Auto Insurance New Jersey Official

A lower-cost "safety net" designed for those with few assets. It provides very limited coverage ($5,000 for property damage and $15,000 for PIP) and typically does not include bodily injury liability or UM/UIM unless added as options. Best and Most Affordable Carriers in NJ

Must match your liability limits ($35k/$70k minimum). Choosing Your Policy Type

$35,000 per person and $70,000 per accident. Property Damage Liability: $25,000 per accident. auto insurance new jersey

The most common choice. It offers customizable coverage, higher liability limits, and the option to add comprehensive and collision protection.

New Jersey drivers generally choose between two primary policy structures: A lower-cost "safety net" designed for those with few assets

Navigating Auto Insurance in New Jersey (2026) Auto insurance is mandatory for every vehicle registered in New Jersey . Driving without it can lead to severe penalties, including fines, license suspension, and potential jail time. As of , the state has implemented the second phase of a multi-year plan to increase minimum liability limits to better reflect modern medical and repair costs. Mandatory Minimum Requirements (2026)

New Jersey operates under a , meaning your own insurance typically pays for your medical expenses regardless of who caused the accident. For a Standard Policy renewing in 2026, the law now mandates the following minimums: Choosing Your Policy Type $35,000 per person and

$15,000 minimum (can be increased up to $250,000).