Cheap Auto Insurance Quotes in Edison, NJ (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

As a “commuter town,” Edison, New Jersey, has many residents who need an easy way to get to their jobs in nearby New York City. But the Big Apple isn’t the only place Edison residents are headed. With over 300 miles of roadways in the city, this veritable transportation hub sends residents to Boston, Philadelphia, Trenton, and Washington, D.C.

Living in such a central stop in the transportation network of the Northeast, residents naturally need a way to get around. And for most, this involves getting behind the wheel of their own car—which of course needs to be insured. Investing in robust, affordable car insurance should be a top priority for any driver living in Edison, New Jersey.

Car Insurance in Edison, NJ

The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Edison, NJ to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Edison, NJ

Here are the cheapest carriers in Edison for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Edison, NJ

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Edison. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Edison, NJ Driving Facts

Minimum Car Insurance Requirements in NJ

New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:

  • $5,000 of property damage liability per accident

The standard policy liability limits are as follows:

  • $15,000 of bodily injury liability insurance per person, per accident
  • $30,000 of bodily injury liability for multiple injured people per accident
  • $5,000 of property damage liability per accident
new-jersey

Edison Car Insurance Rates by Driver Age

The average car insurance rates in Edison prove that younger drivers tend to cost more to insure compared to their more seasoned counterparts. Teenage drivers can expect to pay the highest rates, with an average premium cost of $609.06, while older drivers only pay a fraction of that cost. Drivers in their 60s and 70s are among the groups of drivers with the lowest anticipated average premium, at $157.43 and $128.00, respectively.

Driver's AgeAvg. Monthly Cost
teens$610
20s$330
30s$199
40s$235
50s$430
60s$158
70s$128
80sN/A
Driving HistoryAvg. Monthly Cost
No Violation$206
Speeding Ticket$309
At-Fault Accident$399
Failure to Stop for Red Light / Stop SignN/A

Edison Car Insurance Rates by Driving and Accident History

The significance of keeping a clean driving and accident record is substantial, especially if you live in Edison. Many insurance companies reward safe and responsible drivers with lower average premium rates, which is why those with no violations should expect to pay $205.55. Others with a more extensive record may pay more, depending on the severity of the violations. Typically, a speeding violation will result in an average premium of $308.37, while an at-fault accident can lead to premiums around $398.39.

Edison Car Insurance Rates by Credit Tier

Having a good credit rating is beneficial for multiple things, including getting approved for a loan and securing lower average insurance premium rates. In Edison, drivers with a good credit score will be happy to know their average premium is among the lowest at $183.56. Conversely, those with an average rating may experience the highest average premium and should expect to pay around $379.26 for coverage. Unlike other places across the country, there are options for drivers with a poor credit score to get average premiums around $200.

Credit TieAvg. Monthly Cost
Excellent$224
Good$184
Average$380
Poor$201

Edison, NJ DMV Information

The State of New Jersey Motor Vehicle Commission is located at 45 Kilmer Rd., Edison, NJ 08817, and is open Tuesday through Saturday. Call ahead at 1 (888) 486-3339 to learn what hours they are open and book an appointment ahead of time.

Public Transportation in Edison, NJ

As we’ve said, Edison is known as a commuter town. But are residents using public transportation to commute? Absolutely. NJ Transit northbound trains leaving Edison Station bring residents to Penn Station in New York and Newark. This line also features connecting service to SEPTA and Amtrak.

Conclusion: How to get the best and cheapest car insurance in Edison, NJ

Whether you’re commuting to New York City or just trying to get around Edison itself, you need a car insurance policy that fits your lifestyle and budget. To access free quotes from a range of auto insurance providers, head over to Insurify, and enter information about your background, vehicle, and driver history.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Edison stacks up for the state of New Jersey:

honda
Honda Accord
Most Popular Car in
Edison, NJ
suspended licenses
#8
Cities with Most
Suspended Licenses Rank

Green Driving in Edison, NJ

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of New Jersey offers many green driver incentives, including federal tax credits, a green pass discount for New Jersey E-ZPass customers, and discounts through some car insurance carriers.

Greenes Cities

Edison

Greenes Cities
% of Hybrids / Electrics
3%

FAQs - Edison, NJ Car Insurance

Do major insurance carriers have offices in Edison?

State Farm, Allstate, AAA, Farmers, and GEICO all have outposts in Edison, NJ. Additionally, several smaller regional insurance providers are based in Edison, giving residents plenty of options when it comes to getting insured.

Will my credit score affect my car insurance rates in Edison?

Car insurance companies in New Jersey have the right to adjust your car insurance rates based on your credit score. A high credit score tells the insurance company that you’ll pay bills in a timely manner, which means they may offer you lower premiums.

Who offers the cheapest car insurance in my area?

Car insurance prices vary by state, driver history, and several other factors. To help you find the right policy at the right price, use Insurify to easily compare 10+ free quotes from a wide range of companies.