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SR22 Insurance in New Jersey

SR22 insurance in New Jersey is a specialized form of auto insurance. SR22 is designed for motorists who fall into a high-risk pool for a variety of reasons. Among those who need SR22 coverage are drivers convicted of more serious driving offenses or carelessness with the maintenance of their auto insurance. SR22 insurance can vary from state to state as well as from company to company. Because SR22 rates tends to be more expensive due to the drivers who require it being higher risk motorists, shopping around for the best SR22 insurance quotes is an advisable strategy. It is important to note that SR22 insurance is required of drivers who meet the criteria even if they do not own a vehicle. You still may be required to show proof of financial responsibility. Ask for a non-owner SR22 insurance policy when you find an insurance company to work with. This option will not restrict you to any one vehicle, but will cover you for any car you drive. Get started here and compare SR22 quotes today.

Who Needs SR22 Insurance in New Jersey

Who needs SR22 insurance and the requirements for SR22 insurance vary from state to state. Typically, those who require SR22 coverage in NJ do so for a variety of reasons.

  • SR22 coverage is required of motorists convicted of DUI or DWI charges or other serious moving violations such as reckless driving or leaving the scene of an accident after causing bodily harm.
  • Drivers who do not have proper insurance coverage and then cause an auto accident.
  • Drivers must carry SR22 insurance policies in New Jersey if they accumulate too many points in a short a period of time.
  • Motorists who are on the suspended or revoked list, or who are caught driving while suspended or revoked will require SR22 coverage in order to reinstate their privileges.

Where SR22 insurance is concerned, New Jersey is one of the handful of states that does not require SR22 coverage for drivers in their high-risk pool. Instead of mandating SR22 insurance for those who find themselves labeled as high-risk motorists as a result of the circumstances outlined above, the state eschews the SR22 form in favor of a surcharge. The surcharge is paid directly to the state for a period of three years. Get SR22 insurance quotes here.


New residents required to carry SR22 insurance in other states must maintain their SR22 coverage obligations in their previous state of residence even after relocating to New Jersey. If you move and fail to continue to pay your SR22 insurance premiums from your previous state of residence, your SR22 coverage will lapse. Should your coverage lapse at any point during the three-year probationary period, the insurance company with which you receive your SR22 insurance will file an SR26 form notifying the state Motor Vehicle Commission that you no longer have insurance coverage. The MVC will immediately suspend your driving privileges. Furthermore, lapsed SR22 insurance is reported to all 50 states as well. You will be unable to register your car, get your driver’s license or purchase car insurance in any state until your SR22 insurance obligations are met in full. Additional consequences of allowing your SR22 coverage to expire may include an extension of the period of time for which you must be covered, additional fines or even time in jail.

How to Get SR22 Insurance in New Jersey

SR22 insurance policies are not offered by all companies who offer regular auto insurance. SR22 insurance, especially when due to convictions for driving under the influence, can be prohibitive in their cost. New Jersey SR22 rates also vary by provider. As with standard auto insurance, the cost of the same policy can vary from one company to the next. Motorists are well-advised to try and obtain several SR22 insurance quotes from which to choose. You can get SR22 insurance quotes here.

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