Navigating the NJ Surcharge Program: What Drivers Need to Know

 Getting a traffic ticket in New Jersey can hurt more than just your wallet—especially if it triggers the NJ Surcharge Program. These surcharges are extra fees added on top of your ticket fines and can follow you for years.

In this guide, we’ll explain what the surcharge system is, who gets affected, and how to avoid getting hit with long-term costs.

💡 What Is the NJ Surcharge Program?

The New Jersey Surcharge Violation System (SVS) is a state-run program that imposes additional fees on drivers who:

  • Accumulate 6 or more points within 3 years

  • Commit specific serious violations (like DUI or driving without insurance)

These fees are separate from your court fines and must be paid directly to the New Jersey Surcharge Payment Center.

⚖️ Common Surcharge Triggers

Here are some violations that result in automatic surcharges:

Violation

Surcharge Amount

Accumulating 6 points in 3 years

$150 (plus $25 per point over 6)

DUI (first offense)

$1,000 per year for 3 years

DUI (second or third offense)

$1,500 per year for 3 years

Driving without a license

$100 per year for 3 years

Driving while suspended

$250 per year for 3 years

Driving without insurance

$250 per year for 3 years

🧾 How Are Surcharges Paid?

You’ll receive a bill by mail from the NJ Surcharge Payment Center. Payments can be made:

Failure to pay your surcharge on time may result in:

  • License suspension

  • Wage garnishment

  • Additional collection fees

❌ Can Surcharges Be Reduced or Dismissed?

Surcharges cannot be appealed or dismissed by the court. However, if you're experiencing financial hardship, you may:

  • Apply for a payment plan

  • Check eligibility for a Hardship Payment Program (available in certain cases)

✅ How to Avoid Surcharges

  • Drive safely: Avoid violations that add points to your license.

  • Take a Defensive Driving Course to reduce points.

  • Stay insured: Don’t drive without valid insurance—one of the most expensive surcharge triggers.

  • Monitor your driving record regularly through the NJ MVC.

Final Thoughts

The NJ Surcharge Program is no joke—it can add hundreds or even thousands of dollars to your total costs after a traffic violation. The best defense? Stay informed, drive responsibly, and handle any violations as early as possible.

If you would love to know how you pay New Jersey the surcharge or tickets only with ease then visit the dedicated page. (https://nj-mcdirect.com/)

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