Estimates, not quotes

SR-22 insurance in Newark, NJ

What an SR-22 costs in Newark, how New Jersey handles the filing, and how long it lasts.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Newark

For comparison, a clean-record driver in their 30s pays about $1,050 for minimum coverage and $2,150 for full coverage in Newark by our estimate.

SR-22 insurance — estimated annual premium in Newark
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$1,310$2,645+25%
After an at-fault accident$1,550$3,140+48%
After a DUI$1,970$4,000+88%

New Jersey rules that apply

Proof-of-insurance filings after a DUI or serious violation are set by court or motor vehicle agency order. Confirm the exact form and period with the New Jersey Department of Banking and Insurance.

Any policy you buy must meet New Jersey's minimum of 35/70/25 liability coverage plus PIP and uninsured motorist coverage.

All New Jersey car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Newark

Estimate your own premium

Runs in your browser — nothing you enter is stored or sent to insurers.

Estimated annual premium
—
Per month
—

Insurance offices in Newark

There are 12 insurance offices listed near Newark. See the full list with directions on the Newark car insurance page.

  • State Farm
  • Galvan Brokerage 12 Bloomfield Avenue
  • MetroPlus Insurance Agency 1423 McCarter Highway
  • John Costa - State Farm 214 Kearny Ave
  • AMC Insurance Agency Inc. 1049 Clinton Ave
  • Greg Daniels - State Farm 488 Mt. Prospect Ave
  • Dependable Insurance Agency Inc 1030 S Orange Ave
  • Jessica Arroyo - Farmers Insurance 681 1/2 Mt Prospect Ave
  • Borgos Hanlon Henry & Garcia
  • Khellah Insurance Agency 13 Heckel Street
  • Issac Okafor - Farmers Insurance 134 Evergreen Pl
  • Freeway Insurance 31 Bloomfield Ave

Frequently asked questions

How much does SR-22 insurance cost in Newark?

The SR-22 filing itself usually costs a small one-time fee; the real cost is the higher premium that follows the violation. We estimate about $1,970 a year for minimum coverage after a DUI in Newark, and $1,550 after an at-fault accident.

How long do you need an SR-22 in New Jersey?

The court or motor vehicle agency order sets how long proof of insurance must be filed. Confirm the exact form and period with the New Jersey Department of Banking and Insurance or your insurer.

Can I get SR-22 insurance without a car?

Yes. A non-owner policy with an SR-22 filing covers you when you drive borrowed or rented vehicles and satisfies the filing requirement in most states that use SR-22.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page