Car Insurance After a DUI in New Jersey: Cheapest Companies & Rates (2026)
A DUI in New Jersey increases car insurance rates by an average of 87%, raising a typical full coverage policy from $3,024/year to $5,655/year. That's an increase of $2,631/year ($219/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in New Jersey
Before DUI
$252/mo
$3,024/year full coverage
After DUI (+87%)
$471/mo
$5,655/year full coverage
Cheapest Companies After DUI in New Jersey
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $349/mo | $4,185/yr | Military families |
| Erie Insurance | $372/mo | $4,467/yr | Rate lock guarantee |
| GEICO | $386/mo | $4,637/yr | Clean driving record |
| Progressive | $415/mo | $4,976/yr | Telematics savings |
| State Farm | $429/mo | $5,146/yr | Good students |
| Travelers | $448/mo | $5,372/yr | Multiple discounts |
| Nationwide | $490/mo | $5,881/yr | Bundling home + auto |
| Farmers | $509/mo | $6,107/yr | Signal telematics |
| Allstate | $528/mo | $6,334/yr | Accident forgiveness |
| Liberty Mutual | $556/mo | $6,673/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, New Jersey, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in New Jersey
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in New Jersey
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in New Jersey
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $471/mo | +87% |
| Year 1 | $449/mo | +78% |
| Year 2 | $416/mo | +65% |
| Year 3 | $362/mo | +44% |
| Year 5 | $296/mo | +17% |
| Year 7 | $252/mo | Normal |