McKayla Girardin, Car Insurance Writer
@mckayla_girardin
NJM Insurance has the cheapest insurance in New Jersey for drivers who have committed SR-22-type violations, charging an average of $666 per year. New Jersey is one of 12 states that do not require high-risk drivers to file an SR-22 form as proof of insurance.
Even though drivers in New Jersey are not required to file an SR-22, coverage can still be a lot more expensive than average for risky drivers. For example, drivers in New Jersey can expect to pay an average of more for car insurance after actions like DUI, driving with a suspended license or reckless driving.
Cheapest Insurance Companies in New Jersey After Serious Violations
Company | Average Premium After DUI | Average Premium After Reckless Driving |
$666 per year | $666 per year | |
$827 per year | $713 per year | |
$1,286 per year | $1,122 per year | |
$1,330 per year | $1,405 per year | |
$1,395 per year | $1,099 per year |
Note: Premiums are for a 45-year-old driver in New Jersey. Individual premiums will vary.
Fortunately, the increase in premiums after a serious offense is only temporary. If you practice safe driving habits moving forward, you should see your premiums begin to go down.
To learn more, check out WalletHub's guides to SR-22 insurance and the cheapest car insurance companies.
People also ask
How do I find out if I still need an SR-22?
To find out if you still need an SR-22, contact your local DMV office and ask if your SR-22 form has been filed for the required period of time. If it has, you can then contact your car insurance company and request that they remove your SR-22 filing with the state. Each state has its own requirements, but you usually only need an SR-22 for about three years.
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read full answer by WalletHub, Financial CompanyHow can you get an SR-22 removed?
To get an SR-22 removed, a driver needs to contact their insurance company once they are no longer required to have the SR-22 on file with their state DMV. While each state has its own rules for how long drivers must maintain an SR-22, it can usually be removed after 3-5 years. Since individual drivers do not handle SR-22 forms themselves, the insurance company will take care of the cancellation.
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read full answer by WalletHub, Financial CompanyHow much does non-owner SR-22 insurance cost?
Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.
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read full answer by Winslow Arizona, Car Insurance WriterDid we answer your question?
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