Auto Insurance New Jersey -

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

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: 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 Must match your liability limits ($35k/$70k minimum)

New Jersey drivers generally choose between two primary policy structures: It provides very limited coverage ($5,000 for property

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

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)

$35,000 per person and $70,000 per accident. Property Damage Liability: $25,000 per accident.