Cheap Car Insurance for High-Risk Drivers in New Jersey

If you live in New Jersey and you are a high-risk driver, you may want to consider getting car insurance from cheap car insurance for high-risk drivers in New Jersey company. These companies can be found online or through your local auto body shop.

There were over two hundred thousand crashes in the state of Jersey in a single year. You could face reckless driving charges if you cause an accident by texting or not paying attention behind the steering wheel. High-risk drivers include those who have had accidents, traffic tickets, or a drunken driving conviction. It is expected that you will pay more for your New Jersey high-risk policy than the average car insurance policy.

The rates for high-risk New Jersey car insurance

car insurance for high-risk drivers in New Jersey

Buying car insurance in New Jersey is very easy. Comparing your current insurance carrier and three or four competing providers to get an idea of your premium costs is an excellent way to get started. Our high-risk New Jersey auto insurance carriers research showed that premiums rose with the type and severity of the driving offences.

The rates for speeding tickets

Speeding in New Jersey will have an impact on your driving record. It’s possible to lose at least 3 points. According to the rates of the top auto insurance companies in the state, your premiums will increase by at least 10% if you get a speeding ticket. The rates will be affected for at least a year after the increase. After one year, your points could decline if you are not cited for any other moving violations.

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Car insurance companyNew Jersey’s average annual premium before a speeding ticket is for full coverageNew Jersey’s average annual premium after a speeding ticket is for full coverage% Difference
Amica$1,504$1,71213%
Geico$1,316$1,68127%
NJM$1,271$1,43012%

The most affordable premiums for safe drivers and people with a clean driving record are from NJM Insurance Group.

The rates for accidents

Drivers who cause an accident are more likely to be punished by their insurers. Unless you are involved in an accident, it is hard to tell if your New Jersey rates will increase. After an accident, car insurance costs can go down for Palisades Insurance policyholders.

Car insurance companyNew Jersey’s average annual premium before an accident for full coverage is $1,050New Jersey’s average annual premium for complete coverage after an accident is $1,050% Difference
NJM$1,271$1,2871%
Palisades$1,820$1,26230%
State Farm$1,244$1,83447%

After an accident, the car insurance rates for Palisades Insurance dropped. This could be due to the coverage not being geared towards safe drivers.

Rates for DUI

Drivers in New Jersey charged with speeding tickets have seen their car insurance premiums go up. So far, the data shows that they don’t pay more for it. It’s entirely different when it comes to driving under the influence. A conviction for driving under the influence in New Jersey will significantly affect car insurance premiums.

Car insurance companyNew Jersey’s average annual premium before a DUI for full coverageNew Jersey’s average annual premium after a DUI for full coverage% Difference
Progressive$1,469$2,06740%
State Farm$1,244$2,48199%
Travelers$1,320$2,906120%
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For many years, your premiums will be very high. Points from a drunken driving conviction in New Jersey are usually on your record for 10 or more.

The rate of teen drivers

There are a lot of accidents in New Jersey that distracted drivers cause. Teen drivers are more likely than adults to be distracted while driving by text messages, increasing the chance of an accident. If a young driver is more likely to be distracted by texting and phone use, it can be more costly to insure them.

Car insurance companyFor full coverage, the average annual premium
NJM$1,362
State Farm$1,991
Tower Group$1,625

16-year-old under their parents’ insurance policy.

Who have high-risk drivers?

car insurance for high-risk drivers in New Jersey

An insurance company might designate a person as more likely to cause a severe car accident if they are a high-risk driver. Speeding, drinking, and being distracted behind the wheel are some behaviours that could indicate you as high-risk.

Drivers who are more likely to default on their car insurance are also included in the bank rate’s high-risk driver profile. It also includes teen drivers who have had their coverage lapse in the past and can drive without vehicle insurance.

How to lower the rate of high-risk drivers

Insurance rates can remain high if your points are still on your driving record. You will have to pay higher rates for at least ten years if you are convicted of a DUI. To reduce those high-risk driving costs, do these three things:

  • Once you have been cited for driving without a valid driver’s license, you can clear the points from your driving record by attending traffic school.
  • Switching insurance companies can help you save money, and if you have a great agent, you may get a discount on the premiums, too.
  • When it comes to insurance, you have several alternatives. You may want to register with a carrier that offers accident forgiveness, like State Farm or Progressive, USAA Nationwide, Geico, USAA, or USAA.
  • When shopping online, ask for discounts based upon your profile, such as student, military, or newer vehicles.
  • You can alter your coverage level to a more affordable one, and this will give you the same protection as full coverage without the high cost.
  • Compare your car insurance rates every year. If you are paying more than you need to, make sure that you shop around for better rates.
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Frequently asked questions

How much car insurance do high-risk drivers need?

Suppose you are from New Jersey and own a car. In that case, you’re required to carry insurance that covers bodily injuries of at least $15,000 per person, $30,000 per accident for bodily injury, $5,000 for property damage, and $5,000 for personal injury (PIP). You may need to get more insurance if your likelihood of being involved in an accident is increased.

How long does a drunk driving conviction take to stay on your driving record in New Jersey?

If you have a conviction for drunk driving in New Jersey, your record could stay on your record for up to 10 years. You might wish to shop around for a lower car insurance rate if your rates increase sharply.

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