120+ more*Quotes generated for Insurify users from New Jersey within the last 10 days. Last updated on September 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from New Jersey within the last 10 days. Last updated on September 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Former data scientist for U.S. Geological Survey
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Licensed auto and home insurance agent
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Updated
New Jersey drivers typically pay $412 per month for full coverage after a DWI. Rates for New Jersey drivers with DWIs average 61% higher than rates for drivers with clean records.
NJM offers the cheapest rates for New Jersey residents with a DWI, averaging $187 per month for minimum coverage.
You’ll pay an annual state-imposed surcharge of at least $1,000 for three years after your DWI conviction, along with any rate increase from your insurer.
Typically, New Jersey residents pay $293 for minimum coverage and $412 for full coverage each month after getting a DWI. NJM charges the cheapest rates, at $187 per month for liability-only coverage.
The following table illustrates how much companies typically charge for DWI insurance in New Jersey:
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| NJM | $187 |
| CSAA | $205 |
| Plymouth Rock | $209 |
| Direct Auto | $265 |
| Allstate | $274 |
| Bristol West | $274 |
| Progressive | $290 |
| GEICO | $336 |
| Mercury | $356 |
| Liberty Mutual | $400 |
| State Farm | $414 |
| Travelers | $534 |
Find a policy after a DWI
Most insurance companies charge 61% more for coverage in New Jersey after you’re convicted of a DWI. But your increase may be higher or lower, and state penalties will vary, depending on different factors:
Age: New Jersey law carries special penalties for underage drivers with DWIs, including 15–30 days of community service.[1]
Gender: Men typically pay more for car insurance than women because they’re more prone to risky driving behaviors.
Number of prior offenses: State penalties increase for repeated DWI convictions. For example, for a third offense, you can lose your license for 10 years.
Blood alcohol concentration (BAC)
Here’s how much a typical New Jersey resident pays for coverage before and after getting a DWI:
Insurance Company | With DWI | Without DWI |
|---|---|---|
| NJM | $187 | $116 |
| CSAA | $205 | $135 |
| Plymouth Rock | $209 | $132 |
| Direct Auto | $265 | $174 |
| Allstate | $274 | $170 |
| Bristol West | $274 | $180 |
| Progressive | $290 | $180 |
| GEICO | $336 | $220 |
| Mercury | $356 | $221 |
| Liberty Mutual | $400 | $263 |
| State Farm | $414 | $272 |
| Travelers | $534 | $351 |
New Jersey currently licenses more than two dozen insurance companies to sell policies in the state, not counting subsidiary companies. That leaves plenty of options to find the best insurer for you, even if you’ve got a negative mark on your driving record, such as a DWI.
We evaluated top New Jersey insurers to help you start your search for coverage.
| User Reviews | 4.3 |
|---|
NJ Manufacturers's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.4 | 2.9 |
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
Based out of West Trenton, NJM is a local favorite that receives excellent reviews from customers. It had the second-highest score in J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study. Aside from its quality service, there’s a good chance it’ll offer you low rates on coverage, too.
Some of the lowest rates for DWI coverage in New Jersey
Offers lots of extra coverage and discount options
Exceptional J.D. Power customer satisfaction ratings
No 24/7 customer service for non-emergencies
Not available in most of the country if you move away
Only three physical locations in New Jersey
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $135/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $212/mo |
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.3 | 2.9 |
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
Premium hikes after a DWI are understandable but can still make it challenging to maintain your driving privileges. Drivers with a CSAA policy typically see smaller rate increases after a DWI than with other companies, though, judging by Insurify data. While the statewide average increase after a DWI is 61%, CSAA’s average increase is around 45%.
AAA club membership not required
High J.D. Power customer satisfaction rating in the Mid-Atlantic region
Doesn’t raise premiums as much as competitors after a DWI
Clunky quote process
Vague and unhelpful website
Full policy benefits and options available only for members
| User Reviews | 3.9 |
|---|---|
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $132/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $203/mo |
Plymouth Rock's score | Industry average | |
|---|---|---|
| Coverage options | 3.4 | 3.2 |
| Customer service | 3.0 | 3.6 |
| Discounts | 2.9 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
Plymouth Rock is a smaller regional insurer in the New England area, but it still offers a lot for its size. Besides its relatively cheap coverage, it offers nice touches, like a free (but limited) cab ride program that can help you avoid a future DWI in New Jersey.
Affordable premiums after a DWI
Works with numerous independent agents around New Jersey
Annual $50 cab fare reimbursement with Get Home Safe program
Fewer auto insurance discounts than some competitors
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Limited coverage options outside of the basics
Our editorial team analyzed our proprietary database of more than 250 million quotes, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for drivers with a DWI in New Jersey. We also weighed rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.
A license suspension or revocation is one of the handful of reasons insurers can cancel your auto policy mid-term in New Jersey.[2] If your insurer drops you after a DWI, getting car insurance coverage can be difficult. But it’s possible to find a policy.
Here’s how to get the right coverage after a DWI in New Jersey:
Pay the automobile insurance surcharge. New Jersey requires you to pay an annual car insurance surcharge for three years in lieu of filing an SR-22 form, as in many other states. It ranges from $1,000 to $1,500, depending on your prior DWI convictions.
Reinstate your driver’s license. If a judge ordered you to install an ignition interlock on your vehicle, you’ll need to do this first. After your license suspension period ends, you can apply to have it reinstated by paying a $100 reinstatement fee.[3] Keep in mind, the courts may require you to show proof of insurance coverage before reinstating your license.
Compare insurance options. Now that you’re considered a high-risk driver, it may be harder to find coverage at an affordable price, so you’ll need to spend some time gathering quotes.
Fine-tune your auto insurance premiums. If you have a paid-off car, consider switching from full coverage to liability-only coverage to save money. Check to make sure you’re getting all the discounts you qualify for, too.
Agent Tip: Why you should purchase higher liability limits if you have a driving infraction on your record
“If you’ve had a serious violation like a DWI, you need more financial protection than state-minimum coverage provides. It’s a good idea to purchase higher liability limits. Even if you don’t need full coverage to protect your own vehicle, you need plenty of liability coverage to protect your finances.”
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State law considers drivers in New Jersey intoxicated when they reach a blood alcohol concentration (BAC) of 0.08% or more. That’s about four drinks in a couple of hours for an average-sized man, although it can vary a lot. Drivers younger than 21 can receive a DWI conviction for any BAC above 0.01%, as can drivers under the influence of other drugs.
New Jersey law assigns different penalties depending on your BAC level. Penalties also get progressively more expensive and onerous with each offense, such as adding required community service.
Here’s what you can expect for a first offense with a BAC between 0.08% and 0.10% in New Jersey:
Fine: $250 to $400
Jail time: Up to 30 days
License suspension: Three months
Drunk Driving Enforcement Fund fee: $100
Violent Crimes Compensation Fund fee: $50
Safe and Secure Community Program fee: $75
Motor Vehicle Commission restoration fee: $100
Vehicle registration revocation: At the judge’s discretion
Automobile insurance surcharge: $1,000 per year, for three years
Ignition interlock device: Up to 12 months, at the judge’s discretion
Intoxicated Driver Resource Center (IDRC): $100 program fee, plus $264 curriculum fee
New Jersey doesn’t remove any DWI convictions from your driving record. They’ll stay there for life. That said, the impact a DWI has on your car insurance costs tends to diminish with time as long as you maintain a clean driving record going forward.
An SR-22 is a certificate of financial responsibility that shows a state you have an active car insurance policy that meets at least the state’s minimum requirements. Many states require you to meet SR-22 filing requirements to show proof of insurance after a DUI/DWI conviction, but not New Jersey.
Instead, you’ll need to pay a flat auto insurance penalty of up to $1,500 per year. Penalties apply to out-of-state drivers who get convicted of DWI in New Jersey and to New Jersey drivers who get caught driving under the influence in another state.[4]
Garden State drivers generally can choose between two policy types to drive legally: a standard policy that offers more robust coverage at a higher cost and a basic policy that offers scaled-down protections at a lower cost.[5]
New Jersey requires all drivers to carry car insurance offering minimum coverage of at least:
Property damage liability: $5,000 per accident for a basic policy and $25,000 per accident for a standard policy
Bodily injury liability: $35,000 per person, $70,000 per accident for a standard policy and $10,000 optional coverage is available for a basic policy
Personal injury protection (PIP): $15,000 per person, per accident for both basic and standard policies
After a DWI, you’ll also need to pay a mandatory annual car insurance surcharge ranging from $1,000 to $1,500, depending on the number of your prior convictions, for three years.
In New Jersey, a DWI conviction is a traffic offense, similar to an at-fault accident. It’ll stay linked to your driving history forever.[6] But the DWI won’t become a mark on your criminal record, as it does in many other states.
Minimum-coverage rates start as low as $187/mo.
It’s a fair bet that your rates will increase after a DWI conviction. But New Jersey residents, in particular, have several ways to lower their insurance costs:
Practice safe driving. Driving safely is always important, but especially if you have a DWI on your record. That’s because penalties and insurance costs increase with each successive DWI conviction within a 10-year time span, per state law.
Take a state-approved defensive driving course. New Jersey law requires insurers to provide a 10% discount for drivers who complete a course approved by the state’s Motor Vehicle Commission. The discount is good for three years after you take the course.
Compare auto insurance premiums. New Jersey insurance companies typically raise your rates by 61% after a DWI. Some companies raise rates by less. Each individual insurer may price your policy differently, making it important to get multiple quotes.
Drop collision and comprehensive coverage. Three-quarters of New Jersey residents own their vehicles outright, per Insurify data, and can choose to switch to a cheaper minimum-coverage policy. (Lenders require you to buy full coverage otherwise.)
Finding coverage at a reasonable price can be tricky after a DWI. Here’s what Garden State residents need to know.
NJM offers the lowest rates on liability coverage in New Jersey for drivers with a recent DWI conviction, at $187 per month.
You’ll need to pay a state-mandated annual auto insurance surcharge for three years after your DWI conviction. But insurers will likely charge higher rates, and the duration of the rate increase varies by company. Generally, your rates will go down the longer you drive safely following a DWI.
New Jersey residents with a DWI conviction typically pay around $293 per month for minimum coverage and $412 for full coverage, Insurify data shows.
Yes, if the background check includes a review of your driving record. In New Jersey, a DWI conviction stays on your driving record for life, and driving records are often — but not always — included in a background check.
Most New Jersey insurance companies charge 61% higher rates if you have a DWI conviction, based on Insurify data, compared to drivers with a clean record.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
25 years teaching risk management and insurance course
Former commercial lines underwriter
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
