Cheap Car Insurance for Drivers with a DUI in New Jersey

Whenever people write about car insurance, the word “cheap” should not appear as a descriptor for auto insurance rates. It’s a simple fact that cheap car insurance for drivers with a DUI just does not exist. Don’t let that discourage you, because we can show you some ways you can find insurance that is cheaper than your current policy.

When buying auto insurance after getting a DUI, one of the key considerations that control rate quotes is where you live. Cities with larger populations like Newark, East Orange, and Union City tend to pay more, whereas less populated areas tend to receive cheaper rates.

The next table sorts the priciest cities in New Jersey for drivers with a DUI to purchase a policy in.

Table data uses approximated as the specific garaging location can revise price quotes greatly.

Trying to buy budget car insurance is challenging, and determining which companies offer the cheapest auto insurance rates for drivers with a DUI will involve even more shopping around. Premiums could be significantly more expensive than the average rate in New Jersey because of the potential for higher claims associated with selling coverage after getting a DUI, but competitively-priced coverage should be achievable if you do a thorough comparison. Each insurance company has a proprietary formula to set their prices, so let’s rank the auto insurance companies that tend to be cheaper in New Jersey.

It’s important to know that New Jersey auto insurance rates are impacted by many things which can significantly increase or decrease the cost of a policy. Simply turning a year older, increasing deductibles, or having an accident can trigger rate changes that may make certain companies cheaper than before.

Lowest Insurance Price Quotes after a DUI

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21st Century has some of the best car insurance rates in New Jersey at around $1,078 per year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also make the cut as some of the most economical New Jersey auto insurance companies.

As the rates illustrate above, if you are a customer of Penn National and switched to Travelers, you could see savings of in the vicinity of $147. New Jersey drivers with Palisades could save as much as $204 a year, and California Casualty policyholders might reduce rates by $290 a year.

To get a fast rate comparison, click here to start your free quote or visit any of the low-priced companies below.

Be aware that those policy rates are averages across all drivers and vehicles in New Jersey and and are not figured with a price surcharge for drivers with a DUI. So the company that can offer the best rates for your situation may not even be included in the company chart above. That point stresses why you need to compare prices as often as possible using your own specific driver information and vehicle.

The model of vehicle you are seeking coverage for is one of the largest considerations when comparing quotes for cheap auto insurance for drivers with a DUI in New Jersey. Vehicles with lots of horsepower, poor crash test ratings, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The data below shows coverage premiums for a handful of the most cost-effective vehicles to insure in New Jersey.

Data variables include married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in New Jersey location which can influence premium rates noticeably.

Prices above based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific location which can alter auto insurance rates noticeably.

Data variables include married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can affect premium rates considerably.

The diagram below illustrates how your deductible choice can impact annual premium costs when quoting cheap insurance for drivers with a DUI. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are factored in.

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As shown above, a 30-year-old driver could reduce rates by $436 a year by increasing from a $100 deductible up to a $500 deductible, or save $658 by choosing a $1,000 deductible. Young drivers, like the 20-year-old, could save up to $966 or even more by selecting a higher deductible.

If you do make the decision to raise your deductibles, it is necessary to have plenty of discretionary funds to pay the extra out-of-pocket expense that is associated with using high deductibles.

Full coverage versus liability only rates

Finding cheap auto insurance for drivers with a DUI in New Jersey should be important to the majority of vehicle owners, and one way to reduce the cost of insurance is to buy only liability coverage. The example below illustrates the difference between car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. The data assumes a clean driving record, no claims, $500 deductibles, drivers are single, and no additional discounts are factored in.

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Averaged for all age groups, comp and collision coverage costs an extra $3,060 per year more than insuring for liability only. That brings up the question if buying full coverage is worth the money. There is no definitive formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

Is Geico, Allstate, State Farm, or Progressive cheaper?

If you’re looking for the cheapest car insurance after getting a DUI in New Jersey, four companies you’ll want quotes from are Geico, Allstate, State Farm, and Progressive. All of them offer physical damage and liability coverage, but each has different features and discounts that shoppers can choose from. The following table illustrates ratings and policy coverage options you can buy with each company.