A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In New Jersey, a DUI/DWI (Driving Under the Influence/Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. New Jersey law considers DUI/DWI a serious traffic violation, and as a result, insurance companies may increase premiums significantly, sometimes by an average of 80% or more, due to the heightened risk associated with insuring a driver with such a conviction. Furthermore, if a driver has multiple DUI/DWI convictions, it becomes even more challenging to find an insurance carrier willing to provide coverage, as the risk is deemed too high by many insurers. This difficulty in obtaining insurance is compounded by the fact that New Jersey requires drivers to carry a minimum level of auto insurance. Therefore, a DUI/DWI conviction not only affects one's driving privileges but also their financial situation and ability to legally operate a vehicle due to insurance constraints.