How a speeding ticket impacts your insurance in New Jersey
If you have earned a speeding ticket in New Jersey, you may have wondered how much it will cost you. There are, of course, civil fines and other penalties associated with a speeding ticket. But your insurance will probably go up, too. Why do you think a speeding ticket would increase your insurance rate? Simply because insurers consider their risk when determining your rate, and past infractions, they reason, mean you are more likely to file claims in the future. When will a speeding ticket show up on insurance? And will 4 points affect my insurance? We’ve got some answers to your questions about how a speeding ticket could affect your insurance in the Garden State.
How much is a speeding ticket in New Jersey?
According to New Jersey laws, the cost of a speeding ticket can vary based on how many miles per hour (mph) a driver was going over the speed limit. Depending on the severity of your infraction and your past driving record, your license could be suspended or revoked, your vehicle could be impounded and you may face jail time. Here are the fines you are likely to pay, depending on your speed:
- 1-9 mph over the limit: $85
- 10-14 mph over the limit: $95
- 15-19 mph over the limit: $105
- 20-24 mph over the limit: $200
- 25-29 mph over the limit: $220
- 30-34 mph over the limit: $240
- 35-39 mph over the limit: $260
- Anything higher than 40 mph over the limit: court appearance is required
As of March 2025, a New Jersey driver with a clean record pays an average of $1,172 for state-mandated minimum coverage, while full coverage, which includes optional collision and comprehensive insurance, costs an average of $2,938. After a speeding ticket, the average costs rise to $1,440 for minimum and $3,309 for full coverage. That’s an increase of 23 percent and 13 percent, respectively.
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance for New Jersey drivers with a speeding ticket
Since every insurer uses their own proprietary algorithms to determine your car insurance rate, asking for quotes from a handful of companies is likely to earn you a range of different premiums. Because of this, it can make sense to gather several quotes when looking for the cheapest car insurance in New Jersey. You may want to start your search with the following companies, which are known for writing cheap policies on average in the Garden State:
| Company | New Jersey rate before speeding ticket* | New Jersey rate after speeding ticket* | % increase after speeding ticket |
|---|---|---|---|
| Travelers | $1,736 | $2,194 | 26% |
| NJM | $1,904 | $2,195 | 15% |
| Plymouth Rock | $2,023 | $2,371 | 17% |
| National General | $2,056 | $2,524 | 23% |
| Penn National | $2,455 | $2,926 | 19% |
| *All rates displayed are average full coverage rates as of March 2025. |
What to do after a speeding ticket in New Jersey
Speeding tickets are fairly common, but because they can be indicators of risky driving habits, most insurance companies will increase your premium after a citation. However, you may be able to take steps to lower your premium to help offset the increase.
Get quotes from other car insurance companies
Different New Jersey car insurance companies rate policies differently; some may charge more for tickets than others. Comparing quotes could help you find a cheaper carrier. Switching companies may be worth your while if you could significantly save on car insurance.
Although price is an important aspect when it comes to car insurance, there are other factors you may want to consider before you decide on a carrier. Reading customer reviews, analyzing third-party ratings and visiting the carrier’s website may help you learn more about the company and its insurance products.
Look for discounts
Discounts could be an excellent way to reduce your premium after a speeding ticket. Do some research or speak with an agent to find out which discounts are available that you may qualify for.
- Ask about a telematics discount: Installing a telematics device in your vehicle may not only save you money on your auto policy, but it may also help encourage safe driving habits.
- Drive safely: Improving your driving habits typically leads to future discounts, like a safe driver or claims-free discounts.
- Purchase multiple products from the same insurer: Bundling your home and auto often leads to significant savings on your policy.
- Pay up front: Paying your premium in full rather than in installments could earn you a discounted rate.
Consider your coverage
Unless your policy includes only New Jersey’s minimum insurance requirement, you may be able to drop optional coverages if saving money is your highest priority. If you have an older car, for example, that might not be worth repairing if it was in a serious accident, you could potentially drop collision and comprehensive coverage. Keep in mind, however, that if you have a car loan or lease, your lender will probably require these options. Ask your insurance agent how much coverage you need to ensure you are financially protected.
You might also look at your deductible. In general, a higher deductible will lead to a lower premium, since it means you will be paying more after a claim before insurance kicks in. So you might increase your deductible from $500 to $1,000 to lower your payments. But be careful to only increase the deductible to an amount you would be comfortable paying if necessary.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket.
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