Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Edgewater, NJ for senior drivers are $4,510/year
  • The cheapest car insurance company in Edgewater after a DUI is GEICO
  • Average car insurance rates in Edgewater, NJ are $611/month

Average car insurance rates in Edgewater, New Jersey are $611 a month. But with a little research you can get a great deal from the top car insurance companies in Edgewater, NJ. Before you buy Edgewater, New Jersey car insurance, make sure your coverage meets or exceeds the New Jersey minimum of 15/30/5.

It may even be helpful to compare Edgewater car insurance rates with Bayonne car insurance rates, Trenton car insurance rates, or Camden car insurance rates to make sure you’re getting the best Edgewater, NJ car insurance quotes available.

Need affordable Edgewater, NJ car insurance? Enter your ZIP code to compare Edgewater car insurance quotes from multiple car insurance companies near you.

Edgewater, NJ Minimum Car Insurance Coverage

Edgewater, New Jersey law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Edgewater, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Edgewater, NJ Car Insurance Rates by Coverage Level

Some Edgewater drivers can get by with the New Jersey minimum coverage of 15/30/5. Other drivers may need more. See how much your Edgewater, New Jersey car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Edgewater, New Jersey

Insurance Company Low Medium High
Allstate $7,626 $8,463 $8,902
Farmers $9,084 $10,124 $11,431
GEICO $2,957 $3,393 $3,629
Liberty Mutual $6,744 $7,763 $8,098
Progressive $4,700 $5,316 $5,684
State Farm $10,230 $11,253 $11,803
Travelers $5,061 $5,594 $6,160

Edgewater, NJ Car Insurance Rates by Age, Gender, and Marital Status

Edgewater, New Jersey car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Edgewater, NJ car insurance, get quotes from multiple car insurance companies in the Edgewater area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Edgewater, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,004 $4,980 $4,877 $4,877 $15,830 $19,120 $5,922 $6,033
Farmers $6,527 $6,581 $6,373 $6,192 $18,886 $21,672 $7,729 $7,746
GEICO $2,704 $2,665 $2,651 $2,651 $4,951 $4,859 $3,130 $3,001
Liberty Mutual $4,986 $4,986 $5,478 $5,478 $12,923 $14,664 $5,478 $6,288
Progressive $2,677 $2,454 $2,407 $2,495 $12,317 $13,375 $3,170 $2,972
State Farm $6,404 $6,404 $5,814 $5,814 $21,375 $27,437 $7,328 $8,188
Travelers $4,328 $4,133 $4,020 $4,014 $9,540 $10,640 $4,133 $4,037

Edgewater, NJ Car Insurance Rates for Teens

How much is Edgewater, New Jersey car insurance for teens? Compare rates from top Edgewater car insurance companies below to help find the cheapest teen car insurance in Edgewater, NJ.

Annual Car Insurance Rates for Teen Drivers in Edgewater, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,830 $19,120
Farmers $18,886 $21,672
GEICO $4,951 $4,859
Liberty Mutual $12,923 $14,664
Progressive $12,317 $13,375
State Farm $21,375 $27,437
Travelers $9,540 $10,640

Edgewater, NJ Car Insurance Rates for Seniors

Before seniors buy Edgewater, New Jersey car insurance, they should make sure to shop around. Some Edgewater, NJ car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Edgewater, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,877 $4,877
Farmers $6,373 $6,192
GEICO $2,651 $2,651
Liberty Mutual $5,478 $5,478
Progressive $2,407 $2,495
State Farm $5,814 $5,814
Travelers $4,020 $4,014

Edgewater, NJ Car Insurance Rates by Credit History

How does your credit history affect Edgewater, NJ car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Edgewater, New Jersey

Insurance Company Poor Fair Good
Allstate $11,700 $7,445 $5,847
Farmers $12,293 $9,451 $8,896
GEICO $5,030 $2,876 $2,073
Liberty Mutual $9,558 $7,078 $5,969
Progressive $5,891 $5,111 $4,698
State Farm $16,098 $9,670 $7,518
Travelers $7,666 $5,502 $3,649

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Edgewater, NJ Car Insurance Rates by Driver History

How does a single speeding ticket affect your Edgewater, New Jersey car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Edgewater.

Annual Edgewater, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,207 $10,443 $9,085 $7,586
Farmers $7,925 $13,436 $10,986 $8,507
GEICO $2,577 $3,403 $4,748 $2,577
Liberty Mutual $7,234 $8,287 $7,384 $7,234
Progressive $4,455 $6,087 $5,150 $5,242
State Farm $5,986 $10,981 $17,698 $9,717
Travelers $4,271 $6,454 $6,234 $5,463

Edgewater, NJ Car Insurance Rates With a DUI

Even a single DUI can increase your Edgewater, NJ car insurance rates. Compare rates below to see which Edgewater car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Edgewater, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $9,085
Farmers $10,986
GEICO $4,748
Liberty Mutual $7,384
Progressive $5,150
State Farm $17,698
Travelers $6,234

Edgewater, NJ Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Edgewater, NJ car insurance rates may be. Let’s take a look at average car insurance rates from top Edgewater companies based on commute time.

Annual Car Insurance Rates by Commute Length in Edgewater, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,315 $8,346
Farmers $10,213 $10,213
GEICO $3,298 $3,355
Liberty Mutual $7,462 $7,608
Progressive $5,233 $5,233
State Farm $10,799 $11,392
Travelers $5,605 $5,605

Edgewater, NJ Cheapest Car Insurance Rates

How do the top Edgewater, New Jersey car insurance companies’ average rates stack up against the Edgewater average monthly car insurance rates of $611? Take a look and see.

Best Annual Car Insurance Rates by Company in Edgewater, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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Edgewater, NJ Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Edgewater, New Jersey car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Edgewater, New Jersey

Insurance Company Average Annual Rates
Allstate $8,330
Farmers $10,213
GEICO $3,326
Liberty Mutual $7,535
Progressive $5,233
State Farm $11,095
Travelers $5,605

Other Factors Affecting Edgewater, NJ Car Insurance Rates

Before you buy Edgewater, New Jersey car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Edgewater, NJ Commute Time

How does your Edgewater, NJ commute time compare with the average driver? In Edgewater, the average commute is 42.3 minutes.

Edgewater, NJ Car Insurance Quotes

Compare Edgewater, NJ car insurance quotes from multiple companies by entering your ZIP code now.