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New Jersey Car Insurance

New Jersey Car Insurance

New Jersey Car Insurance for Residents Who Love to Save

The Garden State has a number of insurance types law mandates drivers to have. The minimum limits for New Jersey Car Insurance are:


  • $15,000 for bodily injury, per person 
  • $30,000 for bodily injury, per accident 
  • $5,000 for property damage, per accident

Uninsured/Underinsured Motorist Coverage

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident 
  • $5,000 for property damage per accident

Personal Injury Protection (PIP)

  • $15,000 per person

More Information about Personal Injury Protection (PIP)

New Jersey Car Insurance

Personal Injury Protection (PIP) is often referred to as no-fault insurance. It can cover your medical costs when you are in a traffic accident and injured. It can work with your health insurance to make sure that you are covered in case of costly medical bills that are the cause of an accident, regardless of who is at fault. There are four types of PIP:

  • Full PIP Primary
  • Full PIP Health Primary
  • Medical only PIP Primary
  • Medical Only Health Primary

When your personal injury protection coverage is a PIP Primary coverage, your PIP is used before your health insurance when it comes to accident-related expenses.

When your personal injury protection coverage is a Health Primary coverage, your health insurance is used before your PIP when it comes to accident-related expenses.

PIP can cover medical expenses, wages lost due to work missed because of your injuries, and household help that qualifies.

More Information about Liability Coverage

Liability coverage pays for costs stemming from bodily injury or fatality when an automobile accident occurs. It also pays for costs of another driver’s property. It does not cover your costs but does cover the cost of another driver in an accident you are found at fault for. 

More Information about Uninsured/Underinsured Motorist Coverage

New Jersey Car Insurance

This covers your injury-related costs if the driver you are in an accident with has no insurance and they are deemed at fault in the accident. It also covers your injury-related costs if the other driver has too little insurance to cover your costs and are deemed at fault in the accident.

Other New Jersey Car Insurance Options

Collision Insurance: If your vehicle damaged in a traffic accident, repairs can be costly. Collision insurance helps pay for these costs, regardless of who is at fault

Comprehensive Insurance: If your car is damaged by something not related to an accident or get stolen, comprehensive insurance helps cover these costs. If you get comprehensive coverage added to your policy, New Jersey mandates that you get your car inspected if it is less than 7 years old. You are required to find an inspection station that can provide this inspection.

  • Extended Medical
  • Lease Gap Insurance (GAP)
  • Roadside Assistance
  • Rental Reimbursement
  • Variables that Determine Auto Insurance Premiums

Most car insurance companies use a number of variables when determining how much you are charged for New Jersey car insurance. A few of the variables include:

  • Driving record
  • Make, model, and year of a driver’s car
  • Claims History
  • Annual Mileage
  • Where the vehicle is parked or garaged
  • The size of the deductible on the policy

Auto Insurance Discounts in New Jersey

You may qualify for car insurance discounts to help you get cheap car insurance that fits your needs. You can get discounts for a number of reasons, so make sure to use our free quote to compare car insurance premiums and find the most affordable plan for you. Car insurance discount possibilities include:

  • Good Driver 
  • Good Student Driver
  • Anti-Theft Device Discounts
  • Low Mileage Driver 
  • Carpooler 

It is possible for more than one discount to apply, which helps you save even more money on your auto insurance policy.

New Jersey Car Insurance

Final Note

Not having a New Jersey car insurance plan can be costly. Car insurance rates vary between auto insurance policies. The cheapest quote is not always the best. What you are looking for is the cheapest quote for the auto insurance coverage that fits your needs. Protecting yourself, your loved ones, and your vehicle is a simple decision. Our free quote is your next step.

Rank City Avg. Annual Premium
1 Newark $2,409
2 East Orange $2,356
3 Paterson $2,337
4 Passaic $2,337
5 Elizabeth $2,283
6 Union City $2,210
7 Camden $2,160
8 Atlantic City $2,148
9 Perth Amboy $2,083
10 Linden $2,074
11 Fort Lee $2,051
12 Kearny $2,039
13 Clifton $2,017
14 Jersey City $2,006
15 Hoboken $1,995
16 Hackensack $1,957
17 Bayonne $1,860
18 Trenton $1,847
19 New Brunswick $1,716
20 Lakewood $1,711
21 Sayreville $1,630
22 Vineland $1,620
23 Toms River $1,476

Top Cities in State