The words “low-priced” and “insurance” really don’t belong together, especially when you are looking for the cheapest auto insurance for drivers with a DUI. In an attempt to save some money, let’s learn about some situations that have an effect on insurance prices, and come up with some ways to reduce the price of the next policy you buy.
Figuring out which companies quote the lowest-priced insurance rates for drivers with a DUI will require more work in order to find coverage that fits your budget. Every auto insurer has a proprietary method to determine premium rates, so we need to take a look at the insurance companies with the overall cheapest rates in New Jersey.
Compare Cheap Insurance Quotes after a DUI
|Rank||Company||Cost Per Year|
|3||New Jersey Manufacturers||$1,258|
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21st Century generally has some of the cheapest car insurance rates in Newark at around $1,078 each year. Travelers, New Jersey Manufacturers, Palisades, and Penn National also make the cut as some of the lowest-priced Newark, NJ insurance companies.
As depicted above, if you buy coverage from New Jersey Manufacturers and switched to 21st Century, you might see a yearly savings of upwards of $180. Policyholders with Palisades might save as much as $276 a year, and Penn National customers might realize rate reductions of up to $301 a year.
Bear in mind that those premiums are averaged across all insureds and vehicles and and are not calculated with an exact vehicle garaging location for drivers with a DUI. So the car insurance company that has the lowest price for you may not even be in the top 19 companies shown above. That is why you need to get auto insurance quotes using your own personal information and vehicle type.
After getting a DUI, one of the largest criteria that are looked at to help calculate the price you pay for insurance is your zip code in Newark. More densely populated places tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.
The information below lists the most expensive places in New Jersey for drivers with a DUI to buy car insurance in. Newark shows up at #1 with the annual price of $2,598 for the average insured, which is about $217 per month.
|2||West New York||$2,506|
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Annual rates are comparative as the specific area where the vehicle is garaged can modify premium rates substantially.
The make and model of vehicle to be insured is probably the biggest factor in finding affordable auto insurance for drivers with a DUI. Vehicles with high performance features, poor safety ratings, or a track record of large liability claims will cost much more to insure than safer, lower-performance models. The next table presents auto insurance rates for a number of the more affordable automobiles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$2,649|
|Hyundai Elantra GLS Touring Station Wagon||$2,888|
|Honda CR-V EX-L 4WD||$2,895|
|Jeep Wrangler Sport 4WD 2-Dr||$3,002|
|Toyota RAV4 Limited 4WD||$3,134|
|Chevrolet Impala LT||$3,140|
|GMC Sierra SLE Crew Cab 2WD||$3,134|
|Ford F-150 SVT Raptor Super Cab 4WD||$3,193|
|Dodge Grand Caravan SE||$3,245|
|Ford Edge Limited AWD||$3,309|
|Chevrolet Equinox LT AWD||$3,346|
|Chevrolet Silverado LS Extended Cab 4WD||$3,355|
|Nissan Rogue S 2WD||$3,355|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$3,368|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$3,376|
|Toyota Camry LE||$3,417|
|Chevrolet Malibu LS||$3,426|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$3,426|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$3,488|
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Data variables include single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific garaging location which can modify premiums greatly.
Looking at the numbers, models like the Ford Escape, Hyundai Elantra, Honda CR-V, Jeep Wrangler, and Toyota RAV4 are some of the more affordable vehicles to insure after getting a DUI. Rates will be higher anyway just because there is more liability risk for drivers with a DUI, but overall those models will tend to have the lowest prices available.
Poor driving habits will raise your insurance rates
The ideal way to get the cheapest insurance rates in New Jersey after getting a DUI is to pay attention while driving and avoid at-fault accidents and violations. The chart below demonstrates how traffic citations and accident claims drive up premium costs for each age group. The premiums assume a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of auto insurance in Newark per year with no violations or accidents is $2,360. Receive two speeding tickets and the average cost rises to $3,371, an increase of $1,011 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of insurance for drivers with a DUI jumps again to an average of $6,806. That’s an increase of $4,446, or $370 per month, just for being a careless driver!
How to get discounts on Newark auto insurance
Car insurance companies that provide policies for drivers with a DUI could also offer price discounts that may potentially lower prices by 25% or more if you meet eligibility requirements. A few of the larger companies and a selection of discounts are shown below.
- American Family offers discounts including accident-free, good driver, multi-vehicle, early bird, and Steer into Savings.
- Nationwide offers discounts for anti-theft, family plan, good student, business or organization, easy pay, Farm Bureau membership, and defensive driving.
- MetLife has savings for good student, defensive driver, claim-free, multi-policy, good driver, and accident-free.
- 21st Century may have discounts that include defensive driver, student driver, good student, driver training, and homeowners.
- Farmers Insurance has discounts for distant student, homeowner, alternative fuel, switch companies, early shopping, mature driver, and youthful driver.
- Allstate may include discounts for safe driver, farm vehicle, multi-policy, resident student, economy car, and premier plus.
The example below illustrates the comparison of auto insurance rates with and without policy discounts. The information is based on a male driver, one citation and no at-fault accidents, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, paperless filing, anti-theft, multiple vehicle, homeowner, and vehicle safety discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for drivers with a DUI is 28% or $710.
Full coverage or liability only
Buying cheaper insurance is probably important to the majority of drivers, and an effective way to pay less for insurance for drivers with a DUI is to not buy comprehensive and collision coverage. The example below visualizes the comparison of insurance costs with full coverage compared to only the New Jersey minimum liability coverage. The price estimates are based on no violations or claims, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,010 per year over liability only. That touches on the question if you should buy full coverage at all. There is no set guideline to drop physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
If you wish to get some help when comparing insurance rates after getting a DUI, the agents listed below can probably help you make a decision which coverage fits your budget.
To find an agent close to you, click the button following the list or click here to compare price quotes.
Ed Young Agency
942 S Orange Ave – Newark, NJ 07106 – (973) 375-0003
568 Broadway # B – Newark, NJ 07104 – (973) 482-5898
306 Chestnut St – Newark, NJ 07105 – (973) 344-6203
Halsey Street Agency Inc
199 Halsey St – Newark, NJ 07102 – (973) 621-0955
State Farm: Greg Daniels
681 1/2 Mt Prospect Ave – Newark, NJ 07104 – (973) 484-5772