Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Are you looking for cheap auto insurance in Edison, NJ? With, you’ll find the best insurance premiums locally. To acquire free car insurance rates offered by the major providers right away, type in your local zip code within the quote box in this posting.

What is today known as Edison Township has gone by many different names since its founding, but the name was officially changed in the mid 1950’s in honor of Thomas Edison, the famous inventor who spent many years of his life in the city. Edison has received awards for being one of “America’s Safest Cities” and one of the “Best Places to Live” in the US from several major publications.

  • Fun fact: Are we there yet? Because Edison is #52 on the list of “Top 100 cities with longest commuting times (pop. 50,000+)”. Thinking of learning more about Edison? Click here!

Auto Insurance Coverage Requirements in New Jersey

Driving legally in Edison requires:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability5,00050,000
Uninsured Motorist Bodily Injury15,000/30,00015,000/30,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

Most states will only make you purchase Liability coverage, but New Jersey is also a state which requires some Uninsured Motorist coverage. Having this additional form of coverage on your New Jersey car insurance policy will protect you if someone without insurance (or someone who hits you and runs) is deemed liable for the accident.

Your typical New Jersey Motorist is likely paying around $82 each month in automobile insurance premiums. However, living in Edison gives you a distinct advantage – you can actually find rates as low as $36/mo* or more if you act quickly!

Average Monthly Auto Insurance Premiums Legend: Edison Allstate Mercury Cal Casualty State Farm Amica 10 20 30 40 50 60 70 80 90 100 $51 $64 $68 $86 $102


Most drivers can get a fairly low quite in Edison from either Liberty Mutual, State Farm, or Amica. But keep in mind that certain companies charge either drastically more (or delightfully less) for certain circumstances based on age, credit score, and your driving history. Just be sure to do your research into each company before you decide to switch.

Auto insurance carriers contemplate various elements when establishing quotes, especially gender, geography, credit score/rating, education, and theft protection devices. On top of that, premiums might vary from provider to provider. To verify you are still paying the best fee, examine New Jersey car insurance rates over the internet.

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Major Car Insurance Factors in Edison

There is a number of various things that may factor into the rate quotes you are offered. While many specific elements aren’t really anything you can do something about, some of them are elements that you can change for the better. Here are some elements which might change your automobile insurance premium:

Your Zip Code

Your car insurance rates could vary based on where you call home. In general, highly populated urban centers possess higher auto insurance rates as the additional number of drivers on the highway raises the likelihood of a collision! The total population of Edison amounts to 101,207 and also the normal family income is $87,228.

Auto Insurance by Zip Code Legend: Newark Paterson Elizabeth Edison Jersey City Allstate Mercury Cal Casualty State Farm Amica 15 30 45 60 75 90 105 120 135 150 $72 $71 $72 $51 $72 $96 $96 $93 $64 $78 $100 $99 $96 $68 $86 $124 $124 $124 $86 $109 $164 $164 $163 $102 $144


Automotive Accidents

For any zip code in which serious, fatal accidents are on the rise, your local providers will likely raise monthly rates in that area. The accident statistics for Edison are displayed in the chart below. Considering the population and the region, these numbers might be running a little high. Talk to your agent about any Safe Driver discounts you might qualify for to offset any region-based rate hikes.

Fatal Accidents in Edison, NJ Legend: Edison Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 8 13 3 9 18 2


Auto Thefts in Edison

Obtaining inexpensive auto insurance can be difficult should you be vulnerable to auto theft. Certain popular car or truck models usually are attractive to thieves, in addition to cars or trucks which are left frequently in big urban centers. Although Edison is #23 on the list of America’s 371 safest cities and auto theft statistics are fairly low, the state has some of the highest rates of car theft in the entire country. Your insurance company will take this into account when crafting your policy, and will likely suggest that you add some Comprehensive coverage in order to protect yourself.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate Mercury Cal Casualty State Farm Amica 20 40 60 80 100 120 140 160 180 $51 $101 $64 $104 $68 $150 $86 $146 $102 $183


Your Credit Score

Your credit score is one of those personal attributes which can either help you or haunt you throughout your life. If you have perfect credit, then there’s nothing to worry about; you’re probably already paying the lowest possible rate. However, anything less than perfect credit will result in an inflated monthly premium.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate Mercury Cal Casualty State Farm Amica 20 40 60 80 100 120 140 160 180 $46 $46 $56 $100 $59 $113 $71 $159 $80 $186


Your Age

Getting affordable insurance for any driver under the age of 25 is a difficult task. Students are fortunate enough that they can take advantage of Good Student discounts and take Driver’s Ed courses, which will help lower monthly premiums. Until they develop experience behind the wheel, however, things will remain fairly expensive.

