New Jersey Car Insurance Requirements
Numbers refreshed
The smallest amount of cover each New Jersey driver is required to have, and what that cover pays for.
- $94.what liability costs each month on average.
- 35/70/25.Liability limits set at the minimum.
- Among 51 states, this is 7th for cost.(1st = highest).
What the state of New Jersey requires
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $35,000 |
| Bodily injury, per crash | $70,000 |
| Property damage, per crash | $25,000 |
| Personal injury protection | Required, $15,000 |
| Uninsured motorist | Required |
| Underinsured motorist | Required |
| Fault system | No-fault |
Source: New Jersey DOBI, Standard Policy; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the numbers pay for
New Jersey sets 35/70/25 as the minimum liability coverage. Limits reach $35,000 for an injured person, $70,000 for everyone injured in one crash and $25,000 for other people's property damage.
Both medical bills and the cost of a newer car often exceed these limits. Claims may be made against you for anything above these limits, so many drivers choose 100/300/100 instead. A liability policy in New Jersey averages $1,133 a year.
Driving with no insurance
In New Jersey, driving uninsured can cost you your license and registration. Getting both back may mean filing proof of insurance for several years.
Send your questions to the New Jersey Motor Vehicle Commission (NJ MVC).
More car insurance topics in New Jersey
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