Auto - Insurance New Jersey

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

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 auto insurance new jersey

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

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: 000 for property damage and $15

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