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.
Depending on your vehicle and budget, state-mandated minimum coverage may not be enough car insurance to protect your finances. Many drivers opt for full coverage car insurance, which includes coverage for your vehicle, regardless of fault, and provides protection in the case of a natural disaster, theft or vandalism. Compare quotes for multiple coverage levels and from different insurers to find the right policy at the best rate.
Car insurance by city in New Jersey (June 2025)
Cheap Car Insurance in New Jersey for June 2025
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Best Car Insurance in New Jersey for June 2025
Geico is the best car insurance company in New Jersey, according to Jerry's editorial analysis.
Cheap Car Insurance in Newark, NJ
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Cheap Car Insurance in Jersey City
Comparing quotes from multiple insurers can help Jersey City drivers find affordable car insurance.
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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
|
|---|---|---|
| June 22, 2025 | Progressive | $232 |
| June 22, 2025 | Progressive | $112 |
| June 22, 2025 | Bristol West | $248 |
| June 22, 2025 | Bristol West | $238 |
| June 22, 2025 | Bristol West | $196 |
Last Updated Jun 24, 2025
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State of New Jersey resources
