Cheapest Car Insurance Quotes in Edgewater

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Edgewater Car Insurance

^$ 84

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Edgewater

The car insurance rate in Edgewater is $1696 for a six-month policy, which is $458 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1058, making it a popular choice for budget-conscious drivers. Rates in Edgewater can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Edgewater

$1696

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Edgewater

1st place: New Jersey Manufacturers

At $1058 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1278 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1293 for six months, making it the third cheapest auto insurance company in Edgewater.

Edgewater Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Edgewater, NJ is New Jersey Manufacturers, offering policies at just $1058 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1278.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2824 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edgewater drivers find the best deals.

Cheap Car Insurance Companies in Edgewater, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1058	$177
New Jersey Skylands Insurance	$1278	$218
NJM	$1293	$218
Plymouth Rock	$1408	$237
Progressive	$1481	$249
Travelers	$1578	$266
Amica Mutual	$1791	$299
Allstate	$1847	$311
State Farm	$1993	$336
Selective	$2107	$355
Farmers	$2824	$471

Key Takeaways

Way's key takeaways about car insurance in Edgewater

The auto insurance costs in Edgewater fall around $1058 for six months.
The cheapest auto insurance company in Edgewater is New Jersey Manufacturers.
Teen drivers pay the highest rate in Edgewater at $1433 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Edgewater

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Edgewater are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Edgewater. Their Average 6 Month Premium is $488. Farmers is the most expensive at $1408 for the same period.

Cheapest Liability Coverage in Edgewater, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$488	$84
Plymouth Rock	$659	$111
NJM	$675	$114
New Jersey Skylands Insurance	$717	$119
Amica Mutual	$733	$125
Amica	$838	$140
Progressive	$838	$141
Travelers	$863	$145
State Farm	$903	$152
Allstate	$1001	$169
Selective	$1115	$188
Farmers	$1408	$234

Cheapest Full Coverage Car Insurance in Edgewater

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Edgewater is New Jersey Manufacturers at $177 per month and $1058 for six months.

Cheapest Full Coverage Car Insurance Quotes in Edgewater, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1058	$177
New Jersey Skylands Insurance	$1278	$218
NJM	$1293	$218
Plymouth Rock	$1408	$237
Progressive	$1481	$249
Travelers	$1578	$266
Amica Mutual	$1791	$299
Allstate	$1847	$311
State Farm	$1993	$336
Selective	$2107	$355
Farmers	$2824	$471

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Average Car Insurance in Edgewater by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Edgewater, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Edgewater, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Edgewater's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Edgewater

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$1051
30s	NJM	$817
40s	NJM	$756
50s	NJM	$697
60s	NJM	$643

Cheapest Car Insurance Rates for Teen Drivers in Edgewater,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Edgewater at $125 per month. At $8431 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$733	$125
NJM	$1465	$247
New Jersey Manufacturers	$2425	$412
Travelers	$3418	$575
Selective	$3703	$623
Plymouth Rock	$3841	$647
Amica Mutual	$4288	$729
Allstate	$4655	$784
Progressive	$4703	$792
State Farm	$5575	$938
Farmers	$8431	$1433

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Edgewater.

As young drivers face the highest rates in Edgewater, NJM offers the cheapest auto insurance rates at $1051 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Edgewater, Amica Mutual is the cheapest car insurance provider. At $895 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Edgewater is State Farm, offering rates of around $9904 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$895	$152
New Jersey Skylands Insurance	$1123	$188
Foremost	$1254	$214
NJM	$1570	$264
Progressive	$2018	$340
Plymouth Rock	$2084	$351
Farmers	$3743	$637
Selective	$4329	$722
Travelers	$4622	$786
Allstate	$4842	$807
State Farm	$9904	$1684

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Car Insurance Rates with An Accident in Edgewater

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Edgewater, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Edgewater

The cheapest car insurance companies after an at-fault accident in Edgewater include New Jersey Skylands Insurance and NJM, offering $863 and $919, respectively. Farmers is an expensive provider with an average six-month premium of $5469.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$863	$144
NJM	$919	$155
New Jersey Manufacturers	$1115	$186
Plymouth Rock	$1163	$196
Amica Mutual	$1384	$233
Progressive	$1945	$327
Selective	$2637	$444
Travelers	$2702	$455
State Farm	$3125	$526
Allstate	$4883	$822
Farmers	$5469	$911

