New Jersey SR-22 & High-Risk Auto Insurance

Covers injuries you cause to others in an at-fault accident. New Jersey's 15/30 minimum is among the lowest in the region and can be exhausted quickly in a serious collision. New Jersey is a choice no-fault state, meaning you select between limited right to sue or unlimited right to sue, which affects how liability claims are handled.

Covers damage you cause to another person's vehicle or property. Carriers writing high-risk policies often require higher limits as a condition of coverage. New Jersey assigns points for at-fault accidents, which remain on your record for 3 years from the violation date.

Mandatory in New Jersey and covers your own medical expenses, lost wages, and essential services regardless of fault. PIP premiums are among the highest components of a New Jersey policy, and drivers with violations pay elevated rates across all coverage types. You can reduce PIP premiums by choosing a higher deductible or restricting coverage to health insurance primary.

Not a separate insurance type, but a certificate filed by your carrier with the New Jersey MVC proving you maintain continuous coverage. Required for 3 years following DUI, driving while suspended, or court order. Any lapse triggers MVC notification and immediate license suspension.

Optional in New Jersey but critical for high-risk drivers who cannot afford out-of-pocket costs from an accident with an uninsured driver.