How to Find the Best Car Insurance
for High Risk Drivers in New Jersey

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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
Average Monthly Cost
$241
No Violation
$267
Speeding Ticket
$294
At-Fault Accident
$504
Reckless Driving
$305
Failure to Stop for Red Light / Stop Sign
Driving History

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.

What Are the Best Car Insurance Companies for High-Risk Drivers in New Jersey?

High-risk drivers can have a hard time finding insurance companies to cover them—especially if they have multiple infractions or a history of DUIs. However, there are plenty of good options in this state if you know where to look. Some of the cheapest insurance companies for high-risk drivers in New Jersey include Plymouth Rock, Travelers, and Safeco Insurance.

CarrierAvg. Monthly Cost
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

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
No Violation$241
Speeding Ticket$267
At-Fault Accident$294
Reckless Driving$504
Failure to Stop for Red Light / Stop Sign$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.

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

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

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