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:
While rates vary based on your driving record and zip code, several companies consistently rank well for both service and pricing in the Garden State. New Jersey's Basic Auto Insurance Policy - NJ.gov auto insurance new jersey
$15,000 minimum (can be increased up to $250,000). New Jersey operates under a , meaning your
Must match your liability limits ($35k/$70k minimum). Choosing Your Policy Type Must match your liability limits ($35k/$70k minimum)
New Jersey drivers generally choose between two primary policy structures:
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