Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In New Jersey, drivers are required to carry auto insurance that meets certain minimum coverage requirements. These requirements include bodily injury liability coverage, which helps cover costs related to injuries to others in an accident that the policyholder is found liable for, and property damage liability coverage, which pays for damage to another person's property. The minimum amounts for these coverages are set by state law. The cost of auto insurance in New Jersey can be influenced by various factors, including the driver's record. Traffic violations such as speeding can lead to a significant increase in insurance premiums, and more severe infractions like DUI/DWI or hit-and-run can result in even higher costs. Drivers in New Jersey who have received a ticket or citation that may impact their insurance rates may benefit from consulting with an attorney who specializes in traffic violations and insurance law to explore their options and potentially mitigate the consequences.