison, with policies averaging $110 per month. For full-coverage car insurance, the cheapest insurer is NJM, with policies averaging $135 per month.
Edison’s overall average rate of $212 per month is slightly lower than the state average of $219 per month, according to Insurify data.
New Jersey law requires that every driver has access to the Basic Policy. This policy offers less protection than a standard policy, but it’s cheaper.[1]
Coverage Type | Basic Policy | Standard Policy |
|---|---|---|
| Bodily injury liability | No coverage, but $10,000 for all persons per accident is an option | Minimum: $35,000/$70,000 Maximum: $250,000/$500,000 |
| Property damage liability | $5,000 per accident | Minimum: $25,000 Maximum: $100,000 or more |
| Personal injury protection (PIP) | $15,000 per person, per accident Up to $250,000 for certain injuries | Minimum: $15,000 per person or accident Maximum: $250,000 or more (up to $250,000 for certain injuries, regardless of limit) |
| Uninsured/underinsured motorist (UM/UIM) | No coverage | Minimum: $35,000/$70,000 Maximum: Up to selected liability limits |
| Collision | Optional from some insurers | Optional |
| Comprehensive | Optional from some insurers | Optional |
But Edison drivers may opt for full coverage to protect themselves from severe weather and flooding. Parts of Edison are at high risk for flooding, especially near the Raritan River, so full coverage may be the better option for some drivers.
The following table shows the cheapest liability and full-coverage car insurance rates in New Jersey.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| NJM | $111 |
| Plymouth Rock | $132 |
| CSAA | $156 |
| Allstate | $169 |
| Direct Auto | $173 |
| Bristol West | $182 |
| Progressive | $187 |
| GEICO | $216 |
| Mercury | $224 |
| State Farm | $260 |
| Liberty Mutual | $261 |
| Travelers | $336 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| NJM | $136 |
| Plymouth Rock | $206 |
| CSAA | $239 |
| Progressive | $273 |
| GEICO | $276 |
| Allstate | $304 |
| Mercury | $309 |
| State Farm | $317 |
| Direct Auto | $320 |
| Liberty Mutual | $324 |
| Travelers | $409 |
At $212 per month, Edison’s average rates are slightly cheaper than the state average and well below rates in neighboring cities like Newark and Elizabeth. This could be partly due to Edison’s lower population density.[2][2]The following table shows how Edison’s average monthly rates compare to those in other New Jersey cities.
City | Average Monthly Quote |
|---|---|
| Brick | $177 |
| Toms River | $184 |
| Hoboken | $210 |
| Edison | $212 |
| Vineland | $213 |
| Bloomfield | $220 |
| Trenton | $233 |
| Kearny | $236 |
| Fair Lawn | $238 |
| Bayonne | $242 |
| Jersey City | $242 |
| Clifton | $243 |
| Fort Lee | $260 |
| Linden | $266 |
| Perth Amboy | $271 |
| Roselle | $274 |
| West New York | $274 |
| Plainfield | $275 |
| Camden | $282 |
| Paterson | $289 |
| Passaic | $293 |
| Elizabeth | $295 |
| East Orange | $305 |
| Irvington | $308 |
| Newark | $318 |
Below are some things to know about when driving through Edison, New Jersey:
Heavy traffic and congestion: Edison is the fifth-largest municipality in New Jersey, according to the city, and sits at the intersection of several major routes, including state routes 1 and 27 and I-287. That means congestion is common during the morning and evening rush hour, especially around the Menlo Park corridor.
Tourism: Edison has plenty of spots for tourists, especially the Thomas Edison Center at Menlo Park. Visitors can go to the museum, Memorial Tower, and walk through the 36-acre park. Having a high number of out-of-state drivers can increase traffic and the risk of car accidents.
Flood risk: Edison is at risk for flooding, especially along low-lying areas near the Raritan River. Drivers should monitor local weather alerts and avoid traveling in severe weather.
Parking issues: Edison does have parking shortages, especially around Amboy Avenue. But the city is exploring strategies to add additional public parking.
In Edison, traffic violations can lead to fines and penalties, and the amount depends on the severity of the offense. For example, you could receive an $86 fine for going 1–9 mph over the speed limit, a $96 fine for driving 10–14 mph over the speed limit, and the fines continue to get progressively higher.[3]
New Jersey is a no-fault state, which means that after an accident, both drivers will file a claim with their own insurance company, regardless of who caused the crash.[4] The following table shows the average monthly quote for different driving histories in Edison.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $212 |
| Speeding ticket | $284 |
| At-fault accident | $251 |
| DWI | $262 |
Edison is home to many young families, and a considerable percentage of the population is younger than 18. Nearly 24% of residents are younger than 18, and 16% of residents are seniors 65 and older, according to U.S. Census Bureau data.
In New Jersey, teen drivers can get their driver’s permit at age 16 and their probationary license at age 17. At 18, teens can upgrade to a basic license.[5] The following table shows the average liability rates for Edison drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $425 |
| 20s | $303 |
| 30s | $269 |
| 40s | $277 |
| 50s | $255 |
| 60s | $219 |
| 70+ | $211 |
*Quotes generated for Insurify users in and around Edison, New Jersey within the last 10 days. Last updated on November 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Edison, New Jersey within the last 10 days. Last updated on November 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
Edison’s average rates are lower than those of more populated cities like Elizabeth and Newark. Below, you’ll find additional information about finding cheap Edison car insurance.
Edison drivers pay an average monthly rate of $164 for liability coverage and $260 for full-coverage car insurance, according to Insurify data. Edison’s overall average monthly rate of $212 falls slightly below New Jersey’s statewide average of $219.
NJM offers the most affordable car insurance in Edison, with an average monthly liability rate of $110. But that doesn’t mean it’ll be the cheapest insurer for you, so it’s best to shop around and compare multiple car insurance quotes in Edison.
Car insurance companies consider your deductible, driving history, credit, and coverage options when determining your auto insurance rates. You may be able to lower your rates by bundling your auto and home or renters insurance or signing up for usage-based insurance.
You can find the most affordable coverage by bundling your auto, homeowners insurance, and life insurance. Drivers can also get a quote from multiple insurers and take advantage of any available discounts.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
