: Often found through GEICO or NJM.
: This choice drastically affects your premium. Selecting the "Limitation" option means you can only sue for pain and suffering if your injury is "serious" (e.g., permanent injury, displaced fracture, or death). Choosing "No Limitation" gives you an unrestricted right to sue but costs more.
: Cities like Newark , Paterson , and Elizabeth typically see premiums 25%–30% higher than the state average. New Jersey's Basic Auto Insurance Policy - NJ.gov
As of , New Jersey has implemented the second phase of a plan to increase mandatory minimum liability limits. Most drivers choose a Standard Policy , which now requires higher limits than previous years. Coverage Type Standard Policy Minimum (2026) Basic Policy (Minimum) Bodily Injury (BI) $35,000 / $70,000 Not included standard (optional $10,000) Property Damage (PD) PIP (Medical) $15,000 (up to $250,000 for brain/spinal injuries) $15,000 (up to $250,000 for catastrophic) UM/UIM Matches BI limits ($35,000 / $70,000) Key Policy Choices
: You can choose to make your Health Insurance primary for auto-related injuries to save on premiums, but ensure your health plan doesn't exclude auto accidents. Top Rated Providers in New Jersey (2026)
: Top-rated for having the best selection of coverage add-ons like accident forgiveness. Average Costs
: Often found through GEICO or NJM.
: This choice drastically affects your premium. Selecting the "Limitation" option means you can only sue for pain and suffering if your injury is "serious" (e.g., permanent injury, displaced fracture, or death). Choosing "No Limitation" gives you an unrestricted right to sue but costs more. car insurance jersey new
: Cities like Newark , Paterson , and Elizabeth typically see premiums 25%–30% higher than the state average. New Jersey's Basic Auto Insurance Policy - NJ.gov : Often found through GEICO or NJM
As of , New Jersey has implemented the second phase of a plan to increase mandatory minimum liability limits. Most drivers choose a Standard Policy , which now requires higher limits than previous years. Coverage Type Standard Policy Minimum (2026) Basic Policy (Minimum) Bodily Injury (BI) $35,000 / $70,000 Not included standard (optional $10,000) Property Damage (PD) PIP (Medical) $15,000 (up to $250,000 for brain/spinal injuries) $15,000 (up to $250,000 for catastrophic) UM/UIM Matches BI limits ($35,000 / $70,000) Key Policy Choices Choosing "No Limitation" gives you an unrestricted right
: You can choose to make your Health Insurance primary for auto-related injuries to save on premiums, but ensure your health plan doesn't exclude auto accidents. Top Rated Providers in New Jersey (2026)
: Top-rated for having the best selection of coverage add-ons like accident forgiveness. Average Costs