Edison, NJ Auto Insurance | Cheap Car Insurance in Edison, NJ

The average rates of New Jersey are around $82. For Edison, NJ auto insurance, rates can be lower. Listed among the best Edison, NJ auto insurance companies, Allstate provides $51 monthly rates. Getting cheap car insurance in Edison, NJ depends on your age, credit score, gender and more.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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The requirements for New Jersey auto insurance minimum liability are 15/30/5. Residents shopping for cheap car insurance in Edison, NJ can get affordable rates. Allstate, Mercury, Cal Casualty, State Farm, and Amica are a few of the affordable Edison, NJ car insurance companies. For Edison, NJ auto insurance, Allstate provides $51 monthly rates.

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+)”.

Are you looking for cheap auto insurance in Edison, NJ? With AutoInsuranceEZ.com, 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.

Edison, NJ Driving Facts

The auto insurance coverage requirements in New Jersey are:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 5,000 50,000
Uninsured Motorist Bodily Injury 15,000/30,000 15,000/30,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 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, rates as low as $36/mo* or more is what is the average cost of car insurance in Edison if you act quickly!

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Edison Auto Insurance Rates by Provider

Average Monthly Auto Insurance PremiumsLegend: Edison Allstate Mercury Cal Casualty State Farm Amica 102030405060708090100$51$64$68$86$102

 

There are a number of companies offering competitive rates, like GEICO Insurance in Edison, NJ; however, most drivers can get fairly low rates 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.

Edison, NJ auto insurance companies 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.

Major Factors in Cheap Car Insurance in Edison, New Jersey

There is a number of various things that may factor into the Edison, NJ auto insurance 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 CodeLegend: Newark Paterson Elizabeth Edison Jersey City Allstate Mercury Cal Casualty State Farm Amica 153045607590105120135150$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, NJLegend: Edison Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 5101581339182

 

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 PolicyLegend: Basic Coverage Comprehensive Coverage Allstate Mercury Cal Casualty State Farm Amica 20406080100120140160180$51$101$64$104$68$150$86$146$102$183

 

Edison Car Insurance Rates by Credit Level

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 ScoreLegend: Excellent Credit Poor Credit Allstate Mercury Cal Casualty State Farm Amica 20406080100120140160180$46$46$56$100$59$113$71$159$80$186

 

Auto Insurance Premiums by Age in Edison

Getting affordable Edison, NJ auto 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 ComparisonLegend: 34 Year Old Male 17 Year Old Male Allstate Mercury Cal Casualty State Farm Amica 50100150200250300350400450$51$156$64$465$68$166$86$271$102$318

 

Edison Auto Insurance Rates by Accident and Citation History

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 ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Mercury Cal Casualty State Farm Amica 50100150200250300350400$51$59$69$80$64$92$89$107$68$96$210$129$86$143Do 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/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Mercury Cal Casualty State Farm Amica 20406080100120140160180$51$121$64$122$68$155$86$169$102$194

 

Minor Factors in Cheap Auto Insurance in Edison, New Jersey

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

Edison Auto Insurance Rates by Gender and Marital Status

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.

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 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 Edison, NJ auto insurance 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 and get the cheapest car insurance in Edison, NJ.

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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 car insurance cost was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

New Jersey Division of Insurance

New Jersey Office of Public Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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