Reisig Criminal Defense & DWI Law, LLC

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How Many Years Until My Insurance Rates Normalize If I’m Convicted Of DUI As An Underage Driver In New Jersey?

November 7, 2023 by Matthew Reisig

Facing a DWI in New Jersey is daunting, more so if you’re under 21. It’s an unwelcome hurdle, one that can set off a domino effect of consequences, particularly when it comes to car insurance rates. You might wonder, just how long will this shadow loom over your driving record? Unfortunately, there isn’t a simple answer.Car Insurance Rates after and underage DWI in NJ

Each insurance company has its own playbook. They might outright refuse to cover you or could slap you with elevated rates for various durations — 2, 3, 5, 7, or even 10 years. In some cases, they might even hold it against you for life. Why such disparity? Insurers assess risk differently, and a DWI conviction is a glaring red flag, signaling a high-risk driver.

New Jersey’s stance on DWI doesn’t make it any easier. Unlike some states, New Jersey doesn’t categorize DWI as a criminal offense; thus, it sits permanently on your driving abstract. Expunging or sealing the record isn’t an option—even for juveniles. This means insurance companies can peer into your driving past and use that DWI against you indefinitely.

The fallout from an underage DWI goes beyond just your wallet. It’s a penalty that unfolds in various areas of your life, serving as a relentless reminder of one mistake. For underage drivers, the system is even more stringent. New Jersey law has zero tolerance for underage drinking and driving.

The allowed alcohol level for drivers under 21 is much lower than for those over 21, making it easier to face charges for even minimal alcohol consumption.

Here’s the silver lining: not all hope is lost when you’re staring down the barrel of a DWI charge. In New Jersey, every driver, irrespective of age, has the right to a strong defense. That’s where a seasoned New Jersey DWI attorney comes in.

With over 1,402 drivers helped, Attorney Matthew Reisig’s experience in the courtroom has turned the tide for many facing DWI charges. Having a knowledgeable attorney like Matthew Reisig can be the difference between a conviction with lasting repercussions and a favorable outcome that puts you back in the driver’s seat.

When you’re under 21, the world is already complex enough. Don’t let a DWI conviction dictate your future. An attorney who knows the ropes can challenge the charges, negotiate with the prosecution, and meticulously comb through evidence for any advantage.

Matthew Reisig does just that. He doesn’t just see a case number; he sees you, your aspirations, and your right to a second chance.

In short, while car insurance rates post-DWI can be unpredictable and the penalties harsh, there is a pathway through the legal system.

It starts with understanding your situation, continues with hiring expert legal defense, and ends with learning from the past while driving into a more responsible future. Remember, a DWI isn’t the end—it’s a detour, one that you can navigate with the right support.

If you need a DWI attorney in NJ, call 732-625-9660 today for a free consultation.

 

More Info On Juvenile/Underage/Minor DWI Arrests & Convictions

Can I Drive To And From School After A DUI Conviction In New Jersey?
What Are The Penalties For Underage DUI In New Jersey?
Can My Kid Go To Jail For An Underage DUI In New Jersey?
What Is “Baby DUI” In New Jersey?
Can An Underage Driver Be Charged As An Adult For DUI In New Jersey?
Can You Help My Teenager Who Was Charged With DWI In New Jersey?
Do You Represent Underage Drivers With DWIs In New Jersey?
What’s The Blood Alcohol Limit For Underage Drivers In New Jersey?
What Happens To Drivers Who Are Under 21 When They Get A DUI In New Jersey?
What Are The Penalties For DWI For A 19-year-old In New Jersey?
What Is Underage DWI In New Jersey?




Do you like to win? We do!

Reisig Criminal Defense & DWI Law, LLC has helped thousands of individuals that were arrested for DWI. In fact, we've helped clients in ALL 21 NJ Counties from our Office in Monmouth County. A significant number of our clients are from Monmouth County & Ocean County, but every week, we travel to courtrooms across the state. Here's a few areas we visit every year to help our clients: Upper Freehold, Manalapan Township, Manasquan, Deal, Freehold, Sea Girt, Marlboro Township, Howell, Middletown Twp, Farmingdale, Spring Lake, Tinton Falls, Red Bank, Wall, Brielle, Holmdel, Colts Neck, Hazlet, Matawan, Asbury Park, Belmar, Eatontown, Sea Bright, Millstone Township, Neptune Township, Ocean, Aberdeen and Keyport.


Reisig Criminal Defense & DWI Law, LLC
1 Broad St
Freehold, NJ 07728
732-625-9660



 

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Filed Under: Underage DUI Charges

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Reisig Criminal Defense & DWI Law, LLC OFFERS FREE TELEPHONE AND OFFICE CONSULTATIONS AT 732-625-9660.

Main Office: 1 Broad Street Freehold, NJ 07728 - 732*625*9660
Since 1995, we have represented clients in all 21 NJ Counties - Atlantic County, New Jersey (Mays Landing, NJ), Bergen County, New Jersey (Hackensack, NJ), Burlington County, New Jersey (Mount Holly, NJ), Camden County, New Jersey (Camden, NJ), Cape May County, New Jersey (Cape May Court House, NJ), Cumberland County, New Jersey (Bridgeton, NJ), Essex County, New Jersey (Newark, NJ), Gloucester County, New Jersey (Woodbury, NJ),Hudson County, New Jersey (Jersey City, NJ), Hunterdon County, New Jersey (Flemington, NJ), Mercer County, New Jersey (Trenton, NJ), Middlesex County, New Jersey (New Brunswick, NJ), Monmouth County, New Jersey (Freehold, NJ), Morris County, New Jersey (Morristown, NJ), Ocean County, New Jersey (Toms River, NJ), Passaic County, New Jersey (Paterson, NJ), Salem County, New Jersey (Salem, NJ), Somerset County, New Jersey (Somerville, NJ), Sussex County, New Jersey (Newton, NJ), Union County, New Jersey (Elizabeth, NJ), Warren County, New Jersey (Belvidere, NJ)

*The reference to 1,402 cases without a DWI conviction applies to cases prior to November 1, 2018. This information should not create an unjustified expectation that similar results can be obtained for others without regard to the specific factual and legal circumstances.
** We have an 82% Winning Percentage at Trial from 2012 through 2017, likely the best in NJ during that time.

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