: His Personal Injury Protection (PIP) kicked in immediately, but he had to choose between a "Standard" policy (with more coverage) or a "Basic" policy (which might not cover as much if he were seriously injured).
Marco opened his mail to find his rates had jumped by over 10% for 2026, a trend hitting drivers across the state. Like many, he was feeling the squeeze from New Jersey's recent mandate that raised minimum liability coverage limits to $25,000 per person, with another hike to $35,000 scheduled for January 2026. nj auto insurance
Meet Marco, a lifelong resident of Jersey City who just got a reminder that living in the Garden State comes with a "Garden State tax"—his new car insurance premium. : His Personal Injury Protection (PIP) kicked in