New Jersey SR-22 & High-Risk Auto Insurance
New Jersey requires 35/70/25 liability coverage and is a no-fault state.
Get Quotes Based on Your RecordNew 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Jersey
Drivers with DUI convictions, refusal to submit to breathalyzer testing, driving while suspended, or accumulating 12+ points in 2 years typically trigger SR-22 filing requirements through the New Jersey Motor Vehicle Commission. The SR-22 certificate of financial responsibility confirms continuous coverage and must remain active for 3 years from the reinstatement date. Any lapse in coverage during the SR-22 period results in automatic license suspension and restarts the 3-year requirement.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
SR-22 Certificate Filing
Non-Standard Auto Insurance
What Drivers Pay in New Jersey
$321–$395/mo
Typical monthly rate in New Jersey, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Time since violation: rates decrease gradually after 3 years with clean record; major drops occur at 5- and 7-year marks
- Point accumulation: New Jersey's point system adds surcharges at 6+ points; carriers factor points independently when pricing high-risk policies
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Required for SR-22 filing and license reinstatement in New Jersey.
Full Coverage (Comprehensive + Collision)
Protects your vehicle from theft, vandalism, weather damage, and accident repairs regardless of fault. Required by lenders if you finance or lease.
SR-22 Certificate Filing
Electronic proof of continuous insurance filed by your carrier with the New Jersey Motor Vehicle Commission. Required for DUI, suspension, and serious violations.
Uninsured/Underinsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage. New Jersey requires it be offered at liability limits.
Non-Standard Auto Insurance
Policies designed for drivers with violations, lapses, suspensions, or SR-22 requirements who cannot obtain standard market coverage.
Personal Injury Protection (PIP)
No-fault medical coverage required in New Jersey for injuries to you and your passengers regardless of who caused the accident.