Gonna get thousands of disagrees here as my viewpoint is contrary to most.
My wife worked in personal lines insurance for decades. A $2,000 semi-annual premium for minimum coverage is essentially unheard of (at least in California). For a premium to be that high, this person has to have had a horrible driving record: perhaps a DUI, a couple of at fault accidents, and maybe a slew of other moving violations. So, I think we can eliminate the possibility that this will be a learning experience for this poor young lady and help her mature. I think it is odds-on that she is a recidivist with hit-and-run.
Second, she is clearly talking on the phone while driving. I don't care if it is a residential area; New Jersey prohibits driving while "using" a cell phone. I think we can glean from this that she is indifferent to following the law. She is a selfish, self-centered little girl.
Third, she is unmarried, living with her mother, early 20s, and has an infant. She has no visible means of even minimal support for herself and her child. Getting pregnant is an adult thing to do. Raising a child is probably the most important task we humans are faced with. So, on the one hand she wants to be an adult and raise a child. But on the other hand, she acts like a small child that broke the neighbor's window and does not come forward and admit it.
Fourth, she did not come forward voluntarily. She only admitted her crime after she was confronted with incontrovertible evidence. Why do you suppose that is? It is more than plausible that she has been down this road before, given her insurance premiums. She knows full well the mess that she got herself into.
It is OK to have empathy for her situation. But she should get whatever the State of New Jersey metes out as appropriate. You are an adult. You made bad choices.