Car Insurance in New Jersey

New Jersey differentiates between a Basic and Standard policy. Here’s how you can find the best policy for your needs.
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Car Insurance in New Jersey

New Jersey Insurance Coverage

New Jersey requires drivers to carry the following minimum coverage, which the state refers to as a “basic” policy:

  • $5,000 in property damage liability.
  • $15,000 in personal injury protection, or PIP, per person per accident.

Drivers can purchase a “standard” policy for additional coverage, but it’s not required. This policy includes:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • $15,000 in PIP per person per accident.
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Check out recent quotes Jerry customers have gotten for car insurance in New Jersey.

Date of Policy
Insurance Company
Monthly Quote
May 25, 2025 Bristol West $501
May 25, 2025 Progressive $221
May 25, 2025 Bristol West $295
May 25, 2025 Progressive $244
May 25, 2025 Bristol West $444
Last Updated May 27, 2025
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Annie Millerbernd, Apr 18, 2025