New Jersey Car Insurance - Auto Insurance Quote in NJ

Motorists in New Jersey have been served by CarInsurance.com for their insurance needs for many years. It just makes sense in the state known for the New Jersey Turnpike, a toll road that's among the most heavily traveled highways in the entire country.

Current average car insurance premium in New Jersey	$2,321.20
Current average car insurance premium U.S.	$1,446.49

Average premiums in New Jersey cities

Newark	$3,126.96
Jersey City	$2,579.57
Check out our car insurance rates in more New Jersey cities

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New Jersey motorists already pay a lot more than most U.S. drivers do, but on top of that, insurance rates can fluctuate from month to month. CarInsurance.com's Average Premium Trend Tool shows monthly trends throughout the great state of New Jersey - just move your mouse over the points to get the relevant facts.
The reasons for turning to CarInsurance.com are clear: we have many major carriers to address your individual insurance needs by providing all New Jersey drivers with valuable information, including what the state legally requires for coverage.
New Jersey Car Insurance Requirements New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.
Minimum Required Insurance Coverage in New Jersey*
Basic Policy
Property Damage Liability: $5,000 Limit
Personal Injury Protection: $15,000 Limit
Standard Policy
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
Uninsured Motorist Property Damage: $5,000 Limit
Personal Injury Protection: $15,000 Limit
*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury. he state of New Jersey follows a Choice No-Fault system, meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
A Minimum State Required package is the initial option at CarInsurance.com, but you can also go further and design your own package with liability and other limits, as well as deductibles, that match your needs. Insurance agents are available with answers when you have questions.