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NJ
New Jersey car insurance
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:
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
What it covers
Injuries you cause to others in an accident |
Minimum amount
$25,000 per person |
|
Property damage liability |
What it covers
Damage you cause to other people's property in an accident |
Minimum amount
$25,000 per accident |
|
UM/UIM bodily injury |
What it covers
Your medical expenses an uninsured or underinsured driver causes |
Minimum amount
$25,000 per person |
|
UM/UIM property damage |
What it covers
Damage to your property an uninsured or underinsured driver causes |
Minimum amount
$25,000 with a $500 deductible |
|
Personal injury protection |
What it covers
Your medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault |
Minimum 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 $157.27 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.
Switch and save with Progressive
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $900 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 a leading 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 25% 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
- New Jersey Motor Vehicle commission: Find out how to get or renew your New Jersey license and registration.
- New Jersey Department of Transportation traffic laws: Review New Jersey's traffic and parking regulations.
- New Jersey driving FAQs: Get answers to common questions about New Jersey speed limits, point system, vehicle registration, and more.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in New Jersey
-
Go online
We ask easy questions, and you customize your coverages.
-
Call a rep
Talk with a licensed representative who can guide you through the process.
-
Through an agent
Connect with an independent agent in your area.
More insurance resources for New Jersey
