New Jersey DUI & Violation Insurance Guide
New Jersey requires 35/70/25 liability coverage and is a no-fault state.
Find Coverage for My SituationNew Jersey at a Glance
35/70/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Jersey
After a DUI or serious violation in New Jersey, most carriers will send you a non-renewal notice — not an immediate cancellation — giving you 30-60 days to find new coverage before your policy ends. If your license is suspended, New Jersey typically requires you to maintain continuous insurance and file SR-22 certification with the Motor Vehicle Commission to prove it. Standard carriers rarely accept drivers with recent DUIs or suspensions, which means you'll need to find coverage in the non-standard market where premiums run significantly higher.
SR-22 Certification
Non-Standard Auto Insurance
Liability Insurance
High-Risk Auto Insurance
What Drivers Pay in New Jersey
$321–$395/mo
Typical monthly rate in New Jersey, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Time since violation — rates begin dropping after 3 years, normalize after 5-7 years
- Non-standard carrier availability in your zip code — northern urban counties typically have more options than rural areas
- SR-22 filing requirement and duration remaining on the filing period
- Prior insurance history — a lapse in coverage before the violation compounds the rate increase
- Vehicle type and value — comprehensive and collision coverage on financed vehicles significantly increases total premium in the high-risk market
Get Back to a Fair Rate After a Violation
Find Coverage for My SituationCoverage Types
High-Risk Auto Insurance
Coverage designed for drivers with DUIs, suspensions, or serious violations who no longer qualify for standard market policies. Premiums are significantly higher, but maintaining continuous coverage is required to eventually return to the standard market.
Non-Standard Auto Insurance
Policies sold by carriers specializing in drivers who don't qualify for standard rates due to violations, lapses, or license issues. These carriers file SR-22 certifications and maintain the continuous proof-of-insurance requirement.
SR-22 Insurance
Not a separate insurance type, but a certification filed by your insurer proving you carry continuous coverage. You must find a carrier willing to file SR-22 for your policy, which limits your options to the non-standard market in most cases.
Liability Insurance
The minimum coverage required to legally drive in New Jersey and the foundation of any SR-22 policy. Covers damage and injuries you cause to others, but not your own vehicle or injuries.