# Penalties for Driving Without Insurance in New Jersey ![1432](https://hackmd.io/_uploads/SJHZ4SsH-g.jpg) Driving without insurance in New Jersey is a serious motor vehicle offense that carries mandatory penalties under state law. Many drivers assume a lapse in coverage is a minor issue, but [Driving Without Insurance New Jersey](https://newjerseytrafficticketattorney.com/driving-without-insurance/) can quickly lead to license suspension, heavy fines, and long-term insurance consequences. Understanding the penalties before appearing in court is essential. ## New Jersey Insurance Requirements New Jersey law requires all drivers to maintain valid liability insurance at all times. Even a short lapse in coverage can result in a citation, regardless of whether an accident occurred. ## Penalties for Driving Without Insurance A first offense can result in fines starting at $300, additional court costs, and mandatory surcharges. Repeat offenses may lead to higher fines, longer license suspensions, and possible jail time. ## Impact on Your License and Insurance Drivers convicted of uninsured driving often face license suspension and expensive reinstatement fees. Insurance premiums typically increase significantly, and proof of future coverage may be required. ## Why Legal Representation Matters At The Law Offices of Jonathan F. Marshall, our experienced [New Jersey Traffic Violation Lawyers](https://newjerseytrafficticketattorney.com/) evaluate your case and work to reduce penalties whenever possible. Contact us today for a free consultation to protect your license, finances, and driving record.