Loading Loading: This choice drastically affects your premium. Selecting the "Limitation" option means you can only sue for pain and suffering if your injury is "serious" (e.g., permanent injury, displaced fracture, or death). Choosing "No Limitation" gives you an unrestricted right to sue but costs more.
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
: Top-rated for having the best selection of coverage add-ons like accident forgiveness. Average Costs : This choice drastically affects your premium
The average annual cost for full coverage in New Jersey is approximately in 2026, roughly 21% higher than the national average. As of , New Jersey has implemented the
: Often found through GEICO or NJM.
: Cities like Newark , Paterson , and Elizabeth typically see premiums 25%–30% higher than the state average. New Jersey's Basic Auto Insurance Policy - NJ.gov