Beat your car insurance rates Cheapest rates from $19 in New Jersey

New Jersey is the fourth-smallest state in America, but it ranks eleventh for population, packing roughly 9 million people into 8,723 square miles. This means there are a lot of drivers on the road — and a lot of opportunities for car accidents. New Jersey is a no-fault state, which means that if you are in a car accident, you’re responsible for paying your own medical expenses — no matter who caused the accident. You’ll want to be sure your insurance policy includes Personal Injury Protection or PIP coverage to handle those potential bills.

But finding the best car insurance in New Jersey isn’t just about protecting yourself from car accidents. It’s also about protecting your car from environmental damage. New Jersey is a coastal state, which means it is prone to hurricanes. The best New Jersey auto insurance providers also offer coverage to help you repair or replace your car after the next big storm.

New Jersey Minimum Liability

Unlike most states, New Jersey offers drivers two minimum insurance coverage options: a basic policy and a standard policy. The basic policy is less expensive than the standard policy, but you also get less coverage (which means that if you are in an accident, you could end up paying more out-of-pocket).

Here are the minimum insurance requirements for each policy:

Basic Policy

  • $5,000 property damage coverage per accident
  • $15,000 personal injury coverage per person/accident

Standard Policy

  • $15,000 bodily injury coverage per person
  • $30,000 bodily injury coverage per accident
  • $5,000 property damage coverage per accident
  • $15,000 personal injury coverage per person/accident