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How much is car insurance in Edison?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Edison is about $19 cheaper than it is in the rest of New Jersey.
Drivers relocating the Edison should take note of the differences in average rates. Coverage in Edison is about $6 more expensive than it is for the rest of the U.S.
While these are the average car insurance rates for Edison, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Edison and broken down the different factors to help you understand what your monthly bill might look like. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Edison.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly auto coverage, the difference in Edison is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Edison, a driving record with a single accident will usually get you a rate around $97 a month. In addition, drivers with a single ticket on their record can expect to pay around $100 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$90|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Edison, with drivers paying around $78 per month for insurance.
Cars and SUVs, however, usually cost about $88 for insurance coverage.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Edison, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
Overall, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Edison reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $11 less than drivers who own property in Edison. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Edison, NJ
Recent trends in car insurance for Edison drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Edison, the rates for auto insurance declined from 2017-2019, before steadying out in 2020. Rates finished up in 2022, at $105 a month
How does Edison compare to neighboring areas?
Why are car insurance rates in Edison different from other areas?
Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Local crime rates
- Road safety
- Area laws
- Access to off-street parking
- Number of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Edison?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Edison.
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Edison Insurance FAQs
What factors affect car insurance quotes in Edison?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Edison different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Edison?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Edison?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Edison or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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