New Jersey SR-22 & High-Risk Auto Insurance
New Jersey requires 35/70/25 liability coverage and is a no-fault state.
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New Jersey at a Glance
35/70/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, caught driving uninsured, or facing serious license suspensions must file SR-22 certification with the New Jersey Motor Vehicle Commission. The state's high insurance costs—already among the nation's highest—escalate sharply for drivers with violations, making carrier selection and coverage structuring critical for managing premiums.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Non-Standard Auto Insurance
Cost Overview
$36–$95/mo
Typical monthly rate in New Jersey, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
No hardship license
This state does not issue a restricted license during a suspension.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in New Jersey?
New Jersey requires SR-22 filing for 3 years from your conviction or license reinstatement date. Any coverage lapse during this period triggers immediate license suspension and restarts the entire 3-year requirement from the date you reinstate coverage. You must maintain continuous coverage without gaps exceeding 24 hours.
Which insurance companies offer SR-22 in New Jersey?
Non-standard carriers offering SR-22 in New Jersey include Dairyland, The General, National General, Bristol West, Infinity, and Progressive. Many standard insurers including Allstate, State Farm, and Liberty Mutual will non-renew policies requiring SR-22 filing. Availability and pricing vary by violation type, ZIP code, and driving history—compare at least 3 carriers.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage to the New Jersey MVC. Required for 3 years following DUI, uninsured driving, or serious suspensions. Filing itself costs $15–$50, but limits carrier options and elevates premiums.
Liability Insurance
Covers injury and property damage you cause to others. State minimums of $15,000/$30,000/$5,000 leave massive exposure—medical bills from moderate accidents routinely exceed $50,000 in New Jersey's high-cost healthcare market.
Uninsured Motorist Coverage
Protects you when hit by drivers with no insurance or insufficient coverage. Must be offered at limits matching your liability policy, though you can reject it in writing.
Personal Injury Protection
Mandatory no-fault coverage paying medical expenses, lost wages, and essential services regardless of fault. New Jersey requires $15,000 minimum, with options up to $250,000.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk profiles including DUI, SR-22 requirements, multiple violations, and lapses. These insurers accept drivers standard companies decline.
Collision Coverage
Pays for damage to your vehicle after an accident regardless of fault. Required by lenders on financed vehicles. High deductibles of $1,000–$2,500 help control premium costs for high-risk drivers.