New Jersey Car Insurance
New Jersey's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
25/50/25
+ PIP (basic/standard)
Avg. full coverage
$2,100/yr
Liability system
choice
Estimate your New Jersey premium
Estimated annual premium
$1,380
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
New Jersey car insurance requirements
New Jersey offers a low-cost Basic policy and a Standard policy; it is a choice no-fault state with mandatory PIP.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
New Jersey car insurance FAQ
What is the minimum car insurance required in New Jersey?
New Jersey requires at least 25/50/25 in liability coverage + PIP (basic/standard) — that's $25k bodily injury per person, $50k per accident, and $25k property damage. New Jersey offers a low-cost Basic policy and a Standard policy; it is a choice no-fault state with mandatory PIP.
How much does car insurance cost in New Jersey?
Full-coverage car insurance in New Jersey averages roughly $2,100 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is New Jersey a no-fault state?
New Jersey is a choice no-fault state. You can choose between the no-fault system and full tort rights, which affects both your premium and your right to sue.
Why is car insurance priced the way it is in New Jersey?
New Jersey averages about $2,100/yr — roughly mid-pack. Your own rate swings far more on age, record, credit (where allowed), vehicle, and ZIP than on the state average, so always compare quotes.
What's the cheapest way to insure a car in New Jersey?
Carry at least the 25/50/25 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.