Cheap Auto Insurance Quotes in Edison, NJ (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Garden State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

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.

Quotes by Top Carriers
Quotes ($/mo)
$86
$210
$252
ProgressiveTravelersState Farm
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$279
$317
$295
$304
$294
$183
New JerseyNewarkJersey CityPatersonElizabethEdison
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Edison, NJ Driving Facts

new-jersey

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.

Driving History
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.

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.

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

Insurify Insights: How Edison Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Edison, NJ
suspended licenses
#9
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Edison drivers measure up to their fellow New Jersey motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Edison

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 paid on average 56.94% more than drivers with a clean record

Speeding Edison

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 paid on average 45.93% more than drivers with a clean record

DUI/DWIs Edison

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 paid on average --% more than drivers with a clean record

Most Popular Vehicle Edison

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 Civic.


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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.