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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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.
Car insurance by city in New Jersey (May 2025)
Best Car Insurance in New Jersey for May 2025
Geico is the best car insurance company in New Jersey, according to Jerry's editorial analysis.
Cheap Car Insurance in Newark, NJ
Compare quotes from multiple insurance companies to find affordable coverage in Newark.
Cheap Car Insurance in Jersey City
Comparing quotes from multiple insurers can help Jersey City drivers find affordable car insurance.
Cheap Car Insurance in New Jersey for May 2025
Compare quotes from 50+ insurers to find the cheapest car insurance in New Jersey.
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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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State of New Jersey resources
