New Jersey SR-22 Auto Insurance

The Zebra
Nov. 16, 2018

If you need an SR-22 to get car insurance in New Jersey, you aren't the only one. This relatively common insurance requirement is sometimes requested after a citation like a DWI conviction, a ticket for driving without insurance, an at-fault crash, driving with a suspended license, or accumulating too many points on your license.

Getting cheap auto insurance with an SR-22 in New Jersey might require some effort, but it could be worthwhile. We examined how much money a New Jersey SR-22 usually costs and how to request one — let's dive into the details.

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How much should you expect to pay for an SR-22 in New Jersey?

Car insurance with an SR-22 in New Jersey can be pricey. This isn't because of the SR-22 itself — filing fees might be just $15 to $35 — but because of the insurance cost increases triggered by the driving citation that made the SR-22 necessary to begin with.

Insurance companies charge high-risk motorists pricier premiums to account for the heightened probability of having to pay out a claim after a collision. The price increase you could face may depend on the number and severity of citations — below are standard insurance premiums for drivers with SR-22s in New Jersey.

High-risk rating factorAverage annual rateIncrease vs. no violations
No citations$1,678.56
At-fault collision (>$2,000)$2,699.00$1,020.44
Speeding (21-25 mph > limit)$2,175.66$497.10
Reckless driving$2,530.31$851.75
Leaving the scene$2,344.62$666.06

If you're seeking affordable car insurance after getting a SR-22, The Zebra is here to help. Enter your ZIP code below to receive personalized auto insurance quotes from popular companies.

How to easily get an SR-22 in New Jersey

For currently insured drivers:

If you have an active car insurance policy, requesting an SR-22 shouldn't be too difficult. Just call your auto insurance company request they file a SR-22 request on your behalf. If your current auto insurance company declines to file an SR-22 request, you'll need to look for a new insurer.

Uninsured drivers:

When applying for a new policy, you might be saddled with an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 certification might prevent you from purchasing insurance from some carriers, while others may happily sell you a policy.

If you don't have a vehicle:

Not owning a vehicle makes it more difficult to get an SR-22, as you will need to furnish proof of insurance to get a certificate. If you don't own a car, purchase a non-owners car insurance policy before requesting an SR-22. Non-owners auto insurance is typically less expensive than a standard policy since it won’t provide protection for physical damage to your vehicle.


Between September and December 2017, we performed in-depth pricing analysis through our proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra examined almost 53 million rates to identify trends related to car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.