New Jersey Points: What Each Ticket Costs and How to Bring the Total Down

New Jersey adds points when you are convicted of a moving violation. At 6 points you start paying an annual MVC surcharge, and at 12 your license can be suspended. Here is the chart and the two ways the total comes down.

By the DefensiveDrivingHub Editorial Team. Reviewed October 21, 2026 against N.J.A.C. 13:19-10 and NJ MVC.

New Jersey points by violation

New Jersey points by violation
ViolationPoints
Speeding 1-14 mph over the limit2
Speeding 15-29 mph over the limit4
Speeding 30 mph or more over the limit5
Failure to observe a traffic signal2
Careless driving2
Improper passing4
Passing a school bus5
Reckless driving5
Tailgating5
Hand-held phone, third or later violation3

Phone points are not assessed if the third violation comes more than 10 years after the second.

When points start to cost money and your license

  • 6 or more points within 3 years: MVC insurance surcharge: $150 a year, plus $25 for each point over 6, for 3 years
  • 6 or more points: Advisory notice from MVC
  • 12 to 15 points within 2 years: 30-day license suspension

The surcharge is separate from your insurance premium and from court fines. Three years of $150 is $450 before any per-point additions.

How points come off

With time. 3 points come off for each 12 months in a row without a violation or suspension.

With a course. An MVC-approved defensive driving course removes 2 points, once every 5 years, if you have points when you finish.

With an MVC program. Drivers facing suspension at 12 to 14 points over more than 2 years may be offered the Driver Improvement Program, which removes up to 3 points.

Frequently asked questions

How many points is a speeding ticket in New Jersey?

2 points for 1-14 mph over the limit, 4 points for 15-29 mph over, and 5 points for 30 mph or more over.

How many points before New Jersey suspends your license?

12 to 15 points within 2 years can bring a 30-day suspension. At 6 points, MVC sends an advisory notice.

What is the New Jersey 6-point surcharge?

If you reach 6 or more points within 3 years, MVC charges $150 a year plus $25 for each point over 6, for 3 years.

How do points come off in New Jersey?

3 points come off for each 12 months in a row without a violation or suspension. An MVC-approved defensive driving course removes 2 more, once every 5 years.

Does careless driving carry points in New Jersey?

Yes, careless driving carries 2 points.

Sources

General information, not legal advice. MVC and the court handling your ticket have the final word on your record.