Is it a Crime to Drive Without Insurance in New Jersey?

When a police officer pulls you over during a traffic stop they will generally ask for your license, registration, and insurance information. They are gathering these documents to check your identity and ensure that the vehicle belongs to you and is properly registered and insured. If you cannot produce evidence of your auto insurance you can face a plethora of penalties and fees. It is illegal to drive without insurance in 48 of the 50 states. If you were caught driving without auto insurance speak to a Bergen County traffic ticket attorney to discuss your legal options going forward.

Is Auto Insurance Required in NJ?

Yes, like most states, auto insurance is required of every driver in New Jersey. Although it can be expensive it is important for every driver to have an insurance provider. New Jersey is a no-fault state, meaning that regardless of which driver is responsible for an accident each individual must seek compensation for their medical expenses through their own insurance. Having auto insurance can save you from going into debt due to the aftermath of a car accident.

How Much is Driver’s Insurance?

Auto insurance costs vary based on several factors including:

• Your driving record
• Where you live
• The year, make, and model of your car
• Your credit history
• Your age

New Jersey insurance rates average around $140 to $200 monthly. While this can be costly it can save you in the long run.

The minimum amount of insurance required in NJ is as follows.

• $25,000/person for bodily injury
• $50,000/accident for bodily injury
• $25,000/accident for property damage
• $15,000 for personal injury protection

What Happens if I Get Caught Driving Without Insurance?

Driving without insurance is considered a serious offense. Those caught doing so will face severe penalties. Whether it is your first or a subsequent offense, you can expect to face a variety of consequences for driving a vehicle without auto insurance. Consider the following.

First offense:

• Fines of $300 to $1,000
• Driver’s license suspension for 1 year
• Mandatory community service of a time determined by the court
• A fee of $100 to reinstate your license

Second or subsequent offense:

• Fines of $500 to $5,000
• Driver’s license suspension of 2 years
• Mandatory community service of 30 days
• A fee of $100 to reinstate your license
• Jail sentence of up to 14 days

If you get caught driving without car insurance in New Jersey you can expect to face the above penalties and more.

Contact an NJ Auto Lawyer Today

If you are facing charges related to driving without auto insurance it is important that you obtain representation from a skilled attorney. The penalties can be severe and life-changing. Losing your license can make it difficult to obtain or maintain employment, and any amount of jail time or community service can have lasting effects on various aspects of your life. Reach out to an experienced traffic violation attorney for more information on your rights and legal options.