New Jersey Car Insurance

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New Jersey Car Insurance Coverage Information

In New Jersey you are legally required to have these minimum coverages:

Liability

Bodily Injury $15,000 per person
Bodily Injury $30,000 per accident
Property Damage $5,000 per accident

Personal Injury Protection

$15,000 per person

Uninsured/Underinsured Motorist

Bodily Injury $15,000 per person
Bodily Injury $30,000 per accident
Property Damage $5,000 per accident


Liability coverage is legally required in New Jersey and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In New Jersey, the minimum coverage is listed as 15/30/5 and explained below:

  • $15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault.

PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident.

In New Jersey, the minimum PIP coverage limit is $15,000 per person.

Uninsured/Underinsured Motorist coverage is legally required in New Jersey and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault.

The coverage limits are determined by each individual state and normally split into two categories.

In New Jersey, the minimum is listed as 15/30 and explained below:

  • $15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
  • $5,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured driver.

Most people opt for higher amounts of auto insurance coverage than the New Jersey minimum in order to protect themselves in case of an accident.

Did you know this about the Garden State?

New Jersey is ranked #30 in the US for uninsured drivers
I'm From New Jersey is the only state song that is adaptable to any municipality with a two or three syllable name.
You can use digital insurance cards in New Jersey
New Jersey has a spoon museum featuring over 5,400 spoons from every state and almost every country.
Licensed drivers
68%
Uninsured drivers
18%
Population
318m

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