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New Jersey increased car insurance minimums in 2023, and they’re going up again in 2026.
Penalty type. First offense. Subsequent offenses. Fines. $300 to $1,000. Up to $5,000. License suspension. Up to one year. Two years. NJ MVC surcharge. $100 for license reinstatement
New Jersey is the only state in the US with this type of surcharge program. In the last few years, [ when? ] the state has charged drivers $583 million in surcharge fees, but the majority of those charged could not afford to pay the fines and had their driving privileges suspended because of their inability to pay.
Driving record. Avg. monthly cost* Avg. annual cost* Increase above national avg. Clean driving record. $212. $2,542. 0%. Speeding ticket. $256. $3,068. 21%. At-fault ...
The New Jersey Motor Vehicle Commission (NJMVC or simply MVC) is a governmental agency of the U.S. state of New Jersey. The equivalent of the Department of Motor Vehicles in other states, it is responsible for titling, registering and inspecting automobiles, and issuing driver's licenses.
Currently, and for the past few decades, all U.S. states participate in NDR, [5] to avoid losing federal funding. Federal Regulation 23 CFR 1327.1 states, "This part provides procedures for States to participate in the National Driver Register (NDR) Problem Driver Pointer System (PDPS) and for other authorized parties to receive information from the NDR.
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