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Can’t Afford Car Insurance in NJ? Don’t Risk Driving Without It

New Jersey is one of, if not the most, expensive states to own and operate a car. According to the National Association of Insurance Commissioners, the average auto insurance premium in NJ was $1,220 in 2012 – the last year data was available at the time the NAIC issued its annual industry report earlier this year.

New Jersey ranked the highest in auto insurance premiums for the third year in a row. Washington DC trails a close average of $1,155 and New York drivers paid an average of $1,152 in 2012. Drivers in Idaho got the biggest break, according to the report; auto insurance premiums are an average of $535 a year there. It should be noted that the national average is $815 per year and NJ tops out 49 percent higher than that annual national average for car insurance premiums.

With all that being said, it’s no wonder many New Jersey drivers can’t afford car insurance. Even the minimum requirement, liability, is astronomically expensive here – an average of $861 in 2012. Add in collision and comprehensive, required for leased and financed vehicles, and many drivers have no choice but to pass on insurance all together.

If you are one of the unfortunate ones who cannot afford car insurance in NJ, however, be warned that driving without insurance is a serious crime punishable by severe penalties. Depending on whether this is your first or subsequent offense, you can be harshly fined, lose your driving privileges, be sentenced to community service and, worse, you may even be forced to spend time behind bars.

An important note: While the driver involved in the traffic stop is generally the person who will receive the ticket for driving an uninsured vehicle, the actual owner of the car can be charged, as well, if it can be proven that they allowed the driver to take the wheel even though the car wasn’t insured.

If you or someone you know is facing a driving without insurance charge in New Jersey, you need to take the ticket very seriously. Contact an aggressive traffic violations lawyer at Rudnick, Addonizio, Pappa & Casazza PC. We will fight to get your charges downgraded and, when possible, dismissed. From our Hazlet and East Brunswick offices, we serve clients in and around Hazlet, Middletown, Keyport, Union Beach, Holmdel, Red Bank, Monroe, Rumson, Asbury Park, Highlands, Atlantic Highlands, Leonardo, Sea Bright and Monmouth Beach. Call today at 888-657-8883 to schedule a free consultation, or fill out a contact form online.

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