New Jersey Car Insurance FAQ - Quick Answers

On average, New Jersey drivers pay more than most other drivers around the nation, coming in at $1,595 annually for car insurance. This rate is higher than the national average of $1,311 per year. To obtain the lowest costs on auto premiums, get multiple quotes through a trusted adviser. 

All New Jersey auto policies will be different. However, the commonly used limits are listed below.

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive coverage: Pays for a collision with an unavoidable object such as an animal.
  • Collision coverage: Pays for a collision with another vehicle, animal, or property.

In New Jersey, you are required to carry the following minimum limits in order to drive on the roadways.

  • $15,000 in bodily injury liability per person
  • $30,000 in bodily injury liability per accident
  • $5,000 in property damage liability
  • Uninsured motorist liability 
  • Personal injury protection

In New Jersey, the driver who causes the accident is the one responsible for the expense. If you are at fault, however, for your own car accident and sustain injuries, the personal injury protection on your own policy will apply and help pay for your medical bills.

If you're looking for the best car insurance carrier to do business with, then you'll have some options. In New Jersey, Travelers, Stillwater, and Progressive insurance companies come highly rated. These carriers are used often by insureds because of their superior claims service and coverage selection.

The short answer is no. You will need to provide proof of insurance when registering your New Jersey vehicle, and at the state minimum limits required. 

In New Jersey, you are required to carry insurance on your vehicle from the state in which it's registered. While most states may have a temporary period during a transition when they allow this to slide (usually 30 days), it's best to go ahead and get coverage in the state where you live and where the vehicle is registered. 

Do You Know What Your New Jersey Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Bloomfield351.23$1,676
Egg Harbor242.2$1,230
Elizabeth26.45.87$1,815
Englewood32.80.76$1,403
Fair Lawn33.30.51$1,305
Hackensack32.10.76$1,354
Jersey City37.22.51$1,635
Maplewood40.31.89$1,535
New Brunswick27.11.16$1,517
Newark35.25.47$2,102
Passaic26.72.28$1,375
Paterson24.63.14$1,544
Summit37.70.4$1,346
Toms River310.44$1,321