Auto Insurance New — Jersey

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

While rates vary based on your driving record and zip code, several companies consistently rank well for both service and pricing in the Garden State. New Jersey's Basic Auto Insurance Policy - NJ.gov

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

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

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

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

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: New Jersey's Basic Auto Insurance Policy - NJ

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)