How A DUI Conviction Affects Your Insurance In New Jersey

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How A DUI Conviction Affects Your Insurance In New Jersey

Insurance Points — A NJSA 39:4-50 conviction (or a guilty plea) will result in the addition of nine insurance points to your driving record. These points are different from the Motor Vehicle Commission points that are given for some driving offenses. They are used by New Jersey insurance companies to determine whether they will cover you and, if so, how much you will need to pay. If you get too many points, you may find that no insurers are willing to cover you, and you will be forced to buy insurance through the more expensive New Jersey Personal Automobile Insurance Plan (NJPAIP).

Driving under the influence of alcohol or drugs is a serious charge, and you face severe penalties if you are convicted…make sure your rights are protected.

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New Jersey DUI/DWI Penalties

First Offense with Blood Alcohol Content Between 0.08% and 0.10%

  • Three months suspended driver’s license
  • $250-$400 fine
  • $230 IDRC* fee
  • $100 to drunk driving fund
  • $100 to AERF*
  • $1,000/year (for 3 years) surcharge
  • $75 to Neighborhood Services Fund
  • 12-48 hours at Intoxicated Driver Resource Center (IDRC)
  • Up to 30 days imprisonment

First Offense with Blood Alcohol Content Over 0.10%

  • Seven months to one year suspended driver’s license
  • $300-$500 fine
  • $230 IDRC* fee
  • $100 to drunk driving fund
  • $100 to AERF*
  • $1,000/year (for 3 years) surcharge
  • $75 to Safe Neighborhoods Services Fund
  • 12-48 hours IDRC
  • Up to 30 days imprisonment
  • Ignition Interlock Device if BAC ≤ .15

Second Offense

  • Two years suspended driver’s license
  • $500-$1,000 fine
  • $280 IDRC* fee
  • $100 to drunk driving fund
  • $100 to AERF*
  • $1,000/year (for 3 years) surcharge
  • $75 to Safe Neighborhoods Services Fund
  • 30 days community service
  • 12-48 hours IDRC
  • 49 hours to 90 days imprisonment
  • Ignition Interlock Device 1-3 years (starting from date license is suspended)

Third or Subsequent Offense

  • Ten years suspended driver’s license
  • $1,000 fine
  • $280 IDRC* fee
  • $100 to drunk driving fund
  • $100 to AERF*
  • $1,500/year (for 3 years) surcharge
  • $75 to Safe Neighborhoods Services Fund
  • Up to 90 days community service
  • 12-48 IDRC
  • 180 days imprisonment
  • Ignition Interlock Device 1-3 years (starting from date license is suspended)