Best Auto Insurance After a DUI in New Jersey (Top 10 Companies Ranked for 2024)
AAA, Geico, and Allstate have the best auto insurance after a DUI in New Jersey. DUI insurance rates start at $65/month, and AAA members get free roadside assistance. Geico and Allstate offer auto insurance discounts tailored for high-risk drivers who need cheap New Jersey car insurance after a DUI.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Aug 14, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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2,934 reviewsCompany Facts
Full Coverage After a DUI in New Jersey
A.M. Best Rating
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2,934 reviews
19,116 reviewsCompany Facts
Full Coverage After a DUI in New Jersey
A.M. Best Rating
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19,116 reviews
11,413 reviewsCompany Facts
Full Coverage After a DUI in New Jersey
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
AAA, Geico, and Allstate lead with the best auto insurance after a DUI in New Jersey, offering affordable high-risk auto insurance and excellent customer service through robust networks of local agents.
These top three companies are particularly supportive of young drivers needing assistance with New Jersey DUI insurance.
Our Top 10 Company Picks: Best Auto Insurance in New Jersey After a DUI
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 10% A Policy Perks AAA
#2 12% A++ Online Convenience Geico
#3 15% A+ Youth Discounts Allstate
#4 14% A+ Roadside Assistance Amica
#5 18% A International Companies The General
#6 13% B Customer Service State Farm
#7 17% A++ Military Members USAA
#8 16% A++ Safe-Driving Discounts Auto-Owners
#9 11% A+ Usage-Based Discount The Hartford
#10 19% A Add-On Coverages American Family
Opting for any of these insurers guarantees quality service tailored to diverse needs and circumstances. Find cheap car insurance quotes by entering your ZIP code above.
- AAA is the top pick for auto insurance in New Jersey after a DUI
- Allstate is more expensive but offers more discounts on DUI insurance
- Drivers with DUIs need a balance of competitive pricing and excellent service
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#1 – AAA: Top Overall Pick
Pros
- Extensive Policy Perks: AAA offers robust policy options that benefit New Jersey drivers after a DUI.
- Comprehensive Assistance: Provides thorough support and resources for DUI recovery in New Jersey.
- Customizable Plans: Discover our AAA auto insurance review, highlighting how the company allows for tailored DUI insurance coverage in New Jersey.
Cons
- Cost Considerations: Premiums may be higher for New Jersey drivers with a DUI on their record.
- Eligibility Restrictions: Some perks and discounts may not be available to all DUI offenders in New Jersey.
#2 – Geico: Best for Online Service
Pros
- Convenient Mobile App: New Jersey drivers can manage DUI insurance policies, make payments, and file claims all through the mobile app or website.
- Flexible Coverage Options: Delve into our Geico auto insurance review to learn about adaptable coverage plans that can be adjusted for DUI insurance in New Jersey.
- Competitive Rates: Geico offers cheap DUI insurance for most drivers in New Jersey starting at $102/month.
Cons
- Poor Customer Service: Geico ranks below average for New Jersey auto insurance customer service and claims processing.
- Premium Fluctuations: DUI insurance rates may increase significantly at policy renewal in New Jersey.
#3 – Allstate: Best for Youth Discounts
Pros
- Youth-Focused Discounts: Offers discounts that help younger New Jersey drivers manage DUI insurance costs.
- Educational Resources: Explore our Allstate auto insurance review for insights into resources and programs aimed at educating young drivers after a DUI in New Jersey.
- Good Hands Recovery: Allstate’s support programs assist young New Jersey drivers navigating DUI recovery.
Cons
- Higher Base Rates: Generally higher rates which can be a concern for younger drivers with a DUI in New Jersey.
- Restrictive Qualifications: Discounts and benefits on DUI insurance have strict qualifying criteria in New Jersey.
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#4 – Amica: Best for Roadside Assistance
Pros
- Superior Roadside Assistance: Excellent roadside support with DUI insurance policies in New Jersey.
- Flexible Policies: Offers policy flexibility that can adapt to a DUI recovery scenario in New Jersey.
- Customer Support: See our Amica auto insurance review, praised for high ratings in customer service and DUI insurance claim satisfaction in New Jersey.
Cons
- Cost Post-DUI: Higher DUI auto insurance rates compared to other New Jersey companies.
- Limited Availability: Some services and DUI coverages may not be available statewide in New Jersey.
#5 – The General: Best for International Companies
Pros
- Global Expertise: Read our The General auto insurance review, detailing how the company leverages international experience to offer competitive DUI policies in New Jersey.
- High-Risk Specialization: Specifically caters to high-risk drivers in New Jersey, including those with DUIs.
- Broad Acceptance: Less stringent acceptance criteria beneficial for affordable DUI car insurance in New Jersey.
Cons
- Higher Pricing: Generally higher rates for high-risk DUI insurance in New Jersey.
- Customer Service Variability: Inconsistent customer service experiences reported for DUI car insurance in New Jersey.
