New Jersey SR-22 & High-Risk Auto Insurance
New Jersey requires 35/70/25 liability coverage and is a no-fault state.
Find SR-22 Coverage NowNew 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 with DUI convictions, multiple serious violations, driving without insurance convictions, or license suspensions for point accumulation must file an SR-22 certificate of financial responsibility with the New Jersey Motor Vehicle Commission. The SR-22 filing requirement typically lasts 3 years from the date of reinstatement, and any lapse in coverage during this period triggers immediate license suspension and restarts the clock.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Non-Standard Auto Insurance
Cost Overview
$448–$463/mo
Typical monthly rate in New Jersey, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- County location: Hudson, Essex, and Passaic counties have the highest high-risk rates due to population density and claim frequency
- SR-22 duration remaining: Rates may decrease after the first year if no new violations occur, even while SR-22 filing continues
- Age and experience: Drivers under 25 with violations face compounded surcharges; those over 25 with otherwise clean records may qualify for mid-tier non-standard rates
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf 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 after a DUI?
New Jersey requires SR-22 filing for 3 years from your license reinstatement date after a DUI conviction. The clock starts when your license is restored, not when you were convicted. If your insurance lapses during this period, your license is suspended and the 3-year requirement restarts.
Which insurance companies offer SR-22 in New Jersey?
Non-standard carriers that commonly write SR-22 policies in New Jersey include Dairyland, The General, Direct Auto, Bristol West, and Acceptance Insurance. Not all standard insurers file SR-22 certificates, so you may need to switch carriers. Compare quotes from multiple non-standard insurers as rates vary significantly.
What happens if my SR-22 insurance lapses in New Jersey?
Your insurance company notifies the New Jersey MVC electronically within 24 hours of cancellation or lapse. Your license is immediately suspended, you must pay reinstatement fees to the MVC, obtain new SR-22 insurance, and the 3-year filing requirement restarts from the new reinstatement date. Some insurers charge additional fees to refile.
Do I need SR-22 for a speeding ticket in New Jersey?
A single speeding ticket does not typically trigger SR-22 requirements in New Jersey. However, if you accumulate 12 or more points leading to license suspension, or are convicted of reckless driving or driving without insurance, the MVC may require SR-22 filing as a condition of reinstatement. Multiple serious violations within 2–3 years increase this likelihood.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you maintain continuous coverage as required by the New Jersey MVC. Required for 3 years after DUI, refusal, uninsured driving conviction, or serious suspensions.
Liability Insurance
Covers injury and property damage you cause to others. New Jersey's $15,000/$30,000/$5,000 minimums are low—a serious accident can easily exceed these limits.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, violations, SR-22 requirements, or lapses that standard carriers decline. Typically 2–3x more expensive but necessary for legal reinstatement.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Optional in New Jersey but recommended for high-risk drivers with past at-fault accidents.
Personal Injury Protection
Mandatory coverage in New Jersey that pays your medical expenses and lost wages regardless of fault. $15,000 minimum required, with options up to $250,000.
Full Coverage Insurance
Combines liability, collision, comprehensive, and PIP. Required if your vehicle has a loan or lease. Provides maximum protection but highest cost for high-risk profiles.