To register a car in New Jersey, you need to present specific documents in person at a New Jersey Motor Vehicle Commission (MVC) agency. The core requirements are: proof of ownership (the vehicle's title), proof of New Jersey auto insurance, a completed Application for Certificate of Ownership (Form OS/SS-7), and a valid driver's license. You must also pay the required registration fees and any applicable sales tax.
The most critical item is your proof of insurance from a company licensed to do business in NJ. The policy must be active and list the vehicle you're registering. Without it, the MVC will not process your application.
Next, you need the vehicle's title. If you have a loan, the leasing company or lienholder holds the title and will provide you with the necessary documents to take to the MVC. You must also complete the OS/SS-7 form, which initiates the titling and registration process.
Be prepared for additional steps. New Jersey requires most vehicles to pass a safety inspection within 14 days of registration. If you're a new resident registering an out-of-state vehicle, you may need to provide the prior title and registration. The entire process must be done in person, and it's wise to schedule an appointment online to reduce wait times.
| Required Item | Description & Key Details |
|---|
| Proof of Insurance | NJ-style insurance card or company-issued letter with vehicle VIN and effective dates. |
| Vehicle Title | Must be properly assigned to you by the previous owner. |
| Completed OS/SS-7 Form | Available for download on the NJ MVC website. |
| Valid Driver's License | Your NJ driver's license or another acceptable form of ID. |
| Registration Fee | Varies by vehicle weight and model year; typically $50-$100 for passenger vehicles. |
| Sales Tax | 6.625% of the purchase price, payable at registration (some exemptions apply). |
| Vehicle Identification Number (VIN) | May need to be verified by MVC staff. |
| Odometer Reading | Required on the title application for vehicles under 10 model years old. |
