Auto Insurance New Jersey Official

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

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

$15,000 minimum (can be increased up to $250,000). New Jersey's Basic Auto Insurance Policy - NJ

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

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