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NPAIP.COM's Directory of NJ Counties where free quotes and njpaip, njcaip coverage is available.  Licensed NJ PAIP Producers serving these NJ counties:
Atlantic County
Bergen  County
 Burlington County
Camden County
Cape May County
Cumberland County
Essex County
Gloucester County
Hudson County
Hunterdon County
Mercer County
Middlesex County
 Monmouth County
Morris County
Ocean County
Passaic County

Somerset County
Sussex County
Union County
Warren County


Audubon Borough

Audubon Park Borough

Barrington Borough

Bellmawr Borough

Berlin Borough

Berlin Township

Brooklawn Borough

Camden City

Cherry Hill Township



Cherry Hill Mall


Golden Triangle



Chesilhurst Borough

Clementon Borough

Collingswood Borough

Gibbsboro Borough

Gloucester City

Gloucester Township



Haddon Heights Borough

Haddon Township

Haddonfield Borough

Hi-Nella Borough

Laurel Springs Borough

Lawnside Borough

Lindenwold Borough

Magnolia Borough

Merchantville Borough

Mount Ephraim Borough

Oaklyn Borough

Pennsauken Township

Pine Hill Borough

Pine Valley Borough

Runnemede Borough

Somerdale Borough

Stratford Borough

Tavistock Borough

Voorhees Township


Waterford Township

Winslow Township

Woodlynne Borough

NJ Assigned Risk Automobile Insurance Resources

Camden County NJPAIP Rates are set by a state appointed assigned risk servicing organization. Get your quote started with the easy NJPAIP Quote Form.-NJ Insurance Quote Help Here

What is NJ PAIP?   NJ Assigned or High Risk Car Insurance 

NJPAIP: NJ Car insurance for drivers with 7 or more points , . 

The points may be all moving violations or a combination of NJ Insurance Points and NJ MVC Points, they are added together for your total NJ PAIP eligibility points.

To find out how many points you have visit the NJ Motor Vehicle Commission-NJMVC Web Site or phone
609- 292-7500  where you will actually talk with a real person and review your NJ Driver License history.

Then return back here and click on NJPAIP Car insurance quotes help, click here for assistance. and you will be able to accurately get a NJ PAIP Quote. If you know how many points you have or were cancelled mid term for non payment go ahead and complete the quote request now.  Consumers that need help may call

If you were cancelled mid term for non payment, you will need a copy of the cancellation letter from your former NJ car insurance company. If you do not have this letter you should call and request it right away when meeting with a NJPAIP certified producer for PAIP qualification.

So you have been told by your present insurance company that you need a NJ-PAIP NJ Car insurance high risk policy due to your accumulation of moving violation points and or at fault accident points or a combination of both, you may purchase it, the policy costs more than a New Jersey preferred automobile insurance policy and one of the NJ Car insurance companies called LADS binding coverage in New Jersey will be assigned your policy, neither you nor the insurance company may choose. The applications are Assigned to an insurance company so that they share the high risk drivers somewhat evenly. NJPAIP Personal NJCAIP Commercial and NJUZAR- rates are set and approved by the state of New Jersey department of banking and insurance, and are administered by a national non profit organization.


All private passenger vehicles are mandated by NJ law to maintain automobile liability insurance, N.J.S.A. 39:6A et seq. Personal auto coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan. Rate Filing Requirement - N.J.A.C. 11:3-16   Eligible Persons Regulation - N.J.A.C. 11:3-34 Standard/Nonstandard Regulation - N.J.A.C. 11:3-19 Underwriting Guidelines - N.J.A.C. 11:3-35
NJ Car Insurance

An informational guide on NJ Assigned Risk and NJ Preferred Risk Automobile Insurance for Camden County residents.

How does where I live in New Jersey affect my premium?

Where you live or, more precisely, where you keep your car at night has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a vehicle owner in Newark NJ, pays a higher rate than the owner of an identical vehicle in Vineland NJ.

Other factors affecting insurance territory rates include time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services. Insurers even factor in the litigation rates in a given area, how many lawsuits are filed, go to trial, are settled out of court, and for how much money.

Why are rates different for different cars, even if the cars cost the same?

Vehicles are also grouped into categories according to their chances of being damaged, vandalized or stolen. Insurance companies generally consider the size and type of car as well as the value and the cost of repairs which vary greatly, even on cars that cost about the same amount. Therefore, it is assumed that a new sport utility vehicle is expected to hold up better in an accident than a sleek sports car or a sub-compact car.

That is why you should research insurance coverage before you buy your car. It helps you to understand the actual cost and indicates those vehicles with good safety records. Your NJ insurance company will ultimately reward you with lower premiums for putting safety first.

What is no-fault insurance?

No-fault insurance is a system adopted in some states that essentially bypasses the conventional legal procedure which finds fault in an accident. This is the procedure by which you hire a attorney, file suit and possibly go to court to prove the accident was the other guy's fault. No-fault simply does away with the concept of one party or the other being at fault--no lawyers, no court, no judge, no jury, no lengthy lawsuits against the other party. This is considered beneficial to all taxpayers, because it eliminates costly legal proceedings that the state must manage, and to insurance policyholders, because it helps keep rates down.

If you are insured in a no-fault state and have an accident, you do not have to go after the other driver. You contact your own insurer and file a claim. Your own insurance policy guarantees you immediate compensation for damages, medical expenses, lost wages, essential services, rental car arrangements etc. (If these coverages are included)

The type and range of no-fault coverage varies from state to state. What defines the limitations of no-fault policies can differ in two important areas:

Threshold--The type of damage or injury or the cost of repair or recovery that triggers the need for legal action.
Mandated--Benefit Level The package of benefits (medical, wage loss, replacement services and other expenses) your state requires you to carry.

Do all states require some kind of liability insurance?

No. Some states, while not mandating auto insurance, have what is known as financial responsibility laws that require all drivers to be able to pay for any damage or injury they may cause. However, carrying liability insurance is still the best and most affordable way for you to meet your state's financial responsibility requirements once you know what they are.

UM and UIM policies are offered by law in all states, including no fault states. In fact, some states require all motorists to carry this coverage in order to gain protection from inadequate insurance coverage of other drivers that may not carry enough or higher limits as the majority does; i.e., 100-300-50,000.

What happens if I have an accident with an NJ uninsured or NJ underinsured or out of state driver?

First, call the police to the scene to be sure all pertinent information is properly recorded. Your nerves will be shaken right after an accident, and it helps to have a calm and knowledgeable person walking you through the necessary details.

Then, contact your policy holder services or claims number usually on you ID Card  immediately and ask about filing a claim. If you followed all the recommended guidelines and procedures when you bought your policy, you should be covered within the benefits and or limitations of that policy. Remember, your car insurance policy is designed to protect you and anyone in your vehicle.

If the cost of your physical damages or personal injuries exceed the amount your policy will pay for, it may be time to take legal action against the other party. Even if you have no-fault insurance, sometimes the only way to be compensated is to place blame and responsibility where it belongs. That is why it is best to get a police report documenting the incident and any witnesses statement while it is fresh in their minds. This will preserve that moment in time and remove any room for doubt later in the legal process.

It is better to have the police report and not really need it, than it is to need one for court and not have one because it would have taken another thirty minutes to an hour extra at the incident scene.

Why would my NJ Insurer cancel my policy?

Technically, in most states your insurer can cancel your policy only if:

  • you fail to pay your premium;
  • you lose your driver's license;
  • you are guilty of material misrepresentation during the application process i.e., you fail to notify your insurer of a recorded violation, such as a drunken driving, or possession of drugs or any illegal activity offense; or
  • you fail to report a substantial change of risk, such as buying a new high performance sports car to replace an old high mileage family sedan.

However, your insurer may choose not to renew your policy for a variety of reasons.
Do you have a bad driving record? Have you received a lot of speeding tickets? Have you ever been caught driving drunk? Not only are these scenarios considered unsafe and illegal, they are justifiable cause for your insurer to label you a bad risk and refuse to renew your policy. Some underwriters may feel compelled to cancel policies after only one accident. This does not apply to State High Risk Insurance Pool policies.

Where do you live? Has the neighborhood changed in the last few years? Have the accident or crime rates risen noticeably? As regions are reassessed periodically, their status could change and you could suddenly find yourself living in a higher risk area, where your insurer's rates may not be adequate to cover losses.

What do I do if my NJ insurer cancels or refuses to renew my policy?

Even "good" drivers can find themselves in the position of being dropped by their current carrier. Reasons range from a couple of moving violations, or multiple accidents, or other serious violations that make you a high risk to situations outside your control, such as when insurers in your state are suffering severe business losses.

That is why it is important to note that if you are licensed to drive, by law, you are eligible for insurance. However, your options for new coverage may be limited. Each state has created and regulates a market of last resort for those who cannot otherwise obtain coverage. These groups have various names, depending on the state you live in, such as assigned risk automobile insurance plans or the residual market, or the State high risk pool.

Regardless of the reason you were dropped or cancelled by your insurer, you need to act immediately to get another policy. Under no circumstance should you drive your vehicle without knowing one hundred percent that you have current insurance. If you do find yourself in the assigned risk residual market pool, the price may be higher but it may be your only alternative in maintaining your freedom to drive.

How do I keep my New Jersey auto insurance company from canceling my policy?

The most obvious way to maintain your low risk status is to keep a clean driving record. If you've been in an accident or two, consider taking a defensive driving course.
Also, look into purchasing special safety and security features for your car, such as anti-lock brakes and an alarm system, or try OnStar. Your ARAIP-NJ PAIP insurance producer can give you further tips on how to convince your insurer you're a safe driver.

What steps can I take to reduce my NJ Car Insurance rates?

NJ Insurers often discount their rates in order to encourage good driving practices and the use of safety and security precautions. Depending on the insurance company, you can often lower your rates from 5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount, and sometimes it's simply worth some peace of mind. For example, the purchase of anti-lock brakes merits a discount from nearly every insurer, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes are touted, nonetheless, as a life-saving feature and deserves serious consideration when safety is a top priority. Insurers generally offer discounts for:

Safety Features Anti-lock brakes, air bags and passive restraint systems i.e., automatic seat belts.
Defensive Driving Clean violation record, driver's education courses for teenagers and defensive driving or accident prevention courses for adults insurance discounts for the latter are required in some states.
Security Systems Alarms, electronic locks, VIN etching and automotive disabling devices.
Changing The Driving Habits Try commuting by public transit, using a company vehicle for work-related travel and car-pooling.
Formal Agreements Not to Drink and Drive The availability of a discount for signing such an agreement varies among insurers and states, however is a powerful idea that works.
Buying Home Owners and Auto Policies from the Same Company If you own a home and an automobile and you are insured by two different companies, check into the cost of carrying both policies by one insurer. Your agent can give you guidance as to which insurers offer discounts. This will always offer you the cheapest buy, so put it in your corner when shopping for rates

You can also lower your insurance rates by requesting higher deductibles, which is the amount of money you pay out of pocket before you make a claim. Increasing your deductibles on collision and comprehensive coverage from $250 to $500, or even $500 to $750 will bring your rates down. Moreover, you may not need collision and comprehensive coverage if you drive an older car. Ask your producer which discounts are available to you.

How does adding drivers to my policy affect my rates?

The more people you allow to drive your vehicle on a regular basis, the greater the chances of your vehicle being in an accident. Teenagers are especially expensive to insure because they are the least experienced drivers.
A driver's-ed course can help ease the burden of insurance costs since it teaches your teenager defensive driving techniques. If your child's high school does not offer drivers education, try to find one offered by another school or a private firm in the area. After all, the cost of driver's-ed could be cheaper than the extra cost of your insurance. Many insurers offer "good student" discounts as well.
An adult's driving experience can also affect your rates significantly. Don't assume that every adult you know has been driving since age 17 or 18 or is a competent driver with a clean driving or insurance record. Again, taking a defensive driving course is a good way for adults to prove they are also responsible drivers, thus lowering their risk and their insurance premium rates.

NJPAIP.COM, NJCAIP.NET NJ Zip Codes NJ zip codes .

Finding the best coverage and lowest prices for Camden Automobile insurance is not that difficult to shop for. Rates vary widely from company to company. To help make shopping, comparing rates and saving money on your insurance easier, Assigned Risk Auto Organization provides free auto insurance comparison rates 24 hours a day, seven days a week.  Get competitive non biased help and Receive a quote from our consumer comparison rating service any time day or night, over the Internet. Spend a couple of minutes answering a few questions about yourself, your driving record, vehicle information and insurance needs. Local Assigned Risk Insurance Agents will tell you how much their company would charge you for an annual premium for your automobile insurance.

Getting yourself out of the high risk auto insurance NJ or assigned risk category is going to take a little time. You may need to consider the following, cleaning up a bad driving record and paying your bills on time. Be aware of your NJ-MVC abstract, or official driving history. Most insurance companies rate a driver with no points for three years as a good or preferred risk.  But there are a few things you can do to cut high risk auto insurance costs now!  Consider driving an older car and dropping collision and comprehensive coverages. Or, if you can accept the risk, carry lower amounts of other standard coverages.
And don't forget that shopping online is a great way to access assigned risk automobile insurance NJPAIP certified producers and companies that serve Local Consumers  in your area. 

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