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Affordable car insurance in New Jersey

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Helping New Jersey residents find affordable insurance

You’re one-of-a-kind. Your insurance should be too. Our quiz is designed to help you find insurance that meets your unique needs at a price you can afford.

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Coverage type & requirements in New Jersey

New Jersey requires five types of car insurance coverage: bodily injury liability, property damage liability, uninsured motorist coverage, underinsured motorist coverage, and personal injury protection. However, many drivers choose to purchase additional coverage types, such as collision coverage, to help cover certain costs associated with different types of accidents.

Additionally, if you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in New Jersey. 

It’s important for residents to know car insurance requirements in New Jersey. The following are the coverage types and limit amounts New Jersey requires; however, these minimums are just a starting point. You may want to consider increasing your coverage limits or purchasing additional coverage for further protection.

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Bodily Injury Liability

To cover injury or death related expenses in an accident when you’re at fault – Standard policy: $15,000 limit per person/$30,000 limit per accident; Basic policy: $10,000 for bodily injury

Personal Injury Protection

To cover medical or funeral expenses if you and/or your passengers are hurt in an accident – $15,000 limit (standard policy or basic policy)

Property Damage Liability

To cover property damage expenses in an accident when you’re at fault – $5,000 limit (standard policy or basic policy)

Uninsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have any car insurance – Standard policy: Required (uninsured motorist bodily injury coverage and uninsured motorist property damage coverage). Coverage is available up to the amounts selected for liability coverage. Basic policy: Not required

Underinsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have enough liability insurance – Grouped with uninsured motorist coverage

How to get affordable car insurance in New Jersey

New Jersey is home to Atlantic City, and Atlantic City is home to the world’s longest boardwalk, giving the state’s residents something to brag about. Another interesting fact about Atlantic City is that the game Monopoly used street names from the city for the infamous board game. 

Whether you’re thinking about moving to New Jersey or have called it home for a long time, you need car insurance. All drivers are required to carry certain types of auto insurance in New Jersey. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in New Jersey. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Why is New Jersey auto insurance important?

First, New Jersey car insurance is required by the state and driving without it can result in fines, license suspension, insurance surcharges, and community service. It is important to have the minimum required auto insurance in New Jersey and keep it up to date without a lapse in coverage. 

Another vital reason to have car insurance in New Jersey is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in New Jersey.

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What other factors impact your auto insurance rate?

The state you live in is only one of the factors that may impact your car insurance rate.  Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.  

Factors that can impact your quoted rates include: 

  • Your demographics including your age, home ownership, marriage status, and more 
  • Your driving history including how long you’ve been driving, traffic violations, and more 
  • Your car including make, model, and year 
  • Your zip code, or where you live within your state 
  • How much coverage you want

The best insurance rates in New Jersey

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About Rate Retriever

At Rate Retriever, our mission is to create the best possible experience for people who are searching for new insurance. So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the inaccuracy of quote prices – and threw it out the window, favoring a short form that matches you with top providers for your unique needs.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to serve as an insurance marketplace, allowing you to compare insurance companies to find one that meets your unique needs at a price you can afford.

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence the information we provide.