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New Jersey Car Insurance for High Risk Drivers (With Quotes)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by Licensed Insurance Agent, Janeth Lopez

Updated March 9, 2022

Cheapest Insurance Companies for High Risk Drivers in New Jersey (2022)

For drivers that are high-risk 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 for drivers that are high-risk.

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 high-risk drivers in New Jersey.

CarrierAvg. Monthly Cost 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.
Plymouth Rock$187
Travelers$206
Liberty Mutual$262
Good2Go Auto Insurance$281
Mercury$346
Bristol West$362
American Family Insurance$397
Midvale Home & Auto$508

What Makes a Driver High-Risk in New Jersey?

High-risk drivers are those who aren't cautious behind the wheel. Ignoring red lights, speeding, and driving while intoxicated are all considered high-risk behaviors on the road.

In New Jersey, insurance companies reward careful drivers with reasonable rates. But high-risk drivers pay more for their monthly premiums. Why? Because motorists in this category tend to make more claims and cost the insurance company money. While you can work yourself out of the high-risk category with better driving behaviors, it's going to take time to recover better insurance rates.

New Jersey Car Insurance Rates for High-Risk Drivers

No Violation
$241
Speeding Ticket
$267
At-Fault Accident
$294
Failure to Stop
$305
Reckless Driving
$504

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in New Jersey?

Poor drivers pay for their offenses not once but twice. First, they face state consequences (like a ticket if they're lucky), then come the ramped-up insurance rates. While a ticket for reckless driving here can cost $200, monthly insurance rates will skyrocket by $250.

At-fault accidents and failures to stop are similarly expensive. A speeding ticket only increases insurance rates by about $20, but it's still a lot to pay over time. High-risk driving penalties for insurance rates linger for three to five years, meaning that ticket really costs you as much as $1,200.

Driving HistoryAvg. Monthly Cost 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.
No Violation$241
Speeding Ticket$267
At-Fault Accident$294
Reckless Driving$504
Failure to Stop$305

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

Slow and steady wins the race in New Jersey (at least as far as the best rates go). Drivers with no violation in this state pay $241 for insurance monthly, while speeders pay $26 more.

No Violation - Avg. Monthly Rate
$241
Speeding ticket - Avg. Monthly Rate
$267
$26 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in New Jersey?

If you've caused an accident, expect your insurance rates to increase by as much as 22 percent in New Jersey. Drivers with an at-fault accident shell out an average of $53 more for their monthly premiums than before.

No Violation - Avg. Monthly Rate
$241
Speeding ticket - Avg. Monthly Rate
$294
$53 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in New Jersey?

Rates for drivers who don't stop at reds average out to $305 a month. That's $64 more than they could be paying if only they drove more attentively. In comparison, drivers with a perfect record pay $241.

No Violation - Avg. Monthly Rate
$241
Speeding ticket - Avg. Monthly Rate
$305
$64 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in New Jersey?

High-risk drivers are those who aren't cautious behind the wheel. Ignoring red lights, speeding, and driving while intoxicated are all considered high-risk behaviors on the road.

In New Jersey, insurance companies reward careful drivers with reasonable rates. But high-risk drivers pay more for their monthly premiums. Why? Because motorists in this category tend to make more claims and cost the insurance company money. While you can work yourself out of the high-risk category with better driving behaviors, it's going to take time to recover better insurance rates.

Tips for Researching High-Risk New Jersey Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like New Jersey draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

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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.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jeanette Wisniewski
Jeanette Wisniewski

Insurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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