Roman Babakin/Getty Images
Speeding in Garden State costs more than time. You can hit your wallet with fines, extra fees and higher premiums. Depending on the driving speed and the speed of the violation, the New Jersey speeding ticket price can be landed between $85 and $260. However, if you see a speeding ticket in your driving record, costs can actually accumulate. In New Jersey, after a single speeding ticket, an average annual full-covered car insurance premium increases by $371.
How much will your insurance go up after a speeding ticket in New Jersey?
On average, New Jersey’s full coverage premiums rise by 13% on speeding tickets alone. This is an extra $31 a month for car insurance.
The good news is that a financial hit to automotive policy probably won’t happen anytime soon. Insurance companies may only become aware of speeding tickets when they appear in car reports.
Another thing to keep in mind is that speeding tickets are just one of many factors that affect premiums. Other insurance rating factors such as age and driving experience can affect your additional fees.
| Driver Profile | Average annual full coverage premium |
|---|---|
| Clean Record | $2,957 |
| Adult driver, single speeding ticket | $3,328 |
| 18 years old, clean record | $8,174 |
| 18 years old, single speeding ticket | $9,209 |
How speeding tickets for real drivers in New Jersey affected insurance
*The quotes and quotes contained on this page have been verified by our editorial team and are accurate as of the date of posting. Outlinked Content may contain opinions or opinions that do not reflect the views or opinions of the Bank.
How much insurance does New Jersey speeding tickets have?
The additional insurance fees differ from those of a driver’s license. Speeding tickets can stay on your official driving record forever, but usually only affect your pricing for 3-5 years, depending on the ticket carrier and severity. If you are convicted of a severe speeding case, you will be placed in the high-risk driver category and must seek compensation from a non-standard carrier.
How to avoid increased insurance after speeding tickets in New Jersey
The best way to avoid a higher rate after a speeding ticket is to make sure no violations are shown in your driving record. Even if that’s not an option and the rates go up, there are still steps you can take to find a more affordable premium.
Try to keep your speeding ticket from your driving record
By receiving only one speeding ticket, you could potentially increase your car insurance premiums for years. Instead of paying your ticket immediately, consider looking for ways to remove it from your driving record.
- Plead not guilty: If you feel that the ticket was issued incorrectly or want to sue your ticket for an inaction violation, you can sue your innocence. In New Jersey, drivers can plead online in some minor situations, but they may need to attend court.
- Consider a traffic court attorney: A traffic court attorney may be able to help you avoid official tickets for your records, but the cost of the representative may not be worth it in a mild speeding attack.
- Going to traffic school: Complete a certified defensive driving course and may reduce your driver’s license points and lower your insurance premiums. However, unless the judge is a condition of your plea bargain, it will not void the ticket from your records.
After tickets, shop competitive rates
Not all insurance companies rate speeding tickets the same. For example, carriers with diverse risk pools may be less billed for mobility violations than carriers focusing on priority drivers with clean records. Comparing car insurance rates between several airlines will help you find coverage that will work better on your budget. New Jersey drivers with a single speeding ticket can save as much as $3,200 a year by switching to another carrier.
Drive defensively to avoid future speeding tickets
Speeding tickets are not uncommon, but that doesn’t mean you should give up on maintaining a good driving record. The extra fees fade over time, and by avoiding future tickets, you can earn a safe driving discount that you may have lost.
Taking a defensive driving course or enrolling in a telematics insurance plan is a great way to practice safe driving while earning discounts. Also, if your vehicle comes with Intelligent Speed Assistance (ISA), keeping it active will help to keep your lead foot down.
FAQ
Methodology
Bankrate uses Quadrant Information Services to analyze April 2025 fees for all ZIP codes and carriers in all 50 states. The cited fees are based on 40-year-old male and female drivers with clean driving records, good credits and the following full coverage limits:
- $100,000 per person physical injury liability
- $300,000 for each accident
- Liability for property damages of $50,000 per accident
- Uninsured driver physical injury for $100,000 per person
- Uninsured driver’s physical injury for $300,000 per accident
- $500 collision deduction possible
- Comprehensive $500 deduction
To determine the minimum coverage limit, bank rates used minimum coverage to meet the requirements of each state. Our base profile driver owns a 2023 Toyota Camry, commutes five days a week and drives 12,000 miles a year. Bundles and paperless billing discounts apply.
These are sample rates and should be used for comparison purposes only. Your quote is different.
If specified, the base profile has been modified with the following driver characteristics:
