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.
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.
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.
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.
|Average Percent Increase After DUI|
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.
|Most Expensive State for DUI (1-50)|
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.