Fast SR-22 Filing to Get You Back on the Road
SR22 Insurance in New Jersey
Need SR22 insurance? We provide quick SR-22 filing and affordable coverage for New Jersey drivers. Get your certificate filed with the DMV and reinstate your license with confidence.
What Is SR22 Insurance & Why You Need It
SR22 is a certificate of financial responsibility required by the state for certain violations. We make the process simple and affordable.
SR22 Insurance Explained
An SR22 (or SR-22) isn\'t actually insurance - it\'s a form filed by your insurance company with the New Jersey DMV to prove you have the required liability coverage.
Think of it as a guarantee to the state that you\'ll maintain continuous auto insurance for a specified period, typically three years.
If your coverage lapses, your insurer must notify the DMV, resulting in immediate license suspension. That\'s why continuous coverage is critical.
Key SR22 Facts
- Not a type of insurance, but a filing with your policy
- Required for license reinstatement after certain violations
- Must be maintained continuously for required period
- Available for vehicle owners and non-owners
- Costs more than standard insurance but affordable options exist
Why Drivers Need SR22 Insurance
Understanding why SR22 is required helps you navigate the process and timeline
DUI/DWI Conviction
Driving under the influence requires SR22 filing
Driving Without Insurance
Caught driving uninsured or underinsured
Multiple Traffic Violations
Accumulation of serious moving violations
At-Fault Accident Without Insurance
Causing an accident while uninsured
License Suspension/Revocation
Reinstating a suspended or revoked license
Failure to Pay Child Support
Some states require SR22 for non-payment
Get Your SR22 Filed in 4 Easy Steps
We make SR22 filing fast and straightforward so you can get back on the road quickly
Contact Us for Quote
Call or apply online for SR22 insurance coverage
Purchase Policy
Buy an auto insurance policy that includes SR22 filing
SR22 Filing
We file the SR22 certificate with NJ DMV
Maintain Coverage
Keep continuous coverage for required period
SR22 Insurance Coverage Options
Choose the right coverage level for your needs and budget
| Coverage Type | Bodily Injury | Property Damage | SR22 Fee | Est. Monthly | Best For |
|---|---|---|---|---|---|
| State Minimum SR22 | $15,000/$30,000 | $5,000 | $15-25 | $150-250 | Meeting minimum requirements |
| Standard SR22 Coverage | $50,000/$100,000 | $25,000 | $15-25 | $200-350 | Better protection and peace of mind |
| Full Coverage SR22 | $100,000/$300,000 | $50,000 | $15-25 | $300-500 | Comprehensive protection with collision/comprehensive |
What Affects SR22 Insurance Costs?
Reason for SR22
DUI typically costs more than other violations
Driving Record
Additional violations increase rates significantly
Coverage Limits
Higher limits mean higher premiums but better protection
Insurance Company
Some specialize in high-risk drivers with better rates
Save on SR22 Insurance
While SR22 insurance costs more than standard coverage, we work with specialized carriers to find you the most affordable rates available.
Get Your SR22 QuoteCommon SR22 Mistakes to Avoid
Letting SR22 Coverage Lapse
Consequence: License suspension and restart of filing period
Solution: Set up automatic payments and renewal reminders
Buying Only Minimum Coverage
Consequence: Inadequate protection if you cause an accident
Solution: Consider higher limits for financial protection
Not Shopping Around
Consequence: Overpaying by hundreds or thousands annually
Solution: Compare quotes from SR22-friendly insurers
Hiding Violation History
Consequence: Policy cancellation and legal issues
Solution: Be honest about your driving record
Need SR22 Insurance? We Can Help
Don\'t let SR22 requirements keep you off the road. Get affordable coverage and fast filing to reinstate your license today.
SR22 Insurance Questions
Get answers to common questions about SR22 requirements and coverage
What is SR22 insurance?
SR22 insurance isn't actually a type of insurance - it's a certificate filed by your insurance company with the state DMV proving you carry the required liability coverage. In New Jersey, SR22 (also called SR-22) is required for certain driving violations to reinstate or maintain your license.
How much does SR22 insurance cost in New Jersey?
SR22 insurance in NJ typically costs $150-500 per month, depending on your violation, driving record, and coverage levels. The SR22 filing fee itself is usually $15-25. High-risk drivers pay more, but we work with carriers specializing in SR22 to find the most affordable rates.
How long do I need SR22 insurance in NJ?
Most drivers need SR22 insurance for 3 years in New Jersey, though the exact duration depends on your violation and court order. DUI convictions typically require 3 years, while other violations may vary. The clock resets if you let coverage lapse.
Can I get SR22 insurance without a car?
Yes, you can get non-owner SR22 insurance if you don't own a vehicle but need to maintain your license. This covers you when driving borrowed or rented vehicles and satisfies SR22 requirements at a lower cost than standard policies.
What happens if I let my SR22 insurance lapse?
If your SR22 insurance lapses, your insurer must notify the DMV, resulting in immediate license suspension. You'll need to restart the SR22 filing period from the beginning, potentially adding years to your requirement. Always maintain continuous coverage.
Do all insurance companies offer SR22 filing?
No, not all insurers offer SR22 filing, and some may drop you if you need one. We work with multiple carriers that specialize in high-risk drivers and SR22 insurance, ensuring you get coverage even with serious violations on your record.
Will SR22 affect my insurance rates forever?
No, SR22 won't affect your rates forever. Once you complete your required SR22 period and the violation ages (typically 3-5 years), your rates will decrease. Maintaining clean driving during this time helps reduce rates faster.
Can I remove SR22 before the required period?
Generally no, you cannot remove SR22 before completing the court-ordered period. Early removal requires court approval, which is rare. Focus on maintaining continuous coverage to complete your requirement as scheduled.