Auto Policy Age Comparison Legend: 34 Year Old Male 17 Year Old Male Allstate Mercury Cal Casualty State Farm Amica 50 100 150 200 250 300 350 400 450 $51 $156 $64 $465 $68 $166 $86 $271 $102 $318


Your Driving Record

Some New Jersey insurance providers are particularly harsh when it comes to DUIs or serious, at-fault accidents, as you can see in the chart below. But regardless of what is on your record, you will have to pay higher rates for having violations on it – unless you qualify for an accident forgiveness discount, that is. Ask your insurance agent for more information.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Mercury Cal Casualty State Farm Amica 50 100 150 200 250 300 350 400 $51 $59 $69 $80 $64 $92 $89 $107 $68 $96 $210 $129 $86 $143 Do Not Sell $316 $102 $138 $425 $102


Your Vehicle

It would be silly to insure a $300,000 luxury vehicle with only $30,000 in Liability coverage – you’d still have to pay the difference (up to $270,000) in order to repair or replace your vehicle, and that’s only if the accident is your fault. That’s why luxury vehicle insurance is so much more expensive than the bare minimum. If you’re going to insure an expensive automobile, you’re going to want to purchase large amounts of several different coverage types.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Mercury Cal Casualty State Farm Amica 20 40 60 80 100 120 140 160 180 $51 $121 $64 $122 $68 $155 $86 $169 $102 $194


Minor Car Insurance Factors in Edison

Some people are unaware of one or more of the factors above. Yet still more drivers aren’t aware of these factors either:

Your Marital Status

Married couples are in the best position imaginable to take advantage of bundling discounts. Not only can you and your spouse combine your auto policies into one and reap some serious savings, but you can bundle additional forms of coverage, such as homeowner’s or RV insurance, if your provider offers such policies.

Your Gender

Did you know that, statistically speaking? Women are just as likely to get into an auto accident as men are? Which explains why most providers these days don’t discriminate much based on gender alone anymore – if there’s no inherent risk, then there’s no reason for your insurance company to charge you more based on gender.

Your Driving Distance to Work

The average commute time for Edison drivers usually lasts somewhere between 35-38 minutes. Most drivers, around 75%, will choose to drive to work each day alone in their own car, while 8% will carpool with their co-workers. 4% will take the train in to work.

Did you know that business vehicles will cost at least 11% more each month in premiums than personal use vehicles? Therefore, if you can help it, try to make sure you use your car, truck, or SUV for personal purposes only.

Your Coverage and Deductibles

The deductible is the amount of money you pay your insurance company so that they will fix or replace your vehicle in the event of any damage or theft. Raising your deductible will prompt most companies to lower your monthly premiums – just make sure you have some extra money saved away so that, in case the worst happens, you can afford that higher deductible.

Education in Edison, NJ

Edison is a well-educated city; more than one-quarter of the population has earned a bachelor’s degree. Another 23% have also successfully completed their high school requirements for a diploma. If you are one of these educated drivers in Edison, you might want to check with your car insurance company – many providers offer lower rates to motorists with advanced degrees. This is even more common than getting low rates for having a specific job, or getting cheaper premiums for having a large salary.

For those Edison residents who have higher education needs, there are several public and private options to consider. Rutgers operates its Livingston Campus there, and Middlesex County College offers two-year programs for students who want a professional degree in less time. Lincoln Tech, a private, for-profit school, offers its students degrees in Computer Networking and Nursing.

Establishing your own personal financial risk can be extremely challenging or impossible for the standard insurance shopper. Insurance companies have an edge on buyers because of their data and experiential know-how. Uncover the things insurance agencies don’t really want anyone to be aware of.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


New Jersey Division of Insurance

New Jersey Office of Public Finance

Department of Highway Safety and Motor Vehicles

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