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.
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.
Check out recent quotes Jerry customers have gotten for car insurance in New Jersey.
|
Date of Policy
|
Insurance Company
|
Monthly Quote
|
|---|---|---|
| July 11, 2025 | Progressive | $457 |
| July 11, 2025 | Progressive | $254 |
| July 11, 2025 | Bristol West | $332 |
| July 11, 2025 | Progressive | $155 |
| July 11, 2025 | Bristol West | $247 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
