NJ DWI and Points….Will Insurance Premiums Increase?

N.J.S.A. 39:4-50, Driving While Intoxicated, does not carry any NJMVC license points after a conviction.  However, a New Jersey DWI conviction will add 9 NJ insurance eligilbility points to one’s record for premium rate purposes.  That means that it is very likely that the imposition of 9 insurance eligibility points from a DUI guilty finding will cause one’s NJ car insurance rates to increase.  New Jersey has some of the highest car insurance premiums in the country.  A person convicted of drunk driving who is clustered with other insureds on one car insurance policy can remove themselves from such “family” coverage and obtain their own car insurance policy so as not to raise the rates for other covered parties in their household.

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