The England skipper believes group leaders Montenegro will try to put pressure on the referee to make "rash" decisions in the hostile atmosphere in Podgorica.
England had striker Wayne Rooney sent off on at the same stadium 17 months ago as they surrendered a two-goal lead and had to settle for a 2-2 draw - although it was enough to qualify for Euro 2012.
Gerrard said: "It is important we keep 11 men on the pitch because it is going to be a very difficult game.
"It is going to be a pressure situation and we don't need to give the referee any excuse to send any of us off or any unnecessary yellow cards.
"It is important everyone takes responsibility and stays on the pitch.
"I'm sure everyone knows it before the game but I'm sure the manager (Roy Hodgson) will remind everyone. I'm sure that will be one of the points on the board.
"They will be trying to claim every decision, every foul, and they will be trying to intimidate the ref to make rash decisions.
"I'm sure we will have a good ref in charge who will make sensible decisions but it's important we keep our cool and keep everyone on the pitch."
Gerrard is confident England have enough pedigree and experience to cope with what will be a hostile crowd.
He said: "I think their supporters will make it as hostile as they can.
"Anytime you are away from home against these countries, when England are in town, the supporters are up for it.
"They are desperate to beat us, and everything is against us, but I think we've got the players in the squad to go and handle the situation and get the three points.
"I don't think there will be that many people there and we are used to playing in front of bigger crowds.
"These are the type of atmospheres where they try and intimidate us and I think we will be used to it and will be able to handle it."
The significance of Tuesday's game is not lost on Gerrard with England currently two points adrift of Montenegro who won 1-0 in Moldova on Saturday.
It will be in contrast to England's 8-0 win in San Marino - their biggest win for 26 years.
Gerrard said: "Everyone knows you can't compare San Marino to Montenegro. It's the two ends of the scale.
"We knows it's going to be a much tougher test on Tuesday, the standard of players we are going to be up against are much better.
"They have got certain individuals in the world class category, We are well of the task in hand and know it's a much tougher game.
"I don't know whether crucial is the right word to describe this game but it is certainly a result we need.
"We need to take maximum points from this week to get into the driving seat. There are still a lot of tough and important games to play but we certainly want to make a statement.
"We want to go off in the summer and look at the group being in charge because we don't play for a long time."
Gerrard was rested for the win over San Marino along with other key players such as Ashley Cole, Glen Johnson, James Milner and Danny Welbeck.
He said: "Everyone was desperate to play, everyone wants caps, and to be involved in wins, and everyone wants to play for England.
"But that's a selfish way to look at it. It's important for the manager to use the squad and it would be really good for the spirit that everyone has played during the two games."