{"id":36697,"date":"2025-11-26T15:04:00","date_gmt":"2025-11-26T20:04:00","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=36697"},"modified":"2025-12-11T11:33:24","modified_gmt":"2025-12-11T16:33:24","slug":"how-much-is-car-insurance-in-new-jersey","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/how-much-is-car-insurance-in-new-jersey","title":{"rendered":"How much is car insurance in New Jersey?"},"content":{"rendered":"\n

Need to know how much is car insurance in NJ? We\u2019re here to help. Here\u2019s everything you need to know about the cost of car insurance in New Jersey, what coverages you need and how you can save money.<\/p>\n\n\n\n

How much is car insurance in NJ?<\/h2>\n\n\n\n

The price of your car insurance policy will mainly come down to which coverages you choose and their limits. The coverage limit is the maximum amount your insurance carrier could pay up to in the event of a claim.<\/p>\n\n\n\n

In New Jersey, car insurance is mandatory. For a standard policy, you must carry the following coverages at these limits:<\/p>\n\n\n\n

Required Coverage (Standard Policy)<\/strong><\/td>Minimum Limit (2023)<\/strong><\/td><\/tr>\n\n
Bodily Injury Liability<\/td>$25,000 per person \/ $50,000 per accident<\/td><\/tr>\n\n
Property Damage Liability<\/td>$25,000 per accident<\/td><\/tr>\n\n
Personal Injury Protection<\/td>$15,000 per accident<\/td><\/tr>\n\n
Uninsured\/Underinsured Motorists<\/td>$25,000 per person \/ $50,000 per accident<\/td><\/tr><\/table><\/div>\n\n\n\n

Bodily injury liability Coverage<\/strong><\/h3>\n\n\n\n

This protects you if you’re responsible for injuring someone in a car accident. This coverage can help pay for the injured party’s medical expenses, lost wages and pain and suffering. It may also help pay your expenses in a related lawsuit. You need at least $25,000 of coverage per person and $50,000 per accident in NJ.<\/p>\n\n\n\n

Property damage liability coverage<\/strong><\/h3>\n\n\n\n

This protects you if you are responsible for damaging someone else’s property in a car accident. This coverage helps reimburse another person for their damaged property (such as a car or a fence). It also helps pay your expenses in the event of a related lawsuit. There\u2019s a minimum limit of $25,000 per accident for NJ insurance policies.<\/p>\n\n\n\n

Personal Injury Protection (PIP)<\/strong><\/h3>\n\n\n\n

New Jersey is a no-fault state, which means your PIP coverage pays for your medical expenses resulting from an accident, regardless of who was at fault. In NJ, you need at least $15,000 of Personal Injury Protection.<\/p>\n\n\n\n

This is different from Liability coverage, which covers bodily injury and property damage you cause to another driver or their passengers when you\u2019re at fault.<\/p>\n\n\n\n

Uninsured and underinsured motorist coverage (UM\/UIM)<\/strong><\/h3>\n\n\n\n

This coverage helps pay medical costs and other related expenses when you or one of your passengers is injured in an accident caused by a driver who doesn’t have enough car insurance (is underinsured) or who doesn’t have any coverage (is uninsured). UM\/UIM also pays for injuries caused by a hit-and-run accident.<\/p>\n\n\n\n

It may also pay for damages to your car, however the driver of the hit-and-run vehicle must be identified before UM\/UIM can cover repairs for your car. Otherwise, your optional collision<\/a> coverage will help pay for damages from an unidentified driver if you have it.<\/p>\n\n\n\n

Full coverage<\/h2>\n\n\n\n

New Jersey does not require coverage for damages to your own vehicle. However, these may be required as a term of a loan or lease on the car.<\/p>\n\n\n\n