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New Jersey car insurance

New Jersey Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

New Jersey mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Failure to present current proof of insurance when requested may result in fines.

Any driver caught driving without insurance risks fines and/or suspension of their license or registration. Further penalties could include community service, imprisonment, and impoundment.

New Jersey Minimum Liability Coverage
Each state sets its own minimum liability amounts. In New Jersey they are as follows:

Basic policy:

  • Bodily Injury for One Person: $15,000
  • Bodily Injury for All Injuries: $10,000
  • Property Damage: $5,000
  • Permanent or significant injury: $250,000

Standard policy:
  • Bodily Injury for One Person: $15,000
  • Bodily Injury for All Injuries: $30,000
  • Property Damage: $5,000
  • Personal Injury Protection Per Person: $250,000
  • Permanent or significant injury: $250,000

New Jersey Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

No Fault Insurance
New Jersey is a No Fault state meaning that a driver will have their injuries paid for by their insurance company no matter who is at fault.