Auto Insurance in New Jersey

Strategies to help you cut costs on car insurance in New Jersey

Car insurance in New Jersey, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, New Jersey car insurance isn't just something that drivers in the "Garden State" should have; it's something they must have.

New Jersey auto insurance doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in New Jersey, you need car insurance in New Jersey. Here's what kind and how much, according to New Jersey state law:

1. When buying auto insurance in New Jersey, drivers must purchase property damage liability (PDL), personal injury protection (PIP) and uninsured motorist (UM) coverage; collision, comprehensive and uninsured property damage coverage are recommended, but not required.
2. While New Jersey auto insurance is mandatory, state law does not specify minimum coverage. Still, the state recommends PDL coverage of at least $5,000 per accident and PIP coverage of at least $15,000 per person, per accident, up to $250,000 for permanent or significant injury.
3. In New Jersey, auto insurance comes in two types: The “Basic” policy, which includes only the minimum coverage as required by state law, and the “Standard” policy, which includes extra coverage -- including bodily injury liability (BIL) -- and higher coverage limits.

Browse NJ auto insurance rates online

If you need New Jersey auto insurance, online quotes are a good starting point. Available from all major New Jersey auto insurance companies, they offer a fast and convenient way to research and compare premiums.

Solicit NJ car insurance quotes from national providers

Most major car insurance carriers offer auto insurance in New Jersey and all provide competitive New Jersey car insurance rates.

Get car insurance in New Jersey from local and regional companies

In New Jersey, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.

Use an independent agent to find New Jersey car insurance bargains

Buying car insurance in New Jersey via an independent insurance agent can expose you to new resources, practical advice and special rates.

Choose NJ auto insurance companies that you can trust

Before doing business with New Jersey car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.

• Consider buying more coverage than is required by state law; minimum New Jersey car insurance might not be enough to cover car repairs or medical bills after an accident.
• Penalties for drivers who don't have New Jersey car insurance include driver's license and license plate suspension, cash fines and even jail time.
• If you're leasing or financing your car, dealerships might require you to have more and better New Jersey auto insurance than is required by state law.
• Higher deductibles typically mean lower premiums and more monthly savings on auto insurance in New Jersey.

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