New Jersey: Financial responsibility & insurance — Part 1 Practice Test
Questions in this part include: “After a crash with injury or property damage over $500, when must you notify your insurance company?” · “What is the maximum fine New Jersey's penalty chart lists for a second offense of driving with no insurance?”
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Questions are original and based on the official manual "New Jersey Driver Manual" (2026), New Jersey Motor Vehicle Commission (MVC).
All 20 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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In New Jersey, besides a valid driver license, probationary license or validated permit, what must a motorist carry while driving?
- A recent safety inspection receipt for the car
- A certified copy of the vehicle title
- Your birth certificate or U.S. passport
- Valid insurance and vehicle registration cards
Show answer
Correct answer: Valid insurance and vehicle registration cards
New Jersey law requires a motorist to carry a valid license or validated permit and also valid insurance and vehicle registration cards.
Source: New Jersey Driver Manual (2026), page 4 · Open this page in the manual (Manual page 4)
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After a crash with injury or property damage over $500, when must you notify your insurance company?
- Only if the police ask you to notify your insurer
- Within 30 days, once repair estimates are available
- At once, with complete information about the crash
- Only if you were at fault for causing the crash
Show answer
Correct answer: At once, with complete information about the crash
You must notify your insurance company at once, giving complete information about the crash.
Source: New Jersey Driver Manual (2026), page 111 · Open this page in the manual (Manual page 111)
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Which of these does the New Jersey Driver Manual list as a possible reason for losing your driving privileges?
- Failure to wash your vehicle regularly
- Failure to join an auto club
- Failure to update your car's GPS maps
- Failure to provide proof of insurance
Show answer
Correct answer: Failure to provide proof of insurance
Failure to provide proof of insurance is one of the reasons the manual lists for loss of driving privileges.
Source: New Jersey Driver Manual (2026), page 122 · Open this page in the manual (Manual page 122)
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Under New Jersey's penalty chart, a first offense of driving with no insurance results in a loss of license for:
- 6 months
- 3 years
- 30 days
- 1 year
Show answer
Correct answer: 1 year
The penalty chart lists a 1-year loss of license for a first offense of driving with no insurance.
Source: New Jersey Driver Manual (2026), page 126 · Open this page in the manual (Manual page 126)
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In New Jersey, the license suspension for a first offense of driving with no insurance may be reduced or eliminated if the driver:
- Shows the court proof of liability insurance at the hearing
- Pays twice the normal fine before the court hearing
- Finishes a defensive driving course before the hearing
- Sells the uninsured vehicle before the court hearing
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Correct answer: Shows the court proof of liability insurance at the hearing
The chart's footnote says the suspension may be reduced or eliminated if the driver gives the court satisfactory proof of vehicle liability insurance at the time of the hearing.
Source: New Jersey Driver Manual (2026), page 126 · Open this page in the manual (Manual page 126)
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Under New Jersey's penalty chart, what is the fine for a first offense of driving with no insurance?
- $50-$150
- $100-$200
- $2,500-$5,000
- $300-$1,000
Show answer
Correct answer: $300-$1,000
The chart lists a $300-$1,000 fine, plus a surcharge, for a first offense of driving with no insurance.
Source: New Jersey Driver Manual (2026), page 126 · Open this page in the manual (Manual page 126)
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Besides the fine, a New Jersey conviction for driving with no insurance carries a surcharge of:
- $100 per year for 2 years
- $250 per year for 3 years
- $1,000 per year for 3 years
- $1,500 per year for 5 years
Show answer
Correct answer: $250 per year for 3 years
The penalty chart lists a $250-per-year surcharge for 3 years for both first and second offenses of driving with no insurance.
Source: New Jersey Driver Manual (2026), page 126 · Open this page in the manual (Manual page 126)
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Under New Jersey's penalty chart, a second offense of driving with no insurance results in a loss of license for:
- 10 years
- 6 months
- 2 years
- 1 year
Show answer
Correct answer: 2 years
The penalty chart lists a 2-year loss of license for a second offense of driving with no insurance.
Source: New Jersey Driver Manual (2026), page 126 · Open this page in the manual (Manual page 126)
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Under New Jersey's penalty chart, what imprisonment is listed for a second offense of driving with no insurance?
- 14 days
- 1 year
- 90 days
- No imprisonment
Show answer
Correct answer: 14 days
The chart lists 14 days of imprisonment for a second offense of driving with no insurance.
Source: New Jersey Driver Manual (2026), page 126 · Open this page in the manual (Manual page 126)
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What is the maximum fine New Jersey's penalty chart lists for a second offense of driving with no insurance?
