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

In New Jersey, driving without insurance carries significant penalties to discourage this behavior and protect all road users. The correct answer reflects that individuals caught driving without insurance can face fines, mandatory community service, and suspension of their driver's license.

Fines can vary, and the community service requirement is meant to underscore the seriousness of this violation. License suspension serves as an immediate consequence that impacts the driver’s ability to operate a vehicle legally. This multi-faceted penalty system emphasizes the importance of having valid insurance coverage as part of responsible vehicle ownership and operation.

Options that present only a fine, license suspension by itself, or merely a warning do not encompass the comprehensive approach New Jersey takes to ensure compliance with insurance laws because they fail to address the critical deterrent effect of multiple penalties.