What are the penalties for driving without insurance in New Jersey?

Driving without insurance in New Jersey carries severe penalties. If caught, the first offense results in a fine ranging from $300 to $1,000, a mandatory one-year driver's license suspension, and community service. Subsequent violations within five years lead to higher fines, an extended license suspension, and potential imprisonment of up to 14 days. Moreover, a $250 annual surcharge is imposed for three years, in addition to any court-levied fines. Reinstating your license also requires providing proof of insurance for at least one year, financial responsibility filing, and payment of fees. Additionally, the Motor Vehicle Commission may impound your vehicle, and you may be responsible for towing and storage costs. To avoid these penalties, it is crucial to maintain proper insurance coverage while operating a vehicle in New Jersey.