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Cheap Auto Insurance Quotes in Edison, NJ (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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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.

Quick Facts

  • The average cost of car insurance in Edison is $238 per month, or $2856 annually.
  • Car insurance in Edison is $2 less than the average cost of car insurance in New Jersey.
  • The cheapest car insurance provider in Edison on average is Plymouth Rock, but you should always compare quotes to find your best personal rate.

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.

Quotes by Top Companies

Progressive
$86
Travelers
$210
State Farm
$252

Cheapest Car Insurance in Edison, NJ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in EdisonQuotes
Progressive$86 /mo
Travelers$210 /mo
State Farm$252 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Edison. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Liberty Mutual82$233 /mo
Mercury81$290 /mo

Average Car Insurance Cost

New Jersey Cities
Newark$317/mo
Jersey City$303/mo
Paterson$304/mo
Elizabeth$294/mo
Edison$183/mo
New Jersey$280/mo
Edison
$183
Average for NJ
$280
Elizabeth
$294
Jersey City
$303
Paterson
$304
Newark
$317
Click here to learn about car insurance quotes and save on your current policy.

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

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

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.

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

Find local Edison agents

  • Fraser Brothers Group, LLC 

    811 Amboy Ave,
    Edison, NJ 08837
  • Stern & Dragoset Inc. 

    2 Ethel Rd Ste 202B,
    Edison, NJ 08817-2839
  • Nj Group Services LLC

    22 Meridian Rd,
    Edison, NJ 08820
  • Farmers Insurance - Dong Wang

    24 Campus Dr,
    Edison, NJ 08837,
  • Pratibha Katariya: Allstate Insurance

    1093 Inman Ave,
    Edison, NJ 08820
  • GEICO Insurance Agent

    2122 Lincoln Hwy,
    Edison, NJ 08817
  • Nj Group Services LLC

    22 Meridian Rd,
    Edison, NJ 08820
  • Auto Insurance Network

    1 NJ-27,
    Edison, NJ 08820
  • Allstate Insurance: Advantage Insurance Agency Inc

    1967 NJ-27 Ste 28,
    Edison, NJ 08817
  • Pratibha Katariya: Allstate Insurance

    1093 Inman Ave,
    Edison, NJ 08820
View more

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.

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.

FAQs - Edison, NJ Car Insurance

  • 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.
  • 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.
  • 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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Edison Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Edison, New Jersey below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Edison drivers measure up to their fellow motorists across New Jersey in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Edison

#11

City with the Most Speeding Tickets Rank in New Jersey

#39

City with the Most Moving Violations Rank in New Jersey

#22

City with the Most DUIs Rank in New Jersey

#25

City with the Most Suspended Licenses in New Jersey

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Edison drivers rank 15 in the number of car accidents per driver across all cities in New Jersey.

    • Rank within state: #15
    • Percent of drivers in Edison with an accident: 8.72%
    • Drivers in Edison, NJ with an accident in their driving history pay on average 56.94% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Edison drivers rank 11 in the number of speeding infractions per driver.

    • Rank within state: #11
    • Percent of drivers in Edison with a speeding ticket: 5.74%
    • Drivers in Edison, NJ with a speeding ticket in their driving history pay on average 45.93% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Edison drivers rank 22 in the number of DUI’s per driver across all cities in New Jersey.

    • Rank within state: #22
    • Percent of drivers in Edison with a DUI: 0.85%
    • Drivers in Edison, NJ with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Edison is the Honda Accord.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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