#6 – State Farm: Best for Customer Service
Pros
- Exceptional Customer Service: State Farm is renowned for its customer support for DUI car insurance in New Jersey,
- Recovery Programs: Offers programs designed to help drivers recover from a DUI in New Jersey.
- Agent Accessibility: View our State Farm auto insurance review, which discusses the high availability of New Jersey insurance agents to assist with DUI-related inquiries.
Cons
- Costly Premiums: More expensive than other New Jersey auto insurance companies for DUI car insurance.
- Limited High-Risk Options: Fewer high-risk insurance options compared to specialized providers in New Jersey for DUI car insurance.
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#7 – USAA: Best for Military Members
Pros
- Tailored for Military: Specialized services for military members in New Jersey recovering from a DUI.
- Discounted Rates: Take a look at our USAA auto insurance review, where it’s noted for competitive pricing with additional discounts for drivers with DUIs in New Jersey.
- Comprehensive Support: Strong support system for DUI recovery specific to military needs in New Jersey.
Cons
- Eligibility Restrictions: USAA DUI insurance is only available to military members and their families in New Jersey.
- Limited Customization: Fewer options for customization compared to other New Jersey DUI insurance providers.
#8 – Auto-Owners: Best for Safe-Driving Discounts
Pros
- Incentives for Safe Driving: Check out our Auto-Owners auto insurance review, which offers discounts incentivizing safe driving after a DUI in New Jersey.
- Personalized Coverage Plans: New Jersey coverage that can be personalized to DUI recovery needs.
- Responsive Claims Service: Efficient DUI insurance claims handling in New Jersey.
Cons
- Eligibility for Discounts: Safe-driving discounts require stringent criteria for DUI drivers in New Jersey.
- Coverage Limitations: Some coverage options may not be fully accessible to New Jersey drivers with a DUI.
#9 – The Hartford: Best for Usage-Based Discount
Pros
- Usage-Based Savings: Offers discounts based on actual driving behavior post-DUI in New Jersey.
- DUI Recovery Programs: Programs that aid drivers in managing the repercussions of a New Jersey DUI.
- Flexible Adjustment: Read our The Hartford auto insurance review to to explore DUI insurance policy adjustments available as driving habits improve in New Jersey.
Cons
- Monitoring Requirements: Constant monitoring can be intrusive to some New Jersey drivers for DUI car insurance.
- Discount Variability: Savings are variable and depend heavily on New Jersey auto insurance laws for DUI.
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#10 – American Family: Best for Add-On Coverages
Pros
- Extensive Add-On Options: In line with our American Family auto insurance review, uncover the wide range of add-ons that enhance DUI insurance policies in New Jersey.
- Rehabilitative Discounts: Offers discounts on DUI auto insurance that support rehabilitation and safe driving in New Jersey.
- Supportive Customer Service: Excellent customer service to guide through DUI aftermath in New Jersey.
Cons
- Higher Costs for Add-Ons: Essential add-ons can significantly increase overall DUI insurance rates in New Jersey.
- Complex Policy Management: Managing extensive add-ons can be complex and time-consuming for some New Jersey drivers for DUI.
DUI Auto Insurance Rates in New Jersey
When selecting the best auto insurance in New Jersey after a DUI, it’s crucial to consider the range of factors that affect auto insurance rates. Evaluating the inclusion of comprehensive coverage can be vital for drivers seeking thorough protection after a DUI.
This table provides a comparative overview of monthly auto insurance rates in New Jersey for drivers with a DUI, broken down by coverage level and provider.
New Jersey DUI Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $57 | $148 |
| Allstate | $144 | $225 |
| American Family | $122 | $191 |
| Amica Mutual | $86 | $283 |
| Auto-Owners | $51 | $130 |
| Geico | $102 | $159 |
| State Farm | $266 | $416 |
| The General | $166 | $426 |
| The Hartford | $65 | $167 |
| USAA | $72 | $113 |
AAA offers minimum coverage at $57 and full coverage at $148, while Allstate’s rates are $144 for minimum and $225 for full coverage.
Learn More: New Jersey Minimum Auto Insurance Requirements
Auto Insurance Discounts After a DUI in New Jersey
For drivers in New Jersey recovering from a DUI, understanding available auto insurance discounts is crucial to getting cheap auto insurance after a DUI. Insurers typically offer a range that can significantly lower premiums even after a DUI.
Many companies offer discounted rates for completing approved driving courses designed to reinforce safe driving habits. Moreover, younger drivers might benefit from good student discounts if they can demonstrate academic excellence despite their DUI.
AAA leads the market with 95% customer satisfaction, providing top-tier coverage and support for New Jersey drivers post-DUI.Daniel Walker Licensed Auto Insurance Agent
However, it’s essential to note that while these discounts can make insurance more affordable, the overall premiums might still be higher compared to drivers with clean records.
So compare different insurance policies, including what collision auto insurance covers, with tools like free car insurance comparison websites to get the best auto insurance with a DUI in New Jersey.
Other Ways to Save Money on New Jersey DUI Insurance
By implementing these strategies and understanding the benefits of auto insurance, drivers in New Jersey can get the right DUI insurance plans:
- Comparison Shopping: Utilize online tools to compare rates and coverage from the best New Jersey auto insurance companies.
