New Jersey Car Insurance Rates - Auto Insurance Quotes in NJ New Jersey's State motto: "Liberty and prosperity"
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State Insurance Requirements
New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.
New Jersey Coverage:Basic PolicyProperty Damage Liability: $5,000 LimitPersonal Injury Protection: $15,000 LimitStandard PolicyBodily Injury Liability: $15,000/$30,000 LimitProperty Damage Liability: $5,000 LimitUninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 LimitUninsured Motorist Property Damage: $5,000 LimitPersonal Injury Protection: $15,000 Limit*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.
The state of New Jersey follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).
New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.
New Jersey Coverage:Basic PolicyProperty Damage Liability: $5,000 LimitPersonal Injury Protection: $15,000 LimitStandard PolicyBodily Injury Liability: $15,000/$30,000 LimitProperty Damage Liability: $5,000 LimitUninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 LimitUninsured Motorist Property Damage: $5,000 LimitPersonal Injury Protection: $15,000 Limit*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.
The state of New Jersey follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).
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