Things got complicated when a delivery van tapped Marco’s bumper on a rainy Tuesday. Because New Jersey is a , Marco didn't have to argue on the street about who was to blame; he simply filed a claim with his own insurer to cover his medical costs and minor repairs. However, he learned a few "Jersey truths" along the way:
Marco opened his mail to find his rates had jumped by over 10% for 2026, a trend hitting drivers across the state. Like many, he was feeling the squeeze from New Jersey's recent mandate that raised minimum liability coverage limits to $25,000 per person, with another hike to $35,000 scheduled for January 2026. nj auto insurance
Meet Marco, a lifelong resident of Jersey City who just got a reminder that living in the Garden State comes with a "Garden State tax"—his new car insurance premium. Things got complicated when a delivery van tapped
AI responses may include mistakes. For financial advice, consult a professional. Learn more NJDOBI | Controlling the Cost of Auto Insurance - NJ.gov Like many, he was feeling the squeeze from
In the end, Marco managed to find a policy that balanced his budget with the protection he needed for the busy Turnpike commutes.
: Even though the accident wasn't his fault, he worried his rates might still tick up. Insurers sometimes raise premiums after any claim because it changes a driver's "risk profile". Finding the Silver Lining
