New Jersey: Financial responsibility & insurance — Part 3 Practice Test
Questions in this part include: “When you surrender old license plates to the New Jersey MVC, what should you do with the receipt you are given?” · “Which type of motor vehicle insurance is mandatory for every vehicle registered in New Jersey?”
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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 19 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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If you sell your vehicle in New Jersey and do not transfer the plates to another vehicle, what must you do with the plates?
- Leave them on the car for the buyer
- Surrender them to the MVC
- Keep them for a future vehicle
- Throw them away
Show answer
Correct answer: Surrender them to the MVC
If you sell your vehicle and do not transfer the plates, you must surrender the old plates at an MVC agency or by mail; the same applies if the vehicle is junked or destroyed and you will not buy another.
Source: New Jersey Driver Manual (2026), page 159 · Open this page in the manual (Manual page 159)
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When you surrender old license plates to the New Jersey MVC, what should you do with the receipt you are given?
- Keep it in a safe place
- Give it to the vehicle's buyer
- Throw it away once home
- Mail it back to the MVC
Show answer
Correct answer: Keep it in a safe place
A receipt is provided when you surrender your plates, and it should be kept in a safe place.
Source: New Jersey Driver Manual (2026), page 159 · Open this page in the manual (Manual page 159)
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In New Jersey, what must you do with your license plates if you terminate (end) your vehicle insurance?
- Cover them until insured again
- Return them to the MVC
- Give them to your insurance company
- Keep them on the parked vehicle
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Correct answer: Return them to the MVC
If a motorist terminates vehicle insurance, the plates must be returned to the MVC.
Source: New Jersey Driver Manual (2026), page 159 · Open this page in the manual (Manual page 159)
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In New Jersey, how often must gasoline-fueled, passenger-registered vehicles (model year 1996 and newer, more than five model years old) pass State inspection?
- Every two years
- Every five years
- Every year
- Every three years
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Correct answer: Every two years
Gasoline-fueled, passenger-registered vehicles, model year 1996 and newer and more than five model years old, must pass State inspection every two years.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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Where can a New Jersey passenger vehicle get its required State inspection?
- Only at the dealership where the vehicle was bought new
- At any auto repair shop you choose
- Only at an MVC Vehicle Center office
- A State station or a licensed private facility (PIF)
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Correct answer: A State station or a licensed private facility (PIF)
Inspections are done at a State inspection station or a State-licensed private inspection facility (PIF).
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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Diesel-fueled, passenger-registered vehicles (model year 1997 and newer, more than five model years old) must pass New Jersey emissions inspections every two years if their GVWR is:
- 26,001 pounds or more
- 8,500 pounds or less
- 10,001 to 26,000 pounds
- More than 8,500 pounds
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Correct answer: 8,500 pounds or less
Diesel-fueled, passenger-registered vehicles with a GVWR of 8,500 pounds or less (model year 1997 and newer, more than five model years old) must pass emissions inspections every two years.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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In New Jersey, new passenger vehicles less than five model years old receive a new car dealer inspection sticker that expires:
- Two years after initial registration
- Ten years after initial registration
- Five years after initial registration
- One year after initial registration
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Correct answer: Five years after initial registration
New passenger vehicles less than five model years old are issued a new car dealer sticker expiring five years after they are initially registered.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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In New Jersey, how often must a commercially registered vehicle be inspected?
- Every three years
- Every five years
- Every two years
- Every year
Show answer
Correct answer: Every year
If a vehicle is registered commercially, it is required to be inspected annually.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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A commercial-registered vehicle less than one year old is bought at a New Jersey dealership. When does its new car dealer sticker expire?
- One year after initial registration
- Five years after initial registration
- It never expires while owned
- Two years after initial registration
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Correct answer: One year after initial registration
Commercial-registered vehicles less than one year old bought at a dealership receive a new car dealer sticker expiring one year after they are initially registered.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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Where must high-rise and reconstructed vehicles be inspected in New Jersey?
- Nowhere, since they are exempt
- At an NJMVC Specialty Inspection site
- At the dealership that sold them
- At any State-licensed private inspection facility
Show answer
Correct answer: At an NJMVC Specialty Inspection site
High-rise and reconstructed vehicles must be inspected at one of the NJMVC's Specialty Inspection sites.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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What documents must you bring when taking your vehicle for inspection in New Jersey?