Edgewater Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Edgewater NJ. For example, the car insurance in Edgewater after a DUI increases to $1727 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Edgewater auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1586	$264
One Med/PIP claim	$1595	$271
Not-at-fault accident	$1669	$278
One comp claim	$1685	$286
Two Med/PIP claims	$1693	$282
Speeding 6 - 10 MPH over limit	$1823	$310
Speeding 11 - 15 MPH over limit	$1832	$306
Two comp claims	$1832	$311
Failure to show documents	$1855	$310
At-fault accident - less than $1000	$1880	$319
Failure to wear a seat belt	$1904	$318
Driving too slowly	$1913	$325
Driving without lights	$1921	$321
Child safety restraint	$1954	$332
Driving with expired registration	$1954	$326
Wrong way/wrong lane	$1985	$337
Failure to yield	$1993	$333
Failure to stop at a red light	$2002	$340
Illegal turn	$2034	$340
Cell phone violation	$2059	$351
Texting while driving	$2059	$343
Speeding in school zone	$2092	$356
Operating a vehicle without permission	$2100	$349
Speeding 16 - 20 MPH over limit	$2100	$358
Improper passing	$2148	$358
Following too closely	$2156	$367
Passing school bus	$2245	$374
In 65 MPH zone	$2262	$385
Speeding 21 - 25 MPH over limit	$2336	$389
At-fault accident - $1000-$2000	$2400	$408
At-fault accident - greater than $2000	$2417	$403
Open container	$2702	$459
Reckless driving	$3166	$527
Leaving scene of an accident/hit and run	$3288	$559
DUI	$3313	$552
Refusal to submit to a chemical test	$3313	$563
Racing	$3321	$553
Driving with a suspended license	$3451	$586

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Edgewater after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Edgewater.

The cheapest car insurance premiums in Edgewater are offered by Plymouth Rock at $1001 for a six-month policy. However, it can be as expensive as $7479 with companies like State Farm.

Edgewater car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1001	$169
Foremost	$1099	$184
NJM	$1107	$186
Mercury	$1270	$211
New Jersey Manufacturers	$1367	$233
Progressive	$1392	$234
Travelers	$2100	$353
Allstate	$2514	$423
Selective	$3092	$521
Farmers	$3565	$595
Amica Mutual	$7072	$1203
State Farm	$7479	$1259

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Edgewater are offered by Plymouth Rock at $927. However, it can be as expensive as $4785 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Edgewater after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$927	$156
NJM	$1180	$199
Progressive	$1628	$274
Selective	$2344	$390
State Farm	$2376	$404
Travelers	$2726	$455
Allstate	$3972	$675
Farmers	$4785	$797

Car Insurance Price Trends in Edgewater, New Jersey

Car insurance rates in Edgewater have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Edgewater rose by $397 in January compared to $337 of December. In other words, there has been an increase by $60 when you compare January and December.

The average cost of liability insurance in the Edgewater rose to $133 in January, compared to $118 in December. This represents an increase of $15 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Edgewater?

The car insurance in Edgewater is $84 per month, which is lower than the national average.

What is the cheapest car insurance in Edgewater?

The cheapest car insurance in Edgewater is $177 per month for full coverage.

How much is car insurance in Edgewater for teenagers?

Car insurance for teenagers costs $733 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Edgewater?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $285 per month to insure your car in Edgewater.

Is car insurance expensive in Edgewater?

Car insurance can be expensive in Edgewater if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Edgewater can be affordable.

Cheapest Car Insurance Quotes in Edgewater

Why you can trust Way?

How Much Is Car Insurance in Edgewater

Avg. Car Insurance in Edgewater

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Edgewater

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Edgewater Car Insurance Rates by Company

Cheap Car Insurance Companies in Edgewater, NJ

Way's key takeaways about car insurance in Edgewater

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Edgewater

Cheapest Liability Coverage in Edgewater, NJ

Cheapest Full Coverage Car Insurance in Edgewater

Cheapest Full Coverage Car Insurance Quotes in Edgewater, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Edgewater by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Edgewater, NJ increasing?

Car Insurance Premiums by Age in Edgewater

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Edgewater,NJ

If you are in your twenties NJM is the best choice for car insurance in Edgewater.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Edgewater

Cheapest Car Insurance Companies after an At-Fault Accident in Edgewater

Edgewater Car Insurance Rates by Violation

Edgewater auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Edgewater after a DUI

Edgewater car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Edgewater after Speeding ticket

Car Insurance Price Trends in Edgewater, New Jersey

Average Car Insurance Cost in Edgewater by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Edgewater, NJ

Car Insurance Rates by State in the USA (2025 Update)

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