What are the state minimum auto insurance limits in New Jersey?

Basic Policy

Property Damage Liability: $5,000 Limit

Personal Injury Protection: $15,000 Limit

Standard Policy

Bodily Injury Liability: $15,000/$30,000 Limit

Property Damage Liability: $5,000 Limit

Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit

Uninsured Motorist Property Damage: $5,000 Limit

Personal Injury Protection: $15,000 Limit

*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.

Getting car insurance in the State of New Jersey

As indicated, all coverage amounts listed are the minimum auto insurance requirements in the State of New Jersey to be legally able to drive.

However, you should assess your personal situation and verify if those coverage amounts are sufficient. If you have doubts, it is important to consult with licensed insurance agents in your area. If Spanish is your native language, try to get an insurance agent who can speak Spanish. They can guide you based on your preferences and convenience so you can cover all uninsured risks in the Compulsory Standard Policy.

Agents might explain you the insurance with practical and realistic examples the risks you could face, and the details of all the contents in your compulsory policy so you can decide if you feel a need for extra coverage on your car insurance. Complete this online form and be connected with an insurance agent in your local area.

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