- A valid license, NJ registration and insurance
- Your birth certificate and your passport
- The owner's manual and the most recent repair receipt
- Only the vehicle's title and bill of sale
Show answer
Correct answer: A valid license, NJ registration and insurance
All motorists must bring a valid driver license, valid New Jersey registration and insurance documents for the vehicle being inspected.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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When moving to New Jersey from another state, within how many days after registering must a passenger vehicle five model years or older be inspected?
- 7 days
- 60 days
- 30 days
- 14 days
Show answer
Correct answer: 14 days
A motorist moving to New Jersey must have a passenger vehicle five model years or older inspected within 14 days after registering it.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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You move to New Jersey with a passenger vehicle that is less than five model years old. What does the manual say about its inspection?
- It must be inspected at a Specialty Inspection site
- It must be inspected every year for the first five years
- It is exempt and gets a new car dealer sticker
- It must be inspected within 14 days of registering it
Show answer
Correct answer: It is exempt and gets a new car dealer sticker
A passenger vehicle less than five model years old brought to New Jersey is exempted from inspection and receives a new car dealer sticker expiring five years from the model year; older vehicles must be inspected within 14 days after registering.
Source: New Jersey Driver Manual (2026), page 160 · Open this page in the manual (Manual page 160)
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Which type of motor vehicle insurance is mandatory for every vehicle registered in New Jersey?
- Liability insurance
- Collision insurance
- Gap insurance
- Comprehensive insurance
Show answer
Correct answer: Liability insurance
Motor vehicle liability insurance is mandatory in New Jersey, and every registered vehicle must have it.
Source: New Jersey Driver Manual (2026), page 161 · Open this page in the manual (Manual page 161)
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When must you show your New Jersey Insurance ID card?
- Only when you renew your driver license
- Only when you drive into another state
- At inspection, after a crash and at police stops
- Only when you sell or trade in the vehicle to a dealer
Show answer
Correct answer: At inspection, after a crash and at police stops
The Insurance ID card must be shown before inspection, when involved in a crash and when stopped by law enforcement for a traffic violation or roadside spot check.
Source: New Jersey Driver Manual (2026), page 161 · Open this page in the manual (Manual page 161)
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Is an electronic version of the New Jersey Insurance ID card acceptable?
- Only for commercial vehicles
- Yes, an electronic version is acceptable
- No, only the original paper card is accepted
- Only at inspection stations
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Correct answer: Yes, an electronic version is acceptable
The manual states that an electronic version of the Insurance ID card is acceptable.
Source: New Jersey Driver Manual (2026), page 161 · Open this page in the manual (Manual page 161)
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In New Jersey, what can happen to a motorist who fails to maintain liability insurance or drives an uninsured vehicle?
- A required new road test and nothing more
- Fines, community service, suspension and surcharges
- A written warning for a first offense, and nothing more
- Loss of the vehicle title, with no fines
Show answer
Correct answer: Fines, community service, suspension and surcharges
Failure to maintain liability insurance or driving an uninsured vehicle can result in fines, community service, license and registration suspension, and violation surcharges.
Source: New Jersey Driver Manual (2026), page 161 · Open this page in the manual (Manual page 161)
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In New Jersey, civil fines for insurance fraud can be up to how much for each violation?
- $15,000
- $7,500
- $50,000
- $1,500
Show answer
Correct answer: $15,000
The Office of the Insurance Fraud Prosecutor may impose civil fines of up to $15,000 for each violation of insurance fraud.
Source: New Jersey Driver Manual (2026), page 161 · Open this page in the manual (Manual page 161)
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According to the New Jersey Driver Manual, why should motorists help by reporting insurance fraud?
- Reporting fraud removes points from your record
- It cancels any violation surcharges on your own record
- Reporters get a share of any fines collected
- Fraud raises insurance costs for all New Jerseyans
Show answer
Correct answer: Fraud raises insurance costs for all New Jerseyans
Because fraud increases the cost of insurance for all New Jerseyans, motorists can help the Office of the Insurance Fraud Prosecutor by reporting it.
Source: New Jersey Driver Manual (2026), page 161 · Open this page in the manual (Manual page 161)