New Jersey car insurance is unique because of its , which requires all drivers to carry Personal Injury Protection (PIP) to cover their own medical bills regardless of who caused the accident. Mandatory Minimum Requirements
: Top-rated for having the best selection of coverage add-ons like accident forgiveness. Average Costs
: Consistently ranked #1 for customer satisfaction in NJ. It often provides dividends (cash back) to policyholders when the company performs well. car insurance jersey new
: This choice drastically affects your premium. Selecting the "Limitation" option means you can only sue for pain and suffering if your injury is "serious" (e.g., permanent injury, displaced fracture, or death). Choosing "No Limitation" gives you an unrestricted right to sue but costs more.
As of , New Jersey has implemented the second phase of a plan to increase mandatory minimum liability limits. Most drivers choose a Standard Policy , which now requires higher limits than previous years. Coverage Type Standard Policy Minimum (2026) Basic Policy (Minimum) Bodily Injury (BI) $35,000 / $70,000 Not included standard (optional $10,000) Property Damage (PD) PIP (Medical) $15,000 (up to $250,000 for brain/spinal injuries) $15,000 (up to $250,000 for catastrophic) UM/UIM Matches BI limits ($35,000 / $70,000) Key Policy Choices New Jersey car insurance is unique because of
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: A Basic Policy is significantly cheaper but offers very little protection and excludes coverage for injuries you cause to others unless you pay extra for an endorsement. Most experts recommend a Standard Policy to protect personal assets. It often provides dividends (cash back) to policyholders
: Cities like Newark , Paterson , and Elizabeth typically see premiums 25%–30% higher than the state average. New Jersey's Basic Auto Insurance Policy - NJ.gov