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.
Compare New Jersey rates with Jerry
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 (July 2025)
Cheap Car Insurance in Jersey City
Comparing quotes from multiple insurers can help Jersey City drivers find affordable car insurance.
Cheap Car Insurance in Newark, NJ
Compare quotes from multiple insurance companies to find affordable coverage in Newark.
Best Car Insurance in New Jersey for July 2025
Geico is the best car insurance company in New Jersey, according to Jerry's editorial analysis.
Cheap Car Insurance in New Jersey for July 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
|
|---|---|---|
| June 29, 2025 | Progressive | $546 |
| June 29, 2025 | Progressive | $1,268 |
| June 29, 2025 | Progressive | $89 |
| June 29, 2025 | Progressive | $161 |
| June 29, 2025 | Progressive | $331 |
Last Updated Jul 1, 2025
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State of New Jersey resources
