Best Auto Insurance Rates in Edison, New Jersey

On average your neighbors pay $104 a month.

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Edison, New Jersey, may be a smallish city--its population is just under 100,000 people—but it has a future as bright as its past. How so? The city is named after none other than Thomas Edison, whose Menlo Park laboratory is still located there. This is where he invented the light bulb and where sound was first recorded.

Average Edison Car Insurance Rates

How much is car insurance in Edison, NJ? Edison has some of the highest insurance rates in the US. Which makes sense, as New Jersey is the most expensive state in America for car insurance. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

Prices will vary depending on several factors including your driving record and the number of points on your driver's license, limits, coverage, and the number of claims filed in your zip code.

New Jersey Average Annual Car Insurance Rates
Coverage Rates
Liability $869.57
Collision $381.86
Comprehensive $131.35
Total Cost Per Year $1,265.69
Price Per Month $104.72
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New Jersey insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New Jersey car insurance rates increased from $1,186 in 2011 to $1,263 in 2015, a jump of $79, or 6.70 percent.

New Jersey average car insurance rates

QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Edison, New Jersey and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare auto insurance quotes in Edison, NJ from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Edison, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Edison, New Jersey last year. Of these users, 11 were uninsured.

Other popular Edison, New Jersey car insurance companies: USAA, MetLife, Hartford, AIG, Country Financial, Erie, High Point, and Kemper.

Top 10 Vehicles in Edison

These are the most common car makes and models owned by Edison, NJ drivers who requested quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Honda Civic LX/EX
  3. Honda CR-V LX/EX
  4. Nissan Altima 2.5 S
  5. Toyota Camry LE/XLE/SE
  6. Toyota Corolla CE/LE/S
  7. Toyota Highlander
  8. Jeep Liberty Limited
  9. Ford F150
  10. Honda Odyssey EXL
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Minimum Auto Insurance Requirements in Edison, NJ

Edison, New Jersey has a minimum coverage requirement known as the 15/30/5 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most an insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total an insurance carrier will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $15,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

Edison drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Edison, New Jersey, has a warm and humid climate. That means people who live or visit here get to enjoy long, hot summers. They get a lot of sun too—as the area sees around 206 days of full or partial sunshine each year. That’s not to suggest Edison never has to deal with bad weather. On the contrary, it regularly experiences weather conditions that affect its citizens’ insurance rates. For example, on average it sees 122 days with some amount of precipitation annually. Those days can produce rain or snow, both of which cause slick roads and dangerous driving conditions. Edison gets about 50 inches of rain and 30 inches of snow every year.

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads costs motorists a total of $6.9 billion annually—$632 per motorist—in extra vehicle operating costs. 

If you want to report a pothole in Edison, contact the Pothole Hotline at 732-404-8600. Or fill out a service request form.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The Motor Vehicle Violations section of the Edison Township Municipal Court website gives you information about penalty costs and traffic tickets.

The Edison Township Municipal Court filed 18,844 traffic cases in 2015. That’s an 18 percent decrease from the 23,013 traffic cases filed in 2014.

DWI's Case Filings

The Edison Township Municipal Court filed 178 DWI cases in 2015. That’s a 30 percent increase from the 137 DWI cases filed in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Edison DWI insurance.

Car Accident Statistics

Middlesex County reported 30,193 car accidents in 2014. That’s a 5 percent increase from the 28,791 car accidents in 2013.

Traffic Fatalities

Middlesex County reported 52 traffic fatalities in 2013. That’s a 20 percent decrease from the overwhelming 65 traffic fatalities in 2012.

Car Insurance Discounts in Edison

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Edison, NJ. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Get married. Some insurance companies offer a discount to married drivers
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  7. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  10. Shop around and compare low-cost Edison auto insurance quotes

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