In our analysis, we found the cheapest high-risk car insurance rates in New Jersey are offered by Plymouth Rock and Geico. We found that Plymouth Rock often had the lowest rates overall while Geico was most affordable for seniors and those with speeding tickets.
High-Risk Car Insurance NJ
Updated: February 3, 2025
Advertising & Editorial Disclosure
Key Takeaways
In New Jersey, Geico Plymouth Rock and NJM offer the cheapest overall high-risk car insurance policies for both minimum and full coverage.
Depending on your driver profile you can pay anywhere from $1,181 to $7,730 annually for high-risk car insurance coverage.
To get the best deal on high-risk car insurance we recommend finding the coverage you need, researching average costs and discounts, and comparing multiple providers.
Cheapest Car Insurance For High Risk Drivers in NJ
| Plymouth Rock Assurance | Young Drivers | $57 |
| GEICO | Senior Drivers | $51 |
| GEICO | Drivers With a Speeding Ticket | $51 |
| Plymouth Rock Assurance | Drivers With an Accident | $60 |
| Plymouth Rock Assurance | Drivers With a DUI | $53 |
| Plymouth Rock Assurance | Drivers With Bad Credit | $94 |
| Plymouth Rock Assurance | Drivers With Bad Credit And Driving Violations | $109 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap NJ High-Risk Car Insurance Providers
While our above table provides an overview of which auto insurance companies are best for high-risk drivers, it doesn't fully represent every unique driver profile combination. So below, we've provided a table where you can compare rates of top cheap providers for your particular needs.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| NJM | $130 | $1,557 |
| Plymouth Rock Assurance | $151 | $1,814 |
| GEICO | $175 | $2,097 |
| Amica Mutual | $188 | $2,260 |
| New Jersey Skylands Insurance | $209 | $2,506 |
How Much is High-Risk Car Insurance in NJ?
Overall, high-risk car insurance costs in New Jersey can range anywhere from $98 per month to as high as $644 monthly depending on your unique combination of pricing factors. Below you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
| $98 | $1,181 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
In New Jersey, the legal look-back period can be as far after a violation as 10 years, though this is often reserved for those with major offenses such as DUIs or reckless driving. However, minor offenses tend to affect your rates around 3-5 years from the violation. In the end, how far in the future rates are affected is up to the provider and varies.
New Jersey High-Risk Car Insurance: Buyer's Guide
Finding car insurance with a high-risk driver profile can be tough. So we've created a comprehensive guide to help you understand what may make you high-risk to insurers, how to find the best cheap provider for you, and what to do if you get denied by most insurance providers.
What Is Considered a High Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find The Best High Risk Car Insurance in NJ
In the section below, we've provided key tips to help you save money and find the best provider for high-risk car insurance in New Jersey.
- 1
Decide What Coverage You Need
So you are not swayed by popular opinion or pushy agents, we recommend finding what car insurance you need before you start comparing companies. This also includes looking into any add-ons such as rideshare coverage and roadside assistance. You can use our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Knowing average costs for your profile and discounts you may qualify for arms you to understand how good of a deal you're getting when comparing providers and which to look to first. We also recommend looking into taking a New Jersey-certified defensive driving courses which can save you up to 10% on premiums.
- 3
Consider Non-Traditional Coverage Options
Looking into pay-per-mile car insurance and other usage-based car insurance programs can help you save money for safe driving and low mileage. For example, one of our cheapest providers, Geico, offers a telematics program that tracks your driving habits and can save you up to 30% on auto policies.
- 4
Compare Multiple Providers
Once you've considered all of your possible options we recommend comparing three or more different providers to get an idea of what insurers are offering. You should also use multiple means of comparing such as independent brokers and online comparison sites since rates may vary for the same companies. Also, make sure comparisons are apples to apples so you can properly see how auto insurance providers stack up.
What To Do If You Get Denied Coverage in New Jersey
You should understand that insurance is a voluntary market, which means that car insurance companies can deny you a policy if they analyze your details and find it too risky to insure you. However, even if you get rejected by insurers, you can still get a residual market plan through the Automobile Insurance Plan Service Office (AIPSO). New Jersey’s residual market plan is called the New Jersey Automobile Insurance Plan (NJAIP) and it makes personal private passenger and commercial automobile insurance coverage available for qualified applicants.
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:15 a.m.–4:30 p.m. ET
njaip@aipso.com
Phone
(800) 652-2471
Fax
(856) 722-9382
Mailing Address
NJAIP/NJSAIP/NJLSV,
P.O. Box 6530,
Providence, RI 02940-6530
NJ Low Income Car Insurance Program (NJ SAIP)
To help those with low-incomes, New Jersey offers a car insurance program called the NJSAIP that is $360 or $365 per year depending on your payment method. This coverage program provides coverage that satisfies minimum requirements for a low-cost for those that are elligible for Medicaid with hospitalization.
NJ Car Insurance For Reinstate Your License (NJ PAIP)
NJ PAIP provided by the state government which is a clearing house coverage matching program for those unable to find affordable auto insurance coverage or are denied elsewhere. As long as you are a resident of the state, have a car registered in New Jersey, and have a valid/suspended state license, you are elligible for the program.
Car Insurance For High-Risk Drivers in NJ: Bottom Line
Based on our research, Plymouth Rock, Geico and NJM are the best and most affordable providers for high-risk drivers in New Jersey. While we found this to be the case, we recommend you do your own research and compare costs on your own to find the best deal. Even if you are denied coverage, there are programs available for you to get affordable coverage.
NJ Car Insurance For High-Risk Drivers: FAQ
Below we've answered some frequently asked questions about high-risk car insurance in New Jersey.
What is the cheapest high-risk car insurance provider in New Jersey?
Overall, Plymouth Rock offers the cheapest overall car insurance for high-risk drivers in New Jersey. Their rates start at $51 per month for minimum coverage and $113 for full coverage policies.
What do I do if I get denied for coverage?
When you are denied for car insurance we recommend that you contact New Jersey’s AIPSO division to see if you qualify for coverage. Their program allows those who qualify to get coverage when other traditional providers have denied coverage. The state also has their PAIP and SAIP programs that can help those with low income, suspended licenses and other high-risk drivers.
How much more expensive is high-risk car insurance in New Jersey?
Depending on your driver profile, car insurance can be up to 225% higher for full coverage and 229% more expensive for minimum coverage. This is compared to auto insurance premiums for adults between 30 and 59 with good credit and no driving violations.
How We Chose The Cheapest High-Risk Car Insurance in New Jersey
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI. We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.