Auto Insurance New Jersey [ Chrome ]

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

While rates vary based on your driving record and zip code, several companies consistently rank well for both service and pricing in the Garden State. New Jersey's Basic Auto Insurance Policy - NJ.gov

$35,000 per person and $70,000 per accident. Property Damage Liability: $25,000 per accident. auto insurance new jersey

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:

The most common choice. It offers customizable coverage, higher liability limits, and the option to add comprehensive and collision protection. A lower-cost "safety net" designed for those with few assets

$15,000 minimum (can be increased up to $250,000).

Must match your liability limits ($35k/$70k minimum). Choosing Your Policy Type New Jersey's Basic Auto Insurance Policy - NJ

New Jersey drivers generally choose between two primary policy structures: