- Cheapest car insurance for high-risk drivers in New Jersey
- Average rates for high-risk drivers in New Jersey by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in New Jersey
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in New Jersey is New Jersey Manufacturers, followed by Geico and Plymouth Rock Assurance.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| New Jersey Manufacturers | $1,792 | $149 |
| Geico | $2,032 | $169 |
| Plymouth Rock Assurance | $2,428 | $202 |
| Allstate | $2,946 | $246 |
| Progressive | $3,023 | $252 |
| Travelers | $3,524 | $294 |
| Mercury Insurance | $3,773 | $314 |
| State Farm | $4,564 | $380 |
| Farmers | $5,052 | $421 |
Average rates for high-risk drivers in New Jersey by driving record
Average cost of car insurance in New Jersey for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Plymouth Rock Assurance | $1,380 |
| New Jersey Manufacturers | $1,421 |
| Geico | $1,888 |
| State Farm | $3,383 |
| Progressive | $3,543 |
| Travelers | $3,766 |
| Mercury Insurance | $4,426 |
| Allstate | $4,954 |
| Farmers | $8,651 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in New Jersey for a driver with a DUI is New Jersey Manufacturers with an average annual of $1,704 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| New Jersey Manufacturers | $1,704 | $142 |
| Plymouth Rock Assurance | $2,192 | $183 |
| Progressive | $2,685 | $224 |
| Geico | $2,708 | $226 |
| Allstate | $3,052 | $254 |
| Travelers | $3,446 | $287 |
| Mercury Insurance | $3,816 | $318 |
| Farmers | $5,053 | $421 |
| State Farm | $8,028 | $669 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In New Jersey, the cheapest car insurance with multiple tickets is from New Jersey Manufacturers. It offers full coverage insurance at $1,704 per year or $142 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| New Jersey Manufacturers | $1,704 | $142 |
| Plymouth Rock Assurance | $2,096 | $175 |
| Allstate | $2,636 | $220 |
| Progressive | $2,905 | $242 |
| Travelers | $3,127 | $261 |
| Mercury Insurance | $3,437 | $286 |
| State Farm | $3,439 | $287 |
| Farmers | $4,838 | $403 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In New Jersey, New Jersey Manufacturers offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,704 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| New Jersey Manufacturers | $1,704 | $142 |
| Geico | $2,298 | $192 |
| Plymouth Rock Assurance | $2,632 | $219 |
| Allstate | $2,705 | $225 |
| Progressive | $3,176 | $265 |
| Travelers | $3,446 | $287 |
| Mercury Insurance | $4,541 | $378 |
| State Farm | $4,671 | $389 |
| Farmers | $5,791 | $483 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in New Jersey is New Jersey Manufacturers with an average annual cost of $2,234 or $186 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| New Jersey Manufacturers | $2,234 | $186 |
| Geico | $3,115 | $260 |
| Plymouth Rock Assurance | $3,457 | $288 |
| Progressive | $3,562 | $297 |
| Mercury Insurance | $3,972 | $331 |
| Allstate | $4,009 | $334 |
| State Farm | $4,368 | $364 |
| Travelers | $4,873 | $406 |
| Farmers | $4,956 | $413 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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