Insurance New Jersey | Auto

$15,000 minimum (can be increased up to $250,000).

$35,000 per person and $70,000 per accident. Property Damage Liability: $25,000 per accident. auto insurance new jersey

The most common choice. It offers customizable coverage, higher liability limits, and the option to add comprehensive and collision protection. $15,000 minimum (can be increased up to $250,000)

A lower-cost "safety net" designed for those with few assets. It provides very limited coverage ($5,000 for property damage and $15,000 for PIP) and typically does not include bodily injury liability or UM/UIM unless added as options. Best and Most Affordable Carriers in NJ The most common choice

While rates vary based on your driving record and zip code, several companies consistently rank well for both service and pricing in the Garden State. New Jersey's Basic Auto Insurance Policy - NJ.gov

New Jersey drivers generally choose between two primary policy structures: