New Jersey Auto Insurance Regulations

New Jersey car insurance is required by law in this state. In order to get the most affordable quote for insurance in this state, you can request either the Basic or Standard Policy with these minimum limits:

The Basic Policy includes:

No coverage for bodily injury but a $10,000 limit is optional
$5,000 for property damage
$15,000 for personal injury protection (PIP) and $250,000 for permanent/significant injury

The Standard Policy includes:

$15,000 for bodily injury per person
$30,000 for bodily injury per accident for more than one person
$5,000 for property damage
$15,000 for uninsured/underinsured motorist bodily injury per person
$30,000 for uninsured/underinsured motorist bodily injury per accident for more than one person
$5,000 for property damage caused by an uninsured motorist
$250,000 for personal injury protection (PIP)