Your home state of New York and New Jersey, the state in which you were cited for the DWI, are both members of the Driver's License Compact (DLC). As member states of the DLC it means the NJ courts will inform the New York Department of Motor Vehicles about this DWI violation and conviction.

While New York State does not normally place out of state violations committed by NYS drivers on their New York driving record there are exceptions. The exceptions include alcohol related violations and drug related violations. The NYS DMV site notes that if you receive a conviction for an alcohol-related or drug-related driving violation in any state, your NYS driver license will be revoked for at least six months. There may also be other penalties involved so you would need to find out from the New York DMV what they would be for this out of state DUI.

Since this serious offense of driving while intoxicated will be placed on your New York driving record than your NYS insurance company will see it and rate you accordingly. Typically those that have been convicted of a drunk driving offense are found to be high risk to auto insurance providers and so your car insurance premiums will probably rise significantly. If your NYS license is revoked for 6 months as the DMV site stated than your insurance company may also be able to cancel your coverage due to you not having a valid license.

According to the New York Insurance Department, the insurance regulator for the state, a car insurance policy can only be canceled in mid-term (after 60 days on a new policy) for a few specific reasons including suspension or revocation of a driver's license of the named insured or any other person who customarily operates an automobile insured under the policy (not including administrative suspensions).

The NYS Insurance Department says that premium surcharges due to accidents or convictions are governed by the Insurance Law and regulations, which allow surcharges to be applied during the experience period (typically three years) for specified incidents, some of which are:

accidents involving bodily injury or death, or losses to property in excess of $1,000, where the insured driver is at fault; or

• convictions for certain violations, including the following illustrations:
• speeding more than 15 MPH over the legal limit;
• driving while intoxicated or impaired by alcohol or drugs;
• operating a vehicle while attempting to avoid apprehension by a law enforcement officer;
• leaving the scene of an accident without reporting it;
• operating a vehicle in a race or speed test;
• driving without a license or knowingly permitting an unlicensed person to drive your vehicle; or
• filing a false insurance claim

Insurance companies vary on their rates and why they non-renew or cancel so you will need to find out from your insurance agent how your specific insurance provider will respond to your NJ DWI conviction. If they keep you on your rates are likely to go up quite a bit for such a serious violation. Your agent may be able to estimate how much and for how long these higher rates will last.

If you want to shop around to see if you can obtain lower rates with your driving record you can follow this link for free auto insurance quotes.