- Seek DUI-Specific Discounts: Many insurers offer discounts for DUI drivers who undertake defensive driving courses or who utilize telematics devices to monitor driving habits.
- Explore Flexible Payment Options: Some insurers provide flexible payment plans, which can ease the financial burden during the recovery period following a DUI.
New Jersey drivers with DUIs should also prioritize customer service. Choose insurers known for excellent customer service. For younger drivers and those new to DUI insurance laws, educational resources and personalized agent support can make a significant difference
Affordability is another significant factor, with competitive rates and specific discounts for DUI drivers enhancing the overall value of the insurance plan.
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Case Studies: DUI Auto Insurance in New Jersey
Here are three case studies demonstrating how the best high-risk auto insurance companies in New Jersey effectively support drivers with a DUI:
- Case Study #1 – Personalized Coverage Adjustments: Mark from Hoboken faced higher premiums after a DUI but chose AAA for its customizable insurance plans. AAA provided Mark with affordable high-risk auto insurance options and annual policy reviews to improve his driving record and eventually reduce rates.
- Case Study #2 – Strategic Use of Discounts: Sandra from Atlantic City chose Geico for its easy online service and DUI policy management. She also saved money with discounts after completing a driving course to rebuild her driving history.
- Case Study #3 – Comprehensive Support for Young Drivers: Tom, a young driver from Trenton, faced high premiums after a DUI and chose Allstate for its youth-focused discounts and DriveWise program, which monitors driving to potentially lower rates.
These case studies highlight how companies provide tailored solutions to help drivers in New Jersey manage their auto insurance needs after a DUI.
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Have you heard of Drivewise? It’s located in our Allstate app. We recently found out that customers who choose to use Drivewise are 25% less likely to have a severe collision than those who don’t. https://t.co/HNMxg3hVAZ
— Allstate (@Allstate) May 13, 2024
Each company offers distinct programs and services designed to support individuals through their recovery and improve their insurance rates
The Best Auto Insurance in New Jersey After a DUI
AAA, Geico, and Allstate have the best auto insurance in New Jersey after a DUI with comprehensive coverage, flexible payment options, and support through discounts and educational resources.
AAA consistently delivers tailored coverage that meets the dynamic needs of New Jersey drivers dealing with the consequences of a DUI.Laura Berry Former Licensed Insurance Producer
Knowing where to compare auto insurance rates is essential for finding affordable DUI auto insurance and ensuring you meet New Jersey insurance requirements.
Online comparison tools can help find the most suitable and cost-effective insurance. Enter your ZIP code below to see how much car insurance costs in your area.
Frequently Asked Questions
How much is car insurance in New Jersey after a DUI?
The cost of auto insurance in New Jersey after a DUI can vary significantly depending on the insurance provider, the driver’s record, and other factors. On average, you can expect your auto insurance premiums to increase by 30% to 100%. Companies like AAA, Geico, and Allstate offer competitive rates starting at around $65 per month.
How long does a DUI stay on your record in New Jersey?
In New Jersey, a DUI conviction stays on your driving record permanently. However, its impact on your insurance rates typically lasts for about three to five years.
Need the cheapest car insurance possible? Enter your ZIP code below into our free comparison tool to find the most affordable rates for your vehicle.
What is the cheapest New Jersey auto insurance after a DUI?
The cheapest New Jersey car insurance after a DUI often depends on individual circumstances and discounts offered. The cheapest auto insurance companies are AAA, Geico, and Allstate for most New Jersey drivers with a DUI.
Can a DUI be expunged in New Jersey?
No, a DUI conviction cannot be expunged from your driving record in New Jersey. It remains a part of your permanent driving record.
What happens after my first DUI in New Jersey?
After a first DUI in New Jersey, you can expect penalties such as fines, license suspension, mandatory alcohol education programs, and increased insurance premiums. The exact penalties can vary based on the specifics of the offense.
How long does a DUI affect insurance in New Jersey?
A DUI can affect your auto insurance in New Jersey for at least three to five years. During this period, insurance premiums are generally higher due to the increased risk associated with DUI convictions. (Read More: Cheap Auto Insurance After a DUI)
Can you get out of a DUI in New Jersey?
It is challenging to get out of a DUI in New Jersey. However, a skilled attorney can sometimes negotiate reduced charges or penalties. The success of such efforts depends on the case details and legal representation.
How many points is DUI in New Jersey?
In New Jersey, a DUI does not result in points on your driving record. Instead, it leads to severe penalties, including fines, license suspension, and increased insurance rates.
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Will I lose my license for a New Jersey DUI?
Yes, in New Jersey, a DUI conviction can lead to a license suspension. The length of the suspension can vary depending on the severity of the offense and whether it is a first-time or repeat offense (Read More: How to Get Auto Insurance Without a License).
What car gets the most DUIs?
While specific models can vary, studies have shown that certain cars, such as pickup trucks and certain high-performance vehicles, tend to have higher DUI rates. However, this can vary widely by region and other factors.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
