Are you familiar with New Jersey's car insurance requirements?
Residents of the Garden State are required to have car insurance. Standard policyholders 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 coverage beyond New Jersey's 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 bodily injury coverage (UM/UIM BI), and uninsured/underinsured motorist property damage (UM/UIM PD) 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 are 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 a 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 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.
What's the cost for New Jersey auto insurance?
Car insurance rates tend to run higher in New Jersey compared to other states, according to average expenditure data gathered by the NAIC in 2017. 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. Progressive offers a range of money-saving discounts, including:
- Smart technology
- Online quote
- Paid in full
- Active anti-theft device
- Five-year accident-free
- Teen driver
- Good student
Facts and figures about driving in New Jersey:
The Garden State ranks among the top ten safest states for teenage drivers. With Progressive, you can get a discount by adding a teen driver to your insurance.
In 2015, an estimated 14.9% 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
Answer some questions and choose your coverages.
Call a rep
A licensed representative will help you every step of the way.
Through an agent
Connect with an independent agent in your area.