New Jersey car insurance: requirements & free quotes
New Jersey raised its Standard Policy minimums to 35/70/25 for policies issued or renewed on or after January 1, 2026. It is a choice no-fault state where drivers choose a lawsuit option (limited or unlimited right to sue) that affects both price and protection.
Minimum coverage in New Jersey
$35,000
Bodily injury per person
$70,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $35,000 per person / $70,000 per accident
Property damage liability $25,000 per accident
Personal injury protection (PIP) at least $15,000
Uninsured/underinsured motorist coverage
A lower-cost Basic Policy with reduced coverage is also available
Shown as 35/70/25 + PIP 15,000 (Standard Policy). State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in New Jersey
- Understand the limitation-on-lawsuit option before choosing it, since it restricts your right to sue for pain and suffering.
- Review your PIP medical limit and whether to make your health insurance primary.
- The Basic Policy costs less but offers far less protection than a Standard Policy.
- Ask about discounts for bundling and for anti-theft devices.
We connect drivers across New Jersey
Including Newark, Jersey City, Paterson, Elizabeth and Trenton — and smaller towns in between. Availability depends on agencies serving your ZIP code.
New Jersey car insurance FAQ
New Jersey is a "choice no-fault" state: drivers choose between a no-fault policy, which limits the right to sue, and a traditional tort policy, which keeps it. The choice usually affects the price.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.