SR-22 Insurance in New Jersey
Figures updated
In New Jersey, who needs a filing, how long it stays in force and the state fee.
- No SR-22. The form the state requests
- 35/70/25. The minimum liability limits.
- 7th of 51most expensive state (1st = highest)
What New Jersey requires for SR-22
In New Jersey, the SR-22 form isn't used; your insurer provides proof of your coverage to the state.
After an insurer reports to New Jersey that vehicle coverage was dropped or cancelled, the state issues an uninsured motorist suspension notice.
| Rule | New Jersey |
|---|---|
| Form | No SR-22 form; the insurer reports cover |
| State reinstatement fee | $100 |
| Liability it must prove | 35/70/25 |
Source: New Jersey MVC, Uninsured Motorist Enforcement FAQ (PDF); NJ MVC | Suspensions and Restorations.
How it affects your price
The filing is cheap. The offense behind it raises the premium.
One at-fault accident raises a price to about 1.5 times its amount in the state rate guides we use.
The New Jersey liability average is $1,133. Based on that, the cost would be about $1,700 a year.
Steps for getting one
- To have the form filed with the state, ask your insurer, though this service isn't available from every company.
- Don't have a car? You can carry the filing on a non-owner insurance policy.
- Make sure you keep paying for the policy The state is told about a lapse, which can restart the clock
Learn more about New Jersey car insurance
Originally written