Must match your liability limits ($35k/$70k minimum). Choosing Your Policy Type
New Jersey drivers generally choose between two primary policy structures: 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)
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) Best and Most Affordable Carriers in NJ Navigating
$15,000 minimum (can be increased up to $250,000).