If your license has expired you need to renew it so that you have a legal license to drive with and so that you have a valid license as your insurance company likely requires.
It is our understanding that driving with an expired license in New Jersey is counted the same as driving as an unlicensed driver. You are violating NJ Statutes 39:3-10 which requires you to have a valid license in order to operate a vehicle in New Jersey.
In NJ driving without a valid license is a surchargeable offense. Surcharges handed down by the NJ Motor Vehicle Commission (MVC) are in addition to any court fines/penalties. According to the MVC it is a $100 surcharge for driving without a license.
If you do not pay your surcharges, MVC will suspend your driving privileges indefinitely and take action in the State Superior Court. This may include securing a lien against your property, garnishing your wages or other similar actions.
So if your license has expired it is best to renew it as soon as possible so that you do not receive these penalties from the MVC or lose your insurance since you no longer have a valid license to be rated on. If you are in need of auto insurance for New Jersey, click here.