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New Jersey Auto Insurance Facts

We’ll make you feel more prepared driving in New Jersey.

The state minimum auto insurance coverage in New Jersey:

Liability Coverage

Minimum

Description

Bodily Injury Per Person $15,000 Each person you injured in an accident that you cause would receive $15,000, up to your policy limit.
Bodily Injury Per Accident $30,000 The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident $5,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

 

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

Uninsured/Underinsured Motorist

Minimum

Description

Bodily Injury Per Person $15,000 The maximum your insurance would pay for your injuries or your passengers injuries in the event of an accident involving an uninsured or underinsured driver.
Bodily Injury Per Accident $30,000 The maximum your insurance would pay out per accident involving an underinsured or uninsured driver.
Property Damage Per Accident $5,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

 

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

Personal Injury Protection (PIP)

Minimum

Per Person $15,000

 

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.

 

Other types of auto insurance you can add to your policy are:

 

COLLISION COVERAGE

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

 

COMPREHENSIVE COVERAGE

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

 

MEDICAL PAYMENTS

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.

 

MAX SPEED LIMIT
65 MPH
MILES OF HIGHWAY
85,557
DUI LEGAL LIMIT
0.08
WEIRD DRIVING LAWS IN STATE

WEIRD DRIVING LAWS IN STATE

TEXTING LAWS

TEXTING LAWS

Illegal to text and drive

Hand-held cell phone use is illegal

Under 21 banned from all cell phone use

MOST STOLEN VEHICLES

MOST STOLEN VEHICLES

  1. 2000 Honda Civic
  2. 1994 Honda Accord
  3. 2000 Dodge Caravan
  4. 2000 Jeep Cherokee/Grand Cherokee
  5. 1991 Toyota Camry
  6. 1998 Nissan Maxima
  7. 1995 Acura Integra
  8. 1998 Plymouth Voyager
  9. 2007 Toyota Corolla
  10. 2000 Dodge Intrepid

RAINFALL
47.1
SNOWFALL
23.7
DAYS OF SNOWFALL
8.7
POPULAR CITIES

POPULAR CITIES

Trenton
Newark

SCENIC DRIVES

SCENIC DRIVES

Route 49

Delaware River Scenic Byway (Route 29)

STATE PARKS

STATE PARKS

Island Beach State Park

Liberty State Park

High Point State Park