DUI can cause you to loose your car insuranceAfter a DUI (driving under the influence), a person can expect their monthly insurance bill to increase significantly. They are now considered a high-risk driver. This could potentially affect a person for years, especially in NJ. DUI convictions in New Jersey stay on your record forever but will affect your insurance for at least three years and with some insurers a lot longer! Once it is on your record you can say goodbye to promotions or deals that insurance companies offer to safe drivers. Also, as if this was not enough, some car insurance companies will end business with you. When this occurs, finding an understanding car insurance can be impossible.  They are in the business of insuring against risk.  A convicted DUI driver is risky business, so they will charge you more.  In some cases, a lot more money.

What is an SR22 / FR44 Insurance?

Following a conviction for DUI an SR22 / FR44 insurance is usually required.  This is a form that needs to be filed by an insurance carrier, which is then sent off to the Motor Vehicle Commission. This form proves that the driver has the State’s minimum liability insurance coverage and meets the State’s minimum financial responsibility requirements


  • $10,000 for two or more people in one accident
  • $5,000 for property damage liability
  • $15,000 bodily injury liability


  • $15,000 bodily injury liability
  • $30,000 for two or more people in one accident
  • $5,000 for property damage liability
  • $15,000 Personal Injury Protection
  • $15,000 for uninsured/underinsured motorist injury

Basically, it provides a guarantee to the State that an insurance company has issued a high-risk driver with the minimum amount of liability insurance coverage required in order to drive a vehicle in that particular state. It is usually required for a period of three years after a DUI conviction. This gives insurance companies a reason to charge more, and some will charge a lot more than the required amount. The SR22/FR44 could become really expensive and tedious to have to deal with. This is why many advise speaking to a lawyer who is knowledgeable on DUI subject matters first.  However, this could easily be avoided with simple precautions, such as not driving while consuming any alcohol. Just imagine all the money you could save.

Your Free Resources

If you are charged with a DUI/DWI you need to know your options before going to court. 

  1. Arrested for Drunk Driving?  Learn how to Beat the Odds – Here I discuss defense strategies, and common mistakes I see other attorneys make in defending these complicated cases.  Learn what to expect when you go to court;
  2. Why Pleading Guilty to Your New Jersey Traffic Ticket is NOT an Option – Here I discuss court process and different traffic violations, including DUI’s;
  3. An Immigrant’s Guide to Municipal Court.  This discusses specifically what you will encounter in  Municipal Court if you aren’t a U.S. citizen and how it can result in removal proceedings in Immigration Court.  I define important terms and guide you through the Municipal Court and Immigration Court process.

If you need immediate help,

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We help DUI defendants, one court appearance at a time.