Edison Auto Insurance Rates, Quotes, Agents & Reviews in NJ

Edison, NJ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Edison, NJ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Ways to Lower the Cost of Auto Insurance in Edison, NJ

The average cost of auto insurance in Edison, NJ, is $1,176. This is lower than in most neighboring places such as Providence Village, Highland Village, Copper Canyon, and the state of Texas. Residents of Edison should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Edison.


Multi-Car Insurance:

Car owners in Edison, NJ, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Edison, NJ, is $3,010, while it would cost $6,020 for four cars. The savings on multi-car insurance in Edison also depends on the make and model of the vehicle.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Edison, NJ, post-DUI, increases to $2,963. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Edison. Other violations that can have a long-term impact on auto insurance in Edison include driving with an expired license and running a red light. 

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.


Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Edison on a low deductible ($500) is $1,782. It decreases to $1,505 when the deductible is higher ($1,000).

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Edison, NJ. While an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can decrease from $2,822 when the credit score is poor, to around $1,484 when the credit score is “exceptional”. 

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. A passive disabling device fetches the most amount of savings.

Factors that can influence the cost of car insurance in Edison, NJ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Edison, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Edison, NJ with that of other cities in and around Edison.

Edison Metuchen South Amboy South River Sayreville Perth Amboy
Average Insurance Rates $1,730 $1,748 $1,680 $1,685 $1,470 $1,663

Edison, NJ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Edison, NJ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Edison $1,782 $1,505
Metuchen $1,482 $1,252
Sayreville $1,215 $1,027
Fords $1,646 $1,390
South Amboy $1,730 $1,462
Highland Park $1,634 $1,380
Perth Amboy $1,389 $1,174
South River $1,409 $1,190

Edison, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Edison, NJ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,614
20 Years $2,223
30 Years $1,712
40 Years $1,647
50 Years $1,525
60 Years $1,547
70 Years $1,800

Edison, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Edison, NJ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,010 $450
3 Vehicles $4,515 $675
4 Vehicles $6,020 $900

Savings on 2 Vehicles bundle:$450

Savings on 3 Vehicles bundle:$675

Savings on 4 Vehicles bundle:$900

Edison, NJ Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Edison, NJ.

Location Average Insurance Cost Post DUI Insurance Rate
Edison $1,730 $2,963
Metuchen $1,748 $2,994
Sayreville $1,470 $2,518
Fords $1,688 $2,891
South Amboy $1,680 $2,878
Highland Park $1,723 $2,951
Perth Amboy $1,663 $2,849
South River $1,685 $2,886

Edison, NJ Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,484
Excellent (740-799) $1,694
Good (670-739) $1,803
Average (580-669) $2,352
Poor (300-579) $2,822

Edison, NJ Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
American Insurance Services Liberty Mutual Independent 1129 RARITAN RD, CLARK, 7066 732-680-4444
Raritan Agency Inc Travelers 754 ROUTE 18 STE 101, EAST BRUNSWICK, 8816 732-238-6060
Christine Veliz Farmers 229 Bloomfield Ave, Newark, 7104 (973) 482-1975
Donald Dutton Farmers 780 Livingston Ave Ste 2, North Brunswick, 8902 (732) 565-0085
Constance Connie Bases Farmers 386 New Brunswick Ave, Fords, 8863 (732) 661-6386
Kape Insurance Agency Inc Travelers 510 HAMILTON BLVD, S PLAINFIELD, 7080 908-757-6666
Morstan General Agency Of New Jersey Inc Travelers 1460 ROUTE 9 NORTH, WOODBRIDGE, 7095 732-726-1400
John Gatto State Farm 236 Bridge St, Metuchen, 08840-2292 732-548-5595
Paul Tye Farmers 347 Plainfield Ave Ste 103, Edison, 8817 (732) 709-7778
Michael Poller Farmers 610 W Saint Georges Ave, Linden, 7036 (908) 587-2886

Edison, NJ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$76 $1,806
Driver's Failure In Showing Documents +$168 $1,898
Driving With An Expired Registration +$178 $1,908
Driving At A Considerably Slow Pace +$375 $2,105
Using A Cellphone While Driving +$396 $2,126
Running A Red Light +$403 $2,133
Speeding +$424 $2,154
Driving A Vehicle Without The Required Permission +$538 $2,268
Driving With An Expired/Suspended License +$1,166 $2,896

Edison, NJ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,661
Active Disabling Device $1,661
Tracking Device $1,626
Passive Disabling Device $1,609