New Jersey Car Insuarance

Finding low cost auto insurance rates in New Jersey has never been easier. CarInsurance.com offers the best Online Insurance Marketplace™ to help you comparison shop for the lowest local car insurance rates available. We offer one convenient place to get a quote and buy a policy in 20 minutes or less. In addition, we have all the resources you need to make informed decisions about your car insurance. You get great service from over a dozen of the most reliable and affordable insurance companies in New Jersey, so the only thing you do is shop to save money. The best rate in New Jersey last year, is not the best rate in New Jersey this year!
New Jersey Car Insurance Requirements

New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.
New Jersey Insurance Coverage:
Basic Policy
Property Damage Liability: $5,000 Limit
Personal Injury Protection: $15,000 Limit
Standard Policy
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
Uninsured Motorist Property Damage: $5,000 Limit
Personal Injury Protection: $15,000 Limit
*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.

The state of New Jersey follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.

Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.

To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.

When you get a quote at CarInsurance.com, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, CarInsurance.com's insurance agents are licensed in New Jersey and available to help you all the way through the quote and purchase process.

See how New Jersey's car insurance quotes are trending. CarInsurance.com's Average Premium Trend Tool shows these changes in New Jersey auto insurance rates, over the past few months. The arrow shows the montly trend and the graph shows the change in New Jersey's average car insurance rates over the past few months. Hold your mouse over the points to see New Jersey's annual average premium.