New Jersey SR-22 Auto Insurance

If you're required by law to get an SR-22 in New Jersey, you aren't alone. This relatively common legal requirement is triggered by a violation such as a DUI, a driving-without-insurance citation, an at-fault crash with substantial property damage, a citation for driving with a suspended license, or piling up too many points on your license.

Finding cheap insurance coverage with a SR-22 in New Jersey might take some effort, but it could pay off in the end. We examined how much a SR-22 usually costs in New Jersey and how to get one — let's dive into the details.

How much does New Jersey SR-22 insurance cost?

Auto insurance with an SR-22 in New Jersey is usually expensive. This isn't a direct cost of the certificate — filing fees will usually be $15 to $35 — but thanks to the insurance cost increases from the offense that prompted the SR-22 requirement.

Auto insurance companies charge risky drivers more on account of the increased likelihood of having to pay out a claim after a collision. The rate increase you will receive may depend on the number and severity of your infractions — below are average car insurance prices for drivers with SR-22s in New Jersey.

High-risk rating factorAverage yearly rateIncrease vs. clean record
No citations$1,592
At-fault accident (>$2,000)$2,368$776
Speeding (21-25 mph > limit)$2,184$592
Reckless driving$2,507$914

If you'd like to find affordable car insurance after getting a SR-22, we are here to help. Enter your ZIP code below to receive personalized car insurance quotes from leading companies.

How to obtain an SR-22 in New Jersey

If you have auto insurance

If you already have car insurance, requesting an SR-22 certificate should be simple. Just call your insurance company and request that the company file a SR-22 request for you. If your current insurer isn’t willing to request a certificate, you should shop for a new policy with a new insurance company.

Uninsured drivers

When applying for car insurance, you might be saddled with an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 may keep you from buying insurance from some companies, while others will sell you a policy.

For drivers without a vehicle

If you don't own a vehicle, getting an SR-22 can be difficult, since you typically need to show proof of insurance to obtain the certificate. If this is the case, get a non-owners insurance policy before asking for an SR-22. Non-owners auto insurance is often less expensive than traditional coverage since it doesn't insure against physical damage to your automobile.


we performed in-depth pricing analysis through our proprietary quote engine, incorporating data from rating platforms and public rate filings. The Zebra surveyed nearly 53 million rates to explore trends for car insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on auto insurance rates.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and