Driving in New Jersey: Statewide Stats
New Jersey State Car Insurance Requirements
More information on these different policies can be found at the state’s Department of Banking & Insurance page.
Did you know?
Motor Vehicle Commission
According to Mothers Against Drunk Driving, there were 164 drunk driving fatalities in 2012 (representing 28% of all total traffic deaths). In 2013, there were over 24,000 DUI arrests in the state.
The Motor Vehicle Commission lists the following penalties for a first-time DUI offense:
The Bottom Line
As with most states, New Jersey’s auto insurance rates are most affected the DUI and uninsured motorist rates. However, the population density (which is much higher than most states) is a huge factor as well. Many residents commute to and from the cities, or across into New York, and with that many drivers on the road each day, the risk of traffic accidents increases exponentially.
All the more reason to make sure you are always paying the cheapest rate! With so many companies competing for your business, now is a great time to call an agent! A licensed professional can guide you through the buying process and ensure that you are paying the cheapest rates available. Call us at the number above, or check out one of our local pages for a list of agents in your area.