New Jersey Teen Driving Laws, Insurance Requirements & Drivers License

Information on New Jersey Teen Driving Rules, Insurance Requirements & Drivers License

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The State of New Jersey Graduated Driver License System

The State of New Jersey graduated license system is designed to give teen drivers the opportunity to begin practice driving under supervision and with certain restrictions in place. This helps to limit high risk driving situations and increases parental or adult involvement. As teen drivers reach milestones along the way, they are given more responsibility and may graduate to a less restrictive license.

The Early Bird Road

The Early Bird Road has a three-step progression and is available to applicants who are 16 and older. The three steps are:

  • The Student Learner Permit. Teen drivers must be a minimum of 16 years of age to apply for a student learner permit. They must pass a knowledge test and present proof of enrollment in a State of New Jersey approved Driver Training Course. Applicants must visit a New Jersey Motor Vehicle Commission location and present valid identification and a signed letter of permission from a parent or legal guardian. Teen drivers that hold a student learner permit must practice supervised driving for a minimum of 6 months with an adult supervising driver that is a minimum of 21 years of age and has held a valid license for at least 3 years. The adult supervising driver must occupy the seat next to the teen driver at all times while the vehicle is in motion. The learner permit is good for 2 years and must be carried by the driver when operating a motor vehicle. Passengers inside the vehicle that the student learner permit holder is driving are limited to 1 person outside of the household. Cellular phones, video games or any hand held electronic devices must not be used by the learner permit holder while the vehicle is in motion. All passengers and the driver must wear safety belts or be restrained in an approved car seat. Learner permit holders under the age of 21 may not drive between the hours of 11:01 PM and 5:00 AM.
  • The Provisional License. Teen drivers must be a minimum of 17 years of age to receive a provisional license. Teen drivers that apply for the provisional license must present valid identification and pass a Motor Vehicle Commission road test. Once the applicant has received the provisional license they may practice driving unsupervised for a period of 1 year. After the year is completed the driver may apply for a basic driving license. The provisional license holder is under the following restrictions: Driving is not allowed between the hours of 12:01 AM and 5:00 AM unless signed documentation has been given for employment or religious purposes.  Only 1 person from outside your household is allowed as a passenger in the vehicle Driver may not use a cellular phone, video games or any hand held electronic device. Safety belts must be worn at all times
  • The Basic Driver License. Drivers must be a minimum of 18 years of age to receive a basic driver license. You also must have completed the unsupervised driving period of 1 year with your provisional license. The provisional license and valid identification must be presented at a Motor Vehicle Commission office. You are also required to pay a fee for the basic driver license.

The Young Adult

The Young Adult Road has a three-Step Progression and is eligible for drivers who are 17 Years-Old and up

  • The Examination Permit. Teen drivers 17 years old and above may apply for an examination permit at a Motor Vehicle Commission Office or with an approved Licensed Driving Instructor. Applicants must pass a vision screening, a knowledge test and present valid identification. The examination permit is valid for 2 years and must be carried at all time while operating a motor vehicle. After receiving an examination permit the holder must practice supervised driving for a minimum of 6 months before moving on to the next step. Examination permit holders are under the following restrictions: Driving is not allowed between the hours of 12:01 AM and 5:00 AM unless signed documentation has been given for employment or religious purposes. The driver must be accompanied by a licensed driver that is a minimum of 21 years of age and has held a valid driver license for a minimum of 3 years. The driver may not use a cellular phone, video games or any hand held electronic device. Only 1 person from outside the driver’s household is allowed as a passenger in the vehicle. Safety belts must be worn at all times
  • The Provisional License. Applicants for the provisional license must complete the 6 months of supervised driving with the Examination Permit and pass a Motor Vehicle Commission road test. After all the criteria are met, the provisional license holder must complete 1 year of unsupervised driving practice under the following restrictions: Driving is not allowed between the hours of 12:01 AM and 5:00 AM unless signed documentation has been given for employment or religious purposes. Only 1 person from outside the driver’s household is allowed as a passenger in the vehicle. The driver may not use a cellular phone, video games or any hand held electronic device Safety belts must be worn at all times
  • The Basic Driver License. Applicants must be a minimum of 18 years of age to apply for the Basic Driver License and completed the 1 year of unsupervised driving under the provisional license. Applicants must present a provisional license and valid identification to the Motor Vehicle Commission during application. Applicants are also required to pay a fee for a basic driver license.

State of New Jersey Insurance Requirements

All vehicles registered in the State of New Jersey must have 3 types of insurance.

  • Liability Insurance
  • Personal Injury Protection (PIP)
  • Uninsured Motorist Coverage

Proof of this insurance is required if you are stopped by a law enforcement officer. You may be fined, have your license suspended and face monetary penalties if you do not have insurance or proof of insurance in your vehicle.

The State of New Jersey Basic Policy

New Jersey 's Basic Policy is the least amount of insurance allowable by State Law. The following amounts reflect that coverage.

  • $10,000 Bodily Injury Liability - Not Included but Available as an Option
  • $5,000 Property Damage Liability  Included
  • $15,000  Personal Injury Protection  Per Person, Per Accident
  • $250,000 - For Permanent or Significant Injury as Defined in Policy

This Basic policy offers less protection and therefore is costs less. Please discuss other options with your insurance agent. 

Other New Jersey Information on Our Website

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