What are New Jersey's auto insurance requirements?

Residents of the Garden State are required to have car insurance. Standard policy holders specifically are required to carry liability coverage limits of at least:

  • $15,000 in bodily injury per person
  • $30,000 in total bodily injury per accident
  • $5,000 in property damage per accident

Consider increasing your car insurance coverage beyond New Jersey's auto insurance requirements to fully protect your assets and your family. Discover more about auto liability insurance.

New Jersey also requires personal injury protection (PIP), uninsured/underinsured motorist coverage for bodily injury (UM/UIM BI), and uninsured/underinsured motorist property damage (UM/UIM PD) for a standard policy with the following minimum limits:

  • PIP: $15,000 minimum
  • UM/UIM BI: $15,000 per person, $30,000 per accident
  • UM/UIM PD: $5,000 with a $500 deductible

PIP covers your medical costs, as well as lost wages and death benefits, and pays out even if you're at fault. UM/UIM BI pays for medical expenses for you and your passengers if you're hit by a driver with little or no insurance. UM/UIM PD covers damage caused to your vehicle from an uninsured or underinsured driver.

As with liability coverage, it may be necessary to choose higher limits for these coverages to better protect your financial well-being.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $700 on average.* Get an auto insurance quote today.

Adding comprehensive and collision coverage gives you added protection

If you're leasing or financing a vehicle, most lenders will require you to carry comprehensive coverage and collision coverage. It also makes sense to add physical damage coverages if you're not sure you could afford a new car or to pay for major repairs. These coverages pay to repair or replace your car if it's in an accident, gets stolen, or is otherwise damaged as a result of a covered accident.

How much is car insurance in NJ?

Auto insurance rates tend to run higher in New Jersey compared to other states, according to average expenditure data gathered by the NAIC in 2018. However, rates vary based on many factors like where you live, your driving history, and the limits and coverages you choose. Learn more about the factors behind the cost of car insurance.

Can I get discounts with my New Jersey car insurance?

Yes, New Jersey drivers are eligible for many car insurance discounts. Progressive offers a range of money-saving discounts, including:

  • Multi-car
  • Smart technology
  • Online quote
  • Paid in full
  • Active anti-theft device
  • Five-year accident-free
  • Teen driver
  • Good student

See all auto insurance discounts.

Facts and figures about driving in New Jersey:

  1. The Garden State ranks among the top 10 safest states for teenage drivers. With Progressive, you can get a discount by adding a teen driver to your insurance.

  2. In 2018, New Jersey ranked sixth highest for most expensive auto insurance, with average expenditures of $1,385.61 per year. Learn how to get cheap car insurance.

  3. In 2019, an estimated 3.1% of New Jersey motorists were uninsured. Consider uninsured motorist coverage to protect yourself if the other driver can't pay.

How to get car insurance in New Jersey

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