Car insurance requirements 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 required for auto insurance in New Jersey; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection.
- 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
- 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
- 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)
