Cheap Car Insurance for High-Risk Drivers in New Jersey:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in New Jersey (2021)

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.

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
$267
$294
$504
$305
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
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.

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 History
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.

$241
$267
No Violation - Avg. Monthly RateSpeeding 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
$294
No Violation - Avg. Monthly RateSpeeding 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
$305
No Violation - Avg. Monthly RateSpeeding 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.

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Insurify Rate Comparison Methodology

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.