New Jersey Car Insurance


Like most of the other states, drivers in New Jersey are required to carry basic auto insurance. New Jersey has its own car insurance rules and regulations. These laws are there to protect drivers on the road. Do you want to learn how insurancemozo.com can save you money on your auto insurance in New Jersey? insurancemozo.com understands the value of important information necessary to find the Best New Jersey Car Insurance for you and thus presents below a detailed list of articles which will help you find the cheapest auto insurance rates in New Jersey.

All vehicles registered in New Jersey require three types of mandatory insurance:

  • Liability insurance pays others for damages that you cause if you are responsible for an accident. It does not cover medical expenses
  • Personal injury protection (PIP) pays medical expenses if you or other persons covered under your policy are injured in an automobile accident. Often called No Fault coverage, it pays your medical expenses if you were or were not at fault
  • Uninsured motorist coverage protects you if you are in an accident with someone who doesn’t have proper insurance coverage

What are the minimum New Jersey Car Insurance Requirements?

New Jersey drivers are required to carry a minimum amount of auto insurance coverage. Depending on various situations, there are two insurance options:

Basic Plan

Standard Plan

Basic Plan coverage includes:

$5,000 per accident for property damage. This coverage does not include the costs of repairing or replacing your car.
$15,000 per person per accident for personal injury protection (PIP) benefits.
$250,000 per person per accident in PIP benefits for certain serious injuries, such as brain or spinal cord injuries.
Standard Plan coverage includes:

$15,000 for injury/death for one person
$30,000 for injury death to more than one person
$5,000 for property damage
$15,000 Personal Injury Protection (PIP)
$15,000 for uninsured/underinsured motorist injury
It is worth mentioning here that if you do not have any liability coverage, you are responsible for paying for the pain, suffering and other personal hardships and some economic damages, such as lost wages, that you cause. The insurer will not provide or pay for a lawyer to represent you if you are sued.

Is New Jersey No Fault State?

New Jersey follows a “no-fault” system when it comes to auto accidents and insurance. This means that if you are involved in an accident, your insurance company will pay for any damages to you, regardless of who is at fault.

One key thing to note is that drivers in New Jersey have the option of choosing between no-fault and traditional car insurance.

For the drivers who choose traditional coverage option they can file a claim against other driver after accident. On the other hand drivers who choose no-fault option can file a lawsuit only if the accident resulted in dismemberment: significant disfigurement or significant scarring; displaced fractures; loss of a fetus; or permanent injury (other than scarring or disfigurement)

Is Uninsured/Underinsured Motorist Coverage required in New Jersey?

Suppose you carry certain car insurance policy and suddenly meet an accident in New Jersey. Now what will happen if the other party doesn’t carry car insurance policy? Who will pay for the claims of uninsured party?

In New Jersey drivers are required to carry this insurance coverage. It is available up to amounts selected for liability coverage. However this coverage is available only for “Basic Plan” coverage and is not a part of “Standard Plan” coverage

What kinds of car insurance discounts are available in New Jersey ?

Although car insurance in the state of New Jersey is a bit on higher side still there are many ways in which you can cut your insurance premium costs.

There are various discounts available in New Jersey such as Bundle Discount, where person bundles multiple cars, home, life and other insurances from same insurer, Safe driver discount, Safety equipment discounts, when your car has some security alarm or gps tracking device, new car discount , etc. Review all the discounts available in New Jersey and ask your insurer for the one you qualify.

How do I get a best Car Insurance Quote in New Jersey?

Your best option to find the most affordable car insurance coverage in New Jersey is to always start an auto insurance quote comparison search online. Just enter your ZIP code above to get FREE auto insurance quotes today.

Official websites links:

Note – We are not in any way contacted with the New Jersey Department Of Insurance. If you have any problem purchasing the car insurance policy please contact DOBI immediately.

Car insurance agents in New Jersey

Select your city from the list below to find local agents in your city:



-   Absecon Car Insurance Agents
-   Allendale Car Insurance Agents
-   Alpha Car Insurance Agents
-   Atlantic City Car Insurance Agents
-   Audubon Car Insurance Agents
-   Avenel Car Insurance Agents
-   Barnegat Car Insurance Agents
-   Barrington Car Insurance Agents
-   Basking Ridge Car Insurance Agents
-   Bayonne Car Insurance Agents
-   Beachwood Car Insurance Agents
-   Belleville Car Insurance Agents
-   Belmar Car Insurance Agents
-   Bergenfield Car Insurance Agents
-   Berkeley Heights Car Insurance Agents
-   Berlin Car Insurance Agents
-   Berlin Township Car Insurance Agents
-   Bernardsville Car Insurance Agents
-   Beverly Car Insurance Agents
-   Blackwood Car Insurance Agents
-   Blairstown Car Insurance Agents
-   Bloomfield Car Insurance Agents
-   Bloomingdale Car Insurance Agents
-   Boonton Car Insurance Agents
-   Bordentown Car Insurance Agents
-   Bradley Beach Car Insurance Agents
-   Branchburg Car Insurance Agents
-   Brick Car Insurance Agents
-   Bridgeton Car Insurance Agents
-   Bridgewater Twp Car Insurance Agents
-   Burlington Car Insurance Agents
-   Butler Car Insurance Agents
-   Caldwell Car Insurance Agents
-   Califon Car Insurance Agents
-   Camden Car Insurance Agents
-   Cape May Car Insurance Agents
-   Cape May Court House Car Insurance Agents
-   Carneys Point Car Insurance Agents
-   Cedar Grove Car Insurance Agents
-   Chatham Car Insurance Agents
-   Cherry Hill Car Insurance Agents
-   Chester Car Insurance Agents
-   Cinnaminson Car Insurance Agents
-   Cinnaminson Twp Car Insurance Agents
-   Clark Car Insurance Agents
-   Clayton Car Insurance Agents
-   Clementon Car Insurance Agents
-   Cliffside Park Car Insurance Agents
-