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 operates under a , meaning your own insurance typically pays for your medical expenses regardless of who caused the accident. For a Standard Policy renewing in 2026, the law now mandates the following minimums:
$15,000 minimum (can be increased up to $250,000).
The most common choice. It offers customizable coverage, higher liability limits, and the option to add comprehensive and collision protection.
$35,000 per person and $70,000 per accident. Property Damage Liability: $25,000 per accident.
Navigating Auto Insurance in New Jersey (2026) Auto insurance is mandatory for every vehicle registered in New Jersey . Driving without it can lead to severe penalties, including fines, license suspension, and potential jail time. As of , the state has implemented the second phase of a multi-year plan to increase minimum liability limits to better reflect modern medical and repair costs. Mandatory Minimum Requirements (2026)
Must match your liability limits ($35k/$70k minimum). Choosing Your Policy Type
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