Car Insurance Jersey New Link

: A Basic Policy is significantly cheaper but offers very little protection and excludes coverage for injuries you cause to others unless you pay extra for an endorsement. Most experts recommend a Standard Policy to protect personal assets.

As of , New Jersey has implemented the second phase of a plan to increase mandatory minimum liability limits. Most drivers choose a Standard Policy , which now requires higher limits than previous years. Coverage Type Standard Policy Minimum (2026) Basic Policy (Minimum) Bodily Injury (BI) $35,000 / $70,000 Not included standard (optional $10,000) Property Damage (PD) PIP (Medical) $15,000 (up to $250,000 for brain/spinal injuries) $15,000 (up to $250,000 for catastrophic) UM/UIM Matches BI limits ($35,000 / $70,000) Key Policy Choices car insurance jersey new

: Best for budget-conscious shoppers and known for a wide range of discounts and strong digital tools. : A Basic Policy is significantly cheaper but

The average annual cost for full coverage in New Jersey is approximately in 2026, roughly 21% higher than the national average. Most drivers choose a Standard Policy , which

New Jersey car insurance is unique because of its , which requires all drivers to carry Personal Injury Protection (PIP) to cover their own medical bills regardless of who caused the accident. Mandatory Minimum Requirements

: You can choose to make your Health Insurance primary for auto-related injuries to save on premiums, but ensure your health plan doesn't exclude auto accidents. Top Rated Providers in New Jersey (2026)

: Consistently ranked #1 for customer satisfaction in NJ. It often provides dividends (cash back) to policyholders when the company performs well.