New Jersey car insurance requirements
Every driver in New Jersey must carry at least this coverage. It’s a “choice no-fault” state: you choose limited or full tort when you buy your policy.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $35,000 per person / $70,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $15,000 per person |
| Uninsured/underinsured motorist | $35,000 per person / $70,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What New Jersey drivers should know
- New Jersey raised the minimums for a standard policy to 35/70/25 in 2026. A lower-cost “basic” policy is also available, with much less protection.
- When you buy a policy you choose a lawsuit option: “limitation on lawsuit” costs less but restricts suits for pain and suffering; “no limitation” keeps your full right to sue.
Home insurance in New Jersey
- Coastal homes face hurricanes and nor’easters, and policies near the shore often use separate wind or hurricane deductibles.
- Winter storms, frozen pipes and ice dams cause many claims inland.
Ways to save in New Jersey
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.