How Will a DUI Conviction Impact My Insurance Rates in New Jersey?
Posted May 22nd, 2025.
Categories: Blog.
Being convicted of a DUI in New Jersey will be accompanied by a slew of legal and general repercussions. You could face jail time, extensive fines, mandatory drug and alcohol education courses, a license suspension, and more. It is crucial to consider how your DUI conviction will impact your insurance rates. To secure skilled legal representation and discuss the details of your case, reach out to an experienced New Jersey criminal defense attorney today.
How Will a DUI Conviction Impact My Insurance Rates in NJ?
After being convicted of a DUI in New Jersey, your auto insurance rates will increase, sometimes drastically. After a DUI, the rate you will be offered will vary substantially between companies. According to studies, the average amount that insurance rates will increase after a DUI conviction is 82%. The actual amount can range from around 30 to well over a 100% increase.
It is also important to note that New Jersey has a surcharge program that affects drivers convicted of certain offenses, including a DUI. When you are convicted of a DUI in NJ, you will face surcharges along with increased premiums. Surcharges can range from $1,000 to $1,500 per year and are generally imposed for three years post-conviction. This surcharge is mandatory and cannot be adjusted or negotiated by either you or your insurance provider as it is paid directly to the state.
Will My Insurance Premiums Be Affected Forever?
In New Jersey, a DUI conviction remains on your driving record forever. Driving under the influence is categorized as a traffic offense in NJ, not a criminal offense. This means that there is no opportunity for expungement as a conviction does not leave you with a criminal record.
You will likely pay higher insurance premiums than an individual with no DUI conviction for the following 10 years. After 10 years the conviction is not generally considered by the state or insurance companies. However, most insurance providers will slowly begin lowering your rates after a few years without an additional conviction. The actual changes in your premiums will depend on your driving history besides the DUI and the company you are insured with.
After 3 to 5 years without further incidents, your rates will likely start to decrease, but this will depend on whether you have accumulated other violations or claims during that time.
To learn more about your legal rights and options after being convicted of a DUI, consult with an experienced defense attorney at the Law Offices of Mark S. Guralnick today.
