New Jersey Car Insurance Laws

We’re happy to help you and fellow Garden Staters find affordable car insurance to get you driving legal for less¹ from Ashbury Park to Long Beach Island.

Before you buy auto insurance, it’s important to know New Jersey’s car insurance laws so you can make sure you’re meeting the legal requirements for your state.

According to the New Jersey Motor Vehicle Commission, New Jersey’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. New Jersey vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

$15,000 for bodily injury to or death of one individual or $30,000 for any one accident;
$15,000 for personal injury protection; and
$5,000 for injury to the property of others in any one accident.

New Jersey Penalties for Driving Without Car Insurance

In the state of New Jersey, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in New Jersey include: fines of $300-$1,000 for the first offense, up to a year suspension of license, and community service.

New Jersey DUI/DWI Laws and Penalties

New Jersey DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. New Jersey DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. A first offense conviction of DUI in New Jersey carries penalties of up to 30 days jail time, fines and fees of up to $1,000, and license suspension of 90 days to one year. Refusal to submit to a chemical test carries a penalty of a seven-month license suspension after the first offense.

New Jersey Cell Phone Driving Laws and Texting While Driving Laws

The state of New Jersey has a full ban on cell phone use for all drivers. New Jersey also has a texting while driving ban for all drivers. Violators could face a fine up to $400 for a first offense.

New Jersey SR-22 Insurance Documents

New Jersey SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the MVC, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of New Jersey for drivers that are required to keep and show valid auto liability insurance.

Cheap Car Insurance in New Jersey

If you are looking for cheap car insurance in the Garden State, Good2Go Auto Insurance may be able to help. We help you find low down payments and easy monthly payment options to get you on the Thunder Road for less.

Start Your Free New Jersey Quote Online.

¹Consult with an attorney to see if it is illegal to drive without insurance in your state. Quote times on partner sites may vary. Prices vary based on the state where you reside, the coverage limits you purchase, and other underwriting factors.