You may be wondering why, amid intricate legal issues to discuss, is there an article on car insurance? Simple really—there’s a dirty little secret that needs to come to light. You probably know that to drive in New Jersey, you must carry car insurance. What you may not know is that even if you have a perfect driving record, New Jersey car insurance companies can charge you more if you don’t have a college education, if you work in a blue-collar job, if you rent your home, or if your credit score isn’t perfect. 

If that is not enough to alarm you, because car insurance in the state is mandatory, you can be fined and punished if you drive without it. In short, New Jersey drivers who don’t have a four-year college degree or who have lower credit scores are being charged more, forcing them to either overpay, or, if they cannot afford it, to forgo driving and hold jobs only accessible by foot, bicycle, or public transportation.