Getting car insurance in New Jersey
Finding the right car insurance for you means staying up to date on New Jersey requirements. The table below lists the coverages and minimum coverage limits that are required in New Jersey. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
Not in New Jersey? Check your state requirements to determine your auto insurance needs.
New Jersey car insurance state minimums
|
Coverage type
|
State requirements
|
|---|---|
|
Bodily injury liability |
Standard policy: $25,000 limit per person/$50,000 limit per accident Basic policy: $10,000 for bodily injury |
|
Property damage liability |
Standard policy: $25,000 limit Basic policy: $5,000 limit |
|
Uninsured motorist |
Standard policy: $25,000 limit per person/$50,000 limit per accident Basic policy: not available Property damage standard policy: $25,000 limit Basic policy: not available |
|
Underinsured motorist |
Grouped with uninsured motorist coverage.
|
|
Personal injury protection |
$15,000 limit (standard policy or basic policy)
|
|
Collision |
Not required¹
|
|
Comprehensive |
Not required¹
|
Insurance coverage is subject to the coverage limits stated in your policy.
¹Although New Jersey law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Other types of car insurance coverage in New Jersey
Allstate also offer these other types of car insurance coverage:
- Roadside coverage
- Ride For Hire®
- Rental reimbursement coverage or transportation expense coverage
Learn about these and other car insurance coverage types available.
New Jersey car insurance discounts
It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for New Jersey auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy / bundling discount
- New car discount
- Early Signing Discount®
- Responsible payer discount
- Good student discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
New Jersey auto insurance bundling discounts
Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you money. You can also earn an auto and renters bundle discount when you purchase coverage for both your vehicle and your rented home. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.
How much does an auto insurance policy cost in New Jersey?
According to Bankrate the average annual cost of car insurance in New Jersey is $2,563 for full coverage. For a minimum coverage policy, the average annual cost is $1,030.
Some factors that impact your car insurance rates in New Jersey
In addition to selecting the coverages, limits and deductibles that’s right for you, these factors could also affect your car insurance rates in New Jersey:
- The type of car you’re insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like zip code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.
New Jersey’s rules on electronic proof of insurance
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In New Jersey, you are allowed to show an electronic copy of your insurance card on your mobile device.
You can use the Allstate mobile app to access a digital ID card.
Additional resources for New Jersey drivers
Is New Jersey a no-fault state for car insurance?
Yes, New Jersey is a no-fault car insurance state which means all drivers are required to have Personal Injury Protection (PIP) as part of their insurance policy. This covers medical expenses, lost wages, and other costs related to an accident regardless of who’s at fault.