- Up to $500
- Up to $1,000
- Up to $10,000
- Up to $5,000
Show answer
Correct answer: Up to $5,000
The chart lists a fine of up to $5,000, plus a $250-per-year surcharge for 3 years, for a second offense of driving with no insurance.
Source: New Jersey Driver Manual (2026), page 126 · Open this page in the manual (Manual page 126)
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In New Jersey, motorists convicted of fraud on insurance applications and claim forms may receive:
- A fine of up to $5,000, up to three years in prison, or both
- A written warning for a first offense, with no fine at all
- A 30-day license suspension, with no fine or prison
- A fine of up to $250, with no prison time possible
Show answer
Correct answer: A fine of up to $5,000, up to three years in prison, or both
Insurance fraud on applications and claim forms may bring fines of up to $5,000, imprisonment for up to three years, or both.
Source: New Jersey Driver Manual (2026), page 130 · Open this page in the manual (Manual page 130)
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In New Jersey, a person convicted of an automobile insurance crime will lose their driver license for:
- 1 year
- 5 years
- 2 years
- 6 months
Show answer
Correct answer: 1 year
A person convicted of an automobile insurance crime loses their driver license for one year.
Source: New Jersey Driver Manual (2026), page 130 · Open this page in the manual (Manual page 130)
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In New Jersey, a motorist who fraudulently receives or tries to receive $500 or less from insurance may be fined up to $500 and/or imprisoned for up to:
- Three years
- Five years
- Six months
- 30 days
Show answer
Correct answer: Six months
For $500 or less, the motorist may be fined up to $500 and/or imprisoned for not more than six months as a disorderly person.
Source: New Jersey Driver Manual (2026), page 130 · Open this page in the manual (Manual page 130)
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In New Jersey, if you drive while your license or registration is suspended for failing to properly insure a vehicle, how much additional driver license suspension can you receive?
- Three to six months
- Exactly five years
- One to two years
- 30 to 60 days
Show answer
Correct answer: One to two years
Driving while suspended for failure to insure a vehicle brings a $500 fine, an additional one-to-two-year driver license suspension and possible jail time.
Source: New Jersey Driver Manual (2026), page 131 · Open this page in the manual (Manual page 131)
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In New Jersey, a motorist caught driving while suspended for failing to properly insure a vehicle may face court-ordered imprisonment of up to:
- 90 days
- 10 days
- 180 days
- 45 days
Show answer
Correct answer: 90 days
Besides a $500 fine and one to two more years of suspension, the court may order imprisonment for up to 90 days.
Source: New Jersey Driver Manual (2026), page 131 · Open this page in the manual (Manual page 131)
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In New Jersey, what fine applies to driving while your license or registration is suspended for failing to properly insure a vehicle?
- $250
- $500
- $1,000
- $100
Show answer
Correct answer: $500
Driving while suspended for failure to properly insure a vehicle brings a $500 fine, one to two more years of suspension and possible imprisonment of up to 90 days.
Source: New Jersey Driver Manual (2026), page 131 · Open this page in the manual (Manual page 131)
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Besides removing points, what other benefit may you get from completing a defensive driving course in New Jersey?
- Removal of a DUI conviction
- An exemption from the vision test
- An insurance rate reduction
- A free license renewal
Show answer
Correct answer: An insurance rate reduction
A motorist who completes a defensive driving course may qualify for an insurance rate reduction.
Source: New Jersey Driver Manual (2026), page 135 · Open this page in the manual (Manual page 135)
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In New Jersey, what violation surcharge applies for having no insurance on a motorized bicycle?
- $1,500
- $100
- $1,000
- $250
Show answer
Correct answer: $100
The surcharge table lists $100 for no insurance on a motorized bicycle.
Source: New Jersey Driver Manual (2026), page 136 · Open this page in the manual (Manual page 136)
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Besides MVC points and surcharges, how can motor vehicle convictions affect a New Jersey motorist?
- They never affect auto insurance costs
- They extend the license renewal period
- They may increase auto insurance premiums
- They lower the vehicle registration fee
Show answer
Correct answer: They may increase auto insurance premiums
Motor vehicle convictions may increase the automobile insurance premiums the motorist's insurance company charges.
Source: New Jersey Driver Manual (2026), page 137 · Open this page in the manual (Manual page 137)
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In New Jersey, what must residents who buy a new or used vehicle do before driving it on public roads?
- Title, register and insure it
- Only insure it, then register it later
- Have it inspected, then title it later
- Register it within 30 days of driving
Show answer
Correct answer: Title, register and insure it
New Jersey residents who buy a new or used vehicle must title, register and insure it before driving it on public roads.
Source: New Jersey Driver Manual (2026), page 158 · Open this page in the manual (Manual page 158)