SR-22 in New Jersey | The bank rate

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If you’ve been told you need an SR-22 in New Jersey, you might think you need to buy SR-22 insurance. However, an SR-22 is not a type of insurance policy. Rather, it’s a form that proves that you carry at least the state’s minimum auto insurance limits. SR-22s are generally required for high risk drivers after a serious offense like a DUI.

Many states besides New Jersey also use SR-22s to verify insurance compliance, but some states have their own versions, such as the FR-44 or SR-19. Understanding how these forms work, why you need them, how to get one, and what to expect from your auto insurance can help you prepare if you need an SR-22 filing.

What is “SR-22 insurance?” “

An SR-22 is a form submitted by your auto insurance company to the New Jersey Motor Vehicle Commission (MVC) that proves that you are properly insured. Drivers are often ordered to submit an SR-22 after a serious traffic violation or after a series of repeated violations. If you cancel your policy, your insurer will also notify the MVC, which could result in your license being suspended.

To file an SR-22, you must have an auto insurance policy that meets or exceeds the New Jersey state minimum limits. New Jersey only offers two minimum coverage options, the basic policy and the standard policy. The minimum coverage types and limits are as follows for each type of policy:

Basic policy:

  • Up to $ 10,000 in optional liability for accidental bodily injury
  • $ 5,000 civil liability for accidental property damage
  • $ 15,000 Injury Protection (PIP)

Standard policy

  • Civil liability of $ 15,000 per person
  • Civil liability of $ 30,000 per accident
  • $ 5,000 civil liability for accidental property damage
  • $ 15,000 Injury Protection (PIP)
  • $ 15,000 of uninsured bodily injuries by a motorist per person
  • $ 30,000 in uninsured bodily injuries by a motorist per accident
  • $ 15,000 in bodily injury caused by an underinsured motorist per person
  • $ 30,000 in bodily injury caused by an underinsured motorist by accident

To submit an SR-22, you will need to contact your insurer and request that the SR-22 be sent to the MVC. If you are not currently insured, you will need to find a company willing to insure drivers that meet the SR-22 requirements. However, not all New Jersey auto insurance companies will file an SR-22 for you. If your insurance company isn’t set up to insure high-risk drivers, or if you need to find a cheaper auto insurance policy, you may need to shop around and switch companies.

SR-22 New Jersey alternatives

New Jersey and many other states use the SR-22s, but there are variations of insurance verification forms across the country that do essentially the same. Having some knowledge of these types of forms can come in handy if you need to fill out any of these forms in the future.

Form States issued Insurance minimums required
SR-22 Most states (except Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania) Minimum condition
SR-19 California, texas Coverage for uninsured motorists
SR-21 Florida, Hawaii Minimum condition
SR-22A Georgia, Texas, Missouri Minimum state or higher, prepaid
FR-44 Florida, Virginia Greater than state minimum (up to double)
FR-19 Maryland Minimum condition
SR-50 Indiana Minimum condition
  • SR-19: SR-19 forms are used in California and Texas after accidents with uninsured motorists.
  • SR-21: An SR-21 proves that a driver had adequate coverage at the time of an accident or a ticket.
  • SR-22A: The SR-22A are similar to the SR-22, but require drivers to prepay for six months or more of auto insurance coverage.
  • FR-44: Florida and Virginia use this form to confirm that very high risk drivers or repeat offenders are insured and have limits of liability above the state minimum.
  • FR-19: Maryland is the only state that uses this form, which confirms coverage for 30 days.
  • SR-50: The SR-50s are used in Indiana to confirm insurance coverage on an earlier date.

Non-owner SR-22

If you don’t own a car but still need to have an SR-22, you may need to purchase a non-owner’s insurance policy. This type of policy provides insurance coverage for drivers without insuring a car. Keep in mind that even some of the best auto insurance companies are unwilling to insure drivers who need SR-22, so be sure to choose a non-owner company that will fill out the form.

SR-22 New Jersey Insurance Fee

The initial charge to have an SR-22 in New Jersey is the filing fee. Typically, most drivers pay a handling fee of less than $ 50. There may also be costs associated with your citation itself and the reinstatement of your license. After that, the real cost of an SR-22 revolves around the driving history that necessitated it.

For example, the average cost of auto insurance in New Jersey is $ 1,757 per year. If you have a DUI, however, the average cost of coverage drops to $ 3,264 per year. You are probably facing a big rate hike after needing an SR-22, as these forms are usually required after major traffic violations. You may still be able to get cheap auto insurance in New Jersey, but it probably won’t be as low as if you had a clean driving record.

Frequently Asked Questions

How Long Do I Need an SR-22 in New Jersey?

Most drivers only need an SR-22 deposit for three years. However, if you receive more traffic violations, a judge may extend that time or reset the clock and force you to restart the three-year period.

How do I get SR-22 insurance in New Jersey?

You will need to contact your insurance company and ask them to send a copy to the MVC. If you don’t currently have insurance, your first step is to find a company that agrees to send the SR-22 form to the state on your behalf. Remember that you will probably have to pay administrative fees with your insurer.

How Much Does SR-22 Insurance Cost in New Jersey?

Remember that an SR-22 is not a type of insurance; this is just a form that your insurance company submits to the MVC to prove that you are properly insured. The SR-22s themselves only cost around $ 50 or less for filing fees. The actual cost of an SR-22 on your insurance policy is based on the violation that prompted the need for the form. The more serious your violation, the higher your insurance premium is likely to be.

What happens if I cancel my policy while I have an SR-22?

Your insurance company will notify the state and your license will likely be suspended or revoked. To restore it, you will need to purchase a new insurance policy and fill out Form SR-22 again.

Can I change supplier if I have an SR-22?

Yes, but make sure you don’t have any interruption in coverage. You must maintain continuous and active auto insurance as a condition of the SR-22 filing. You’ll also want to make sure your new carrier is ready to fill out the form for you.


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