- Cheapest car insurance in New Jersey for a bad driving record
- How much is high-risk car insurance in New Jersey?
- Cheapest car insurance in New Jersey with a DUI
- Cheapest car insurance in New Jersey with multiple tickets
- Cheapest car insurance in New Jersey with a reckless driving conviction
- Cheapest car insurance in New Jersey with bad credit
- Cheapest car insurance after an accident in New Jersey
- Cheapest car insurance in New Jersey by city
- How to reduce car insurance rates in New Jersey for a bad driving record
- Compare New Jersey high-risk driver car insurance rates with other states
Cheapest car insurance in New Jersey for a bad driving record
NJM, Plymouth Rock Assurance, Travelers provides affordable car insurance for high-risk drivers with bad driving record in New Jersey.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| NJM | $1,318 | $1,820 |
| Plymouth Rock Assurance | $1,737 | $2,570 |
| Travelers | $1,706 | $2,791 |
| Progressive | $2,187 | $3,081 |
| GEICO | $1,563 | $3,170 |
| Allstate | $2,294 | $3,453 |
| Farmers | $2,254 | $4,173 |
| State Farm | $2,153 | $6,271 |
How much is high-risk car insurance in New Jersey?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In New Jersey, high-risk car insurance costs $3,399. However, you can get rates as low as $1,820 from NJM.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| NJM | $1,318 | $1,430 |
| GEICO | $1,563 | $2,197 |
| Plymouth Rock Assurance | $1,737 | $2,573 |
| Travelers | $1,706 | $2,965 |
| State Farm | $2,153 | $3,586 |
| Progressive | $2,187 | $3,730 |
| Farmers | $2,254 | $4,984 |
| Allstate | $2,294 | $5,169 |
PEOPLE ASK:
Who is considered high-risk for insurance in New Jersey?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in New Jersey with a DUI
While many insurers offer coverage after a DUI, NJM has the lowest rate at $1,732.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in New Jersey.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| NJM | $1,318 | $1,732 |
| Plymouth Rock Assurance | $1,737 | $2,141 |
| Progressive | $2,187 | $2,654 |
| Travelers | $1,706 | $2,738 |
| GEICO | $1,563 | $3,171 |
| Allstate | $2,294 | $3,439 |
| Farmers | $2,254 | $4,399 |
| State Farm | $2,153 | $8,623 |
Cheapest car insurance in New Jersey with multiple tickets
NJM is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,732 or $144.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows New Jersey drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| NJM | $1,318 | $1,732 |
| Plymouth Rock Assurance | $1,737 | $2,201 |
| Travelers | $1,706 | $2,486 |
| Progressive | $2,187 | $2,960 |
| Allstate | $2,294 | $3,264 |
| Farmers | $2,254 | $3,863 |
| State Farm | $2,153 | $4,395 |
Cheapest car insurance in New Jersey with a reckless driving conviction
Drivers with reckless driving conviction can get the cheapest rates from NJM at $1,732.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| NJM | $1,318 | $1,732 |
| Plymouth Rock Assurance | $1,737 | $2,460 |
| GEICO | $1,563 | $2,684 |
| Travelers | $1,706 | $2,738 |
| Allstate | $2,294 | $3,280 |
| Progressive | $2,187 | $3,298 |
| Farmers | $2,254 | $4,578 |
| State Farm | $2,153 | $4,983 |
Cheapest car insurance in New Jersey with bad credit
Based on our research, NJM is the cheapest car insurance company for drivers with poor credit, averaging $2,259 or $188. Fortunately, drivers with bad credit can still find affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects New Jersey car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| NJM | $1,318 | $2,259 |
| Progressive | $2,187 | $3,650 |
| GEICO | $1,563 | $3,655 |
| Travelers | $1,706 | $3,816 |
| Allstate | $2,294 | $4,212 |
| Plymouth Rock Assurance | $1,737 | $4,216 |
| Farmers | $2,254 | $4,472 |
| State Farm | $2,153 | $8,957 |
Cheapest car insurance after an accident in New Jersey
NJM and GEICO have the lowest car insurance rates after an accident at $1,430 and $2,197, respectively.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| NJM | $1,318 | $1,430 | $2,025 |
| GEICO | $1,563 | $2,197 | $2,684 |
| Plymouth Rock Assurance | $1,737 | $2,573 | $3,433 |
| Travelers | $1,706 | $2,892 | $4,422 |
| State Farm | $2,153 | $3,586 | $6,564 |
| Progressive | $2,187 | $3,730 | $5,141 |
| Farmers | $2,254 | $4,984 | $9,860 |
| Allstate | $2,294 | $5,169 | $5,964 |
Cheapest car insurance in New Jersey by city
Allenhurst has the cheapest car insurance rates in New Jersey at $3,137. But the most expensive city is Fairview with rates of $4,370.
Your location in New Jersey also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Allenhurst | $1,784 | $3,137 |
| Matawan | $1,868 | $3,284 |
| East Brunswick | $1,878 | $3,317 |
| Pleasantville | $2,026 | $3,574 |
| Trenton | $2,138 | $3,921 |
| Bloomfield | $2,193 | $3,930 |
| Hoboken | $2,308 | $4,101 |
| Jersey City | $2,331 | $4,168 |
| Clifton | $2,344 | $4,250 |
| Garfield | $2,371 | $4,310 |
| Fairview | $2,511 | $4,370 |
How to reduce car insurance rates in New Jersey for a bad driving record
Finding affordable car insurance in New Jersey is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in New Jersey?
Three years is common, but how long you are considered a high-risk driver in New Jersey depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Compare New Jersey high-risk driver car insurance rates with other states
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