New Jersey DUI & Violation Insurance Guide
New Jersey requires 35/70/25 liability coverage and is a no-fault state.
Compare Auto Rates for Senior DriversNew Jersey at a Glance
35/70/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
70
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Jersey
After a DUI or serious violation in New Jersey, most insurers will send a non-renewal notice — not an immediate cancellation — giving you until your policy expires to find replacement coverage. The New Jersey Motor Vehicle Commission typically requires SR-22 filing for drivers with DUIs, multiple violations, or driving while suspended, proving you carry continuous liability coverage for a set period. Non-standard carriers that specialize in high-risk drivers will be your primary option, and you must maintain coverage without a lapse or face license suspension and restart of your filing period.
SR-22 Certificate Filing
Non-Standard Auto Insurance
Minimum Liability Coverage
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
What Drivers Pay in New Jersey
$195–$223/mo
Typical monthly rate in New Jersey, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Non-standard carrier availability: New Jersey has fewer non-standard carriers than neighboring states, which can limit competition and keep rates elevated
- Age-based discounts: Some non-standard carriers offer mature driver discounts for drivers 65+ even with violations, though the violation surcharge will still dominate
- Low mileage adjustments: Senior drivers who drive fewer than 7,500 miles/year may qualify for low-mileage discounts that partially offset violation surcharges
- Clean record duration: Rates begin to decline after 3 years if no additional violations occur; most carriers review annually
- Vehicle safety features: Anti-lock brakes, airbags, and anti-theft systems may earn small discounts that help offset the violation increase
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
At least 5% off by law
N.J.S.A. 17:33B-45.1 / N.J.A.C. 11:3-24.3 (minimum 5%)
Source: state statutes and insurance departments, verified July 2026
Coverage Types
High-Risk Auto Insurance
Coverage designed for drivers with DUIs, violations, lapses, or suspensions. High-risk policies cost more but accept drivers standard carriers will not insure.
SR-22 Insurance
Not a separate policy — SR-22 is a certificate proving you carry liability coverage, filed by your insurer with the state. Required after serious violations in New Jersey.
Non-Standard Auto Insurance
Insurance from carriers that specialize in high-risk drivers. Your primary option after a violation if your current insurer non-renews your policy.
Liability Insurance
Covers damage you cause to others. Required by law and the foundation of SR-22 filing — you cannot maintain SR-22 status without continuous liability coverage.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, weather, and animal strikes. Optional, but typically required by lenders if your vehicle is financed.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance or with insufficient coverage. Recommended for all drivers but especially seniors with higher medical costs.