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Cheap DUI Car Insurance in New Jersey (With Quotes)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in New Jersey (2022)

For drivers with a DUI or DWI offense in New Jersey, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New Jersey. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in New Jersey.

DUI Car Insurance Costs in New Jersey

In New Jersey, a DUI or DWI offense will on average have drivers paying $531 per month and $6,372 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 100% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$265
Avg. Monthly Cost - After DUI
$531
$266 ▴
100.38% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in New Jersey?

DUIs cost society a lot of money, but the cost to one person could be the ultimate one. So anything less than that looks like a bargain. The best deal will always go to those who protect others and keep a perfect driving record.

The state average is $267, and people with a clean record sneak below that with a monthly premium of $265. One quick wrong choice, and your bill goes up by 100 percent to $531. If you're doing the math, you've calculated a difference of $266 per month, or over $3,100 per year. Depending on your partying habits, you could instead afford a whole lot of Ubers.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$265$531100.38%

What Are the Average Car Insurance Prices After a DUI in New Jersey?

Every policy is different because every driver is different. But a glance at the average gives you an idea of what you may need to budget. Drivers with a DUI shell out $531 to stay legal. In fact, the state ranks 10th for the most expensive DUI car insurance in the nation.

If you drive an older car, opt for liability only and drop comprehensive and collision coverage to lower your payment. Also, start with the state minimum, and see how that fits your budget.

New Jersey After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$53110th

How Long Is the Lookback Period for a DUI in New Jersey?

Like many states, New Jersey's lookback period is 10 years. That means a second DUI within that window will cause a more severe conviction. Fortunately, insurance companies only look back five years at the most, but the majority check only the past three.

So, what should you do while you wait three years for a better price? Compare quotes, practice defensive driving to avoid accidents and tickets, and shop for a better rate at every renewal period. You never know when you'll find a deal that moves your premium from expensive to affordable.

New Jersey DUI Penalties

As you might expect, the severity of punishment goes up drastically as drivers increase the number of DUI offenses. First-time offenders face jail time of up to 30 days, a fine between $250 and $500, license revocation for 3 to 12 months, and an Intoxicated Driver Resource Center Program (IDRCP) attendance requirement for 12 to 48 hours.
In the Garden State, those under age 21 are guilty if they have a BAC of .01 or higher. Penalties include a license revocation for 30 days, community service for 15 to 30 days, and a requirement to take part in the IDRCP or a similar substance treatment program.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - New Jersey Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county New Jersey. Insurify analyzed the latest data for the five most populous cities in New Jersey to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in New Jersey and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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