Best New Jersey SR-22 Insurance in 2024
New Jersey SR-22 requirements
An SR-22 form is a proof of financial responsibility and is required for certain drivers by the state or court order.
In most states, drivers who’ve committed a driving violation, such as a DUI or driving without car insurance, may be required to file an SR-22 form with their state’s DMV office.
In New Jersey, drivers are not required to file an SR22 form if they committed such driving violations in the state but could be required if they committed a violation in another state that requires it. An SR22 form verifies that you have at least the minimum required liability car insurance coverage.
Even though SR22 insurance isn’t necessarily required in New Jersey, offenses that normally require SR22 in other states may still affect your car insurance rates. One of the most common reasons drivers are required to get SR22 insurance is because of a DUI. On average, New Jersey drivers who have one DUI on their record pay more than 100 percent more for car insurance than drivers with a clean record.
In New Jersey, all drivers are required to have the minimum amount of auto insurance coverage set by the state law. If you drive without insurance in New Jersey, there are a number of penalties you could face including fines, fees, license and registration suspension, and jail time.
SR-22 insurance limits in New Jersey
While you may not be required to have SR-22 insurance in New Jersey, you are still required to have car insurance. New Jersey offers drivers two options for car insurance policies: basic and standard.
The difference between the two is that the basic policy is the cheaper New Jersey car insurance option, but it offers much less coverage that the standard policy. Additionally, the basic policy gives you what New Jersey calls a “limited right to sue,” meaning you can only sue a driver if they caused an accident resulting in one of the following injuries: loss of a body part, significant disfigurement or significant scarring, displaced fractures, loss of a fetus, permanent injury or death. The traditional insurance policy gives you the option to select an “unlimited right to sue” which allows you to sue a driver for any injury, pain and/or suffering caused in an accident.
Coverage limits for the two New Jersey car insurance options include:
Basic policy:
- $5,000 for property damage liability per accident
- $15,000 for personal injury protection (PIP) per person, per accident
- Up to $250,000 coverage for severe injuries
Standard policy:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $5,000 for property damage per accident
- $15,000 for personal injury protection (PIP) per person, per accident
- Up to $250,000 for severe injuries
If you need SR22 insurance in New Jersey because of a violation you committed in another state, your SR22 insurance form will verify that you have liability car insurance coverage.
Who needs an SR22 in New Jersey?
Drivers are not typically required to file an SR-22 form in New Jersey. However, you may be required to if you committed a driving violation in a different state that requires you to file an SR22 form. You also may need SR22 insurance if you move to another state that requires SR22 insurance.
SR22 insurance may be required of drivers if they’ve committed certain driving violations. It can even be required after a number of small incidences in a short span of time. Drivers may need SR-22 insurance for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Dangerous or reckless driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
If you’re moving to a new state and need to get SR-22 insurance, you’ll need to get SR22 insurance from an insurance company that offers SR22 insurance in your new state. The form will need to be filed with your new state rather than with New Jersey.
New Jersey SR-22 insurance rates
Drivers who need SR22 insurance may need to pay higher car insurance rates because they’re considered a high-risk or non-standard driver. A DUI is one of the most common reasons drivers are required to get SR-22 insurance. In New Jersey, you most likely won’t be required to get SR22 insurance after a DUI, but your car insurance rates may still increase because a DUI makes you a high-risk driver. On average, drivers in New Jersey with one DUI pay $3,380 per year for car insurance, which is 100.5 percent higher than standard drivers with a clean record. In the table below, you can view average insurance rates for drivers in New Jersey who’ve been convicted of a DUI.
| Company | Car insurance rate |
|---|---|
| NJM | $1,333 |
| Progressive | $1,390 |
| Geico | $2,180 |
| Travelers | $2,222 |
| Allstate | $2,723 |
| Farmers | $5,079 |
| Amica | $5,157 |
| Liberty Mutual | $5,717 |
| State Farm | $5,511 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in New Jersey will differ. Rate data is provided by Quadrant Information Services.
How to get SR22 insurance in New Jersey
If you’re considered a high-risk or non-standard driver in New Jersey, your car insurance rates may increase and you may have a more difficult time trying to find affordable car insurance. Some auto insurance companies may deny you coverage or offer you coverage at a high rate. It may be a good idea to shop around for car insurance to try to find the cheapest rate for you. Rates can vary by company.
Use the table at the top of this page to find all the car insurance companies that offer high-risk insurance in New Jersey with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for high-risk insurance in New Jersey, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available, or visit the company’s website.
If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.
SR-22 fees in New Jersey
If you’re required to file SR22 insurance in New Jersey after a violation in another state, you may need to pay a fee to your insurance company in order to file the form on your behalf. While the filing fee for SR-22 insurance varies by company, typically, it can cost anywhere from about $25 to $50 to file and submit SR-22 insurance form. You may also be required to pay fees associated with your violation.
If you commit a violation in New Jersey but aren’t required to have SR22 insurance, there are still fees you’ll likely need to pay related to your violation. For example, a DUI in New Jersey is a costly offense with many penalties and requiremments. Depending on what your BAC was and if you’re a repeat offender or not, you may need to pay a fine ranging from $250 to $1,000. You could also face license suspension, a number of other fees and surcharges and even jail time and/or community service.