New Jersey car insurance

When looking into car insurance quotes in New Jersey, let Progressive put you on the road to protection and savings. Learn about New Jersey auto insurance requirements and available discounts, so you can choose the coverages that fit your needs and your budget in the Garden State.

4 min to read

What are New Jersey's minimum auto insurance requirements?

New Jersey drivers are required to have auto liability coverage (BI liability and PD liability ), uninsured/underinsured motorist (UM/UIM) coverage, and personal injury protection (PIP) at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$25,000 per accident
UM/UIM bodily injuryWhat it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$25,000 per person
$50,000 per accident
UM/UIM property damageWhat it coversDamage to your property an uninsured or underinsured driver causesMinimum amount$25,000 with a $500 deductible
Personal injury protectionWhat it coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at faultMinimum amount$15,000

These are New Jersey's minimum auto insurance limits — you might select higher limits to more fully protect your assets and your family. Learn how much car insurance you may need based on your unique circumstances.

Is New Jersey a no-fault state?

Yes, New Jersey has been a no-fault state since 1973, according to the Insurance Information Institute. This means NJ drivers must carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts your right to sue to only lawsuits that involve severe injuries. However, New Jersey is an optional no-fault state — drivers can reject the right-to-sue limitations, but they must still carry PIP.

How much is car insurance in NJ?

New Jersey is among the higher-cost states for car insurance, which averages $146 per month for a liability-only policy from Progressive.* You may also find that living in Newark, Jersey City, and other highly populated areas can lead to a higher average car insurance rate.

However, your car insurance rate will depend on many car insurance cost factors like your age, your driving history, and the limits and coverages you choose. In general, though, auto insurance rates tend to run higher in New Jersey compared to other states, according to average expenditure data gathered by the National Association of Insurance Commissioners in 2020.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average. Get an auto insurance quote today.

What is the best car insurance in New Jersey?

To get the best car insurance in New Jersey, be sure to compare equal coverages, limits, deductibles, and discounts. Progressive car insurance offers plenty of incentives to New Jersey residents. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in New Jersey, get a quote from Progressive — drivers nationwide who switch from GEICO and save with Progressive save over $700 on average.§

How do I lower my car insurance cost in New Jersey?

To lower your car insurance cost in New Jersey, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in New Jersey is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision auto coverage in addition to New Jersey's state-required coverages. Comprehensive and collision pay to repair or replace your car, regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged as the result of a covered accident. It also makes sense to add these physical damage coverages if you're not sure you could afford a new car or major repairs after an accident.

Explore all our car insurance coverages , and use our car insurance calculator to find out which ones are recommended for you.

Resources for New Jersey drivers

How to get car insurance in New Jersey

Go online

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Call a rep

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Call 1-866-749-7436

Through an agent

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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.