- 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
Cheapest car insurance in New Jersey for a bad driving record
If you have a poor driving record in New Jersey, NJM, Plymouth Rock Assurance, Travelers are the cheapest options. NJM has the lowest annual rate at $1,820.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| 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 bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,399 in New Jersey, you can find rates as low as $1,820 from NJM.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
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 |
Cheapest car insurance in New Jersey with a DUI
While many insurers offer coverage after a DUI, NJM provides the average cheapest coverage for $1,732.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you’ll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after 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
The cheapest insurer for drivers with multiple tickets is NJM, 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
NJM has the cheapest rates for drivers with reckless driving convictions at $1,732.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with 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
The cheapest New Jersey insurer for bad credit is NJM, with rates averaging $2,259 or $188. The good news is that drivers with bad credit can still get 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 has the lowest rates after an accident at $1,430. Geico also has affordable rates at $2,197.
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.
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