New Jersey SR-22 Insurance
Free High-Risk Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Nov 2, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
What is New Jersey SR-22 Insurance?
The SR-22 car insurance form is actually an assurance to the various New Jersey state officials that indicates that a motorist is carrying and will carry sufficient liability auto coverage. Though it is required in most states, the State of New Jersey does not require an SR-22 car insurance form to be filed. Instead, New Jersey has its own policies in place to make sure that all drivers are carrying adequate auto insurance coverage in the event of an accident.
Six major factors affect car insurance rates in New Jersey. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a NJ DUI arrest.
Who Needs SR-22 Insurance in New Jersey?
Usually, those who have had numerous violations that would label them as “high risk” would need to file a SR-22 car insurance form with their insurance carrier, and then the insurance carrier would file with the state in which they reside. Those who move from a state requiring SR-22 insurance may still need to maintain that coverage from that state in order to keep their driving privileges in New Jersey.
Are There Different Types of New Jersey SR-22 Insurance Forms?
No, the State of New Jersey does not require an SR-22 insurance form be filed, but they do not have different certificates that other states may require.
Is SR-22 Insurance Required in New Jersey?
No. However, the State of New Jersey does have minimum insurance requirements. The Automobile Cost Reduction Act requires that all New Jersey motorists carry at least a Basic Policy. New Jersey is unique in this, as the Basic Policy only has to offer coverage on a 15/30/5 liability basis, with 15/30 UM limits. However, most insurance professionals will recommend a higher level of car insurance coverage as this does not cover all, and lawsuits may occur as New Jersey is a Choice No-Fault system which does mean that motorists may reject the No Fault system and sue.
In the event of a suspended license due to a DUI or DWI, the State of New Jersey does, however, require a DMV Surcharge of $1,000 for three years. While there is no specific NJ SR-22 insurance form, car insurance company surcharges for DUI or DWI in New Jersey will vary from provider to provider.