The minimum car insurance requirements in New Jersey are: Bodily Injury Liability – $15,000 limit per person/$30,000 limit per accident; Basic policy: $10,000 for bodily injury. Personal Injury Protection – $15,000 limit (standard policy or basic policy). Property Damage Liability – $5,000 limit. Uninsured Motorist Coverage – 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. Underinsured Motorist Coverage – Grouped with uninsured motorist coverage.

Typically, you will be granted 7-30 days to get car insurance for a new car in NJ.

Driving without insurance is a serious offense in NJ. If you are convicted of driving without insurance, you will be subject to fines between $300-$1,000.