Auto Insurance New Jersey Apr 2026

Must match your liability limits ($35k/$70k minimum). Choosing Your Policy Type

$35,000 per person and $70,000 per accident. Property Damage Liability: $25,000 per accident. auto insurance new jersey

$15,000 minimum (can be increased up to $250,000). Must match your liability limits ($35k/$70k minimum)

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 000 per person and $70

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: