Insurance Consequences

If you are convicted of a DWI in New Jersey, your insurance company will do one of two things:

  • the company can terminate your coverage, and you will be forced to seek alternative coverage from another insurance company that will likely place you in an enhanced risk category with higher premiums than an average driver; or,
  • your insurance company can surcharge you for the additional risk of maintaining your insurance.

The additional cost of insurance after a DWI conviction in New Jersey can add several hundred to several thousand dollars to your insurance bill each year for three years after the conviction.

Typically, young, single, male drivers are in the highest premium cost category. Insurance companies consider age, gender, type of vehicle, driving history, and other factors in setting their rates.

Many people are not aware of this added cost, and the court system generally does not advise the DWI defendant of this separate cost of a conviction.

Insurance company surcharges are separate, as well, from the surcharges levied by the State of New Jersey after a DWI conviction. In addition to your insurance company surcharges, the State of New Jersey will surcharge you $1,000.00 a year for three years following the DWI conviction.

The added cost of insurance coverage and the State surcharge after a DWI conviction should be taken into consideration when deciding how to challenge the DWI charges. Please call Levow DWI Law to discuss how we can fight the case against you.

Client Reviews
★★★★★
This firm is arguably the best representation money can buy. Highly adept and committed, Evan makes himself available all hours of the day to provide accurate and concise answers to any questions/concerns and put your mind at ease. I was highly satisfied with the results he and his team delivered. Worth every penny. T.N.
★★★★★
I express my utmost gratitude to Evan Levow. When I met Evan, I was charged with a DUI, with a prior DUI 10 years ago. Before that case was over, I unfortunately received another DUI, and was now facing 180 days in jail. In both cases, Evan got the DUI's dismissed! Evan and his team demonstrate knowledge, expertise, professionalism, perseverance, and much more. There is a passion for justice in this firm and I witnessed that "fire" in Evan. Thank You so much. F.C.
★★★★★
You dug through the facts of my case thoroughly and found all the errors that were made by the officers. From the breathalyzer error, to the observed time error, to my condition, to my foot failing the balance test, you dug out all the facts, and I am grateful for that. I am back to my career which is a bus driver and once again thank you. D.B.