SR-22 insurance in New Jersey
What New Jersey requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in New Jersey write the policies that carry it, from the state's own pages and the insurance company directory.
New Jersey does not use an SR-22 certificate. No SR-22 is required. If your insurer reports a cancellation, the MVC suspends your registration and/or license until you send proof of current insurance and pay the restoration fee. Not applicable. You send a current NJ insurance ID card or declarations page showing the VIN to the MVC Uninsured Motorist Unit by email, mail, fax or in person. What you need is an auto policy that meets the state minimum and proof of it for the reinstatement; 0 companies write personal auto here.
By Sam Alishahi, independent insurance broker · Every state
What New Jersey requires
From New Jersey Motor Vehicle Commission (NJMVC); sources at the bottom.
| Filing | None (proof of insurance instead) |
|---|---|
| Who needs it | No SR-22 is required. If your insurer reports a cancellation, the MVC suspends your registration and/or license until you send proof of current insurance and pay the restoration fee. |
| How long | Not applicable; proof of current insurance is sent once. |
| State fees | $100 restoration fee for each privilege affected (driving and/or registration). No insurer filing fee stated. |
| Non-owner filing | Not stated by the state |
| How it's filed | Not applicable. You send a current NJ insurance ID card or declarations page showing the VIN to the MVC Uninsured Motorist Unit by email, mail, fax or in person. |
| If the policy cancels | Your registration and/or license are suspended until proof and the $100 fee per privilege arrive. Driving uninsured: $300-$1,000 fine and possible suspension up to 1 year (first offense). |
| Minimum liability limits | 35/70/25 (bodily injury per person / per accident / property damage) since January 1, 2026, plus $15,000 PIP; a Basic Policy is a lawful alternative. |
| Who handles it | New Jersey Motor Vehicle Commission (NJMVC) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the proof of insurance to the state electronically.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Sources
- https://www.nj.gov/mvc/license/suspension.htm
- https://www.nj.gov/mvc/pdf/about/ums_faqs.pdf
- https://www.nj.gov/dobi/division_consumers/insurance/basicpolicy.shtml
- https://www.nj.gov/mvc/vehicles/reginitial.htm
- https://lis.njleg.state.nj.us/nxt/gateway.dll?f=templates&fn=default.htm&vid=Publish:10.1048/Enu
Send it once. It gets filed.
A few minutes to request the quote; the companies that file proof answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.