Auto Insurance New Jersey | 2024 |

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. auto insurance new jersey

$15,000 minimum (can be increased up to $250,000). New Jersey operates under a , meaning your

New Jersey drivers generally choose between two primary policy structures: $15,000 minimum (can be increased up to $250,000)

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)

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