<p>It applies in NJ. I am not sure about the 150 mile rule, but we do meet that criteria. We were able to reduce our insurance bill now that our son is at college, and he is still allowed to drive summers/holidays. If I am not mistaken he is listed as an occasional driver (not sure about that nomenclature though-lol).</p>
<p>BTW, like many parents in our state we needed to shop for auto insurance. We were with one company and the new bill, once our son got licensed was insane! We used that company for over 20 years (I used that company for 25 years). We have very good driving records and no moving violations. They sent mail telling us what a bargain they were-yeah right! It was just so unaffordable ($6,000+ for three licensed drivers).</p>