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New Jersey Auto Insurance Requirements

In New Jersey it is required by state law that you maintain a minimum bodily injury liability limit of $15,000 per person, $30,000 per accident, and $5,000 property damage limit.

New Jersey Auto Insurance Coverage Minimum Limits:
Bodily Injury(BI) $15,000/$30,000 - Property Damage(PD) $5,000
Uninsured/Underinsured: (BI) $15,000/$30,000 - (PD) $5,000
Personal Injury Protection: $15,000 Limit

New Jersey is a Choice No-Fault system meaning you have the option reject the No-Fault system and retain the right to sue (Tort system) for vehicle related injury.

New Jersey state law requires you to have Uninsured/Underinsures Motorist coverage to protect against damages caused to you and your passengers by an Uninsured/Underinsured driver in the amount of $15,000 per person up to a total of $30,000 per accident for any bodily injury and $5,000Property Damage. You are also required to buy Personal Injury Protection (PIP) to pay for medical expenses in the amount of up to $15,000.

When completing a quote with, you will find that our coverage page allows you the option to select coverages that match your personal needs, you can customize each and every deductible or limit. If you are uncertain of a particlular limit to choose, you will always have the option to make a change to your coverages before you buy your policy.

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