Which company has the cheapest car insurance in New Jersey for a bad driving record?
NJM offers the cheapest average rate in New Jersey for drivers with a poor driving record at $1,820 per year. Plymouth Rock Assurance and Travelers also rank among the more affordable insurers for high-risk drivers.
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?
The average cost of high-risk car insurance in New Jersey is $3,399 per year. Depending on your driving history and insurer, you may be able to find rates as low as $1,820 annually.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
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 a high-risk driver in New Jersey?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
What company offers the cheapest car insurance in New Jersey after a DUI?
NJM offers the cheapest average rates after a DUI in New Jersey at $1,732 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in New Jersey for drivers with a clean record versus those with a DUI.
| 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 |
What is the cheapest car insurance in New Jersey with multiple tickets?
NJM is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,732 a year or $144 a month.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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 |
Expert's Insight
Two minor tickets can sometimes cost you more on your insurance than one major violation.
What company offers the cheapest insurance for reckless driving in New Jersey?
NJM has the cheapest average reckless driving insurance rates in New Jersey at $1,732 per year. Reckless driving convictions often result in substantial premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. increases and fewer coverage options.
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 |
Expert's Insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Which company has the cheapest car insurance for drivers with bad credit in New Jersey?
The cheapest New Jersey insurer for bad credit is NJM, with rates averaging $2,259 per year or $188 per month. 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 |
What company has the cheapest car insurance in New Jersey after an accident?
NJM has the cheapest average post-accident insurance rates in New Jersey at $1,430 per year. GEICO also offers below-average rates after an at-fault crash.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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 |
Expert's Insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city is the cheapest for high-risk car insurance in New Jersey?
Allenhurst has the cheapest average high-risk car insurance rates in New Jersey at $3,137 annually. In comparison, Fairview has the highest average premiums at $4,370 per year.
Where you live in New Jersey matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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 can high-risk drivers lower their car insurance rates in New Jersey?
High-risk drivers in New Jersey can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.
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.
- Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
- 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.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
FAQ: High-risk car insurance in New Jersey
Can high-risk drivers get full coverage car insurance in New Jersey?
Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.
Does an SR-22 automatically make your insurance more expensive in New Jersey?
Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.
Will my car insurance rates go down after three years in New Jersey?
Yes, your rates should decrease over time if you avoid additional tickets, accidents or claims.
Compare New Jersey high-risk driver car insurance rates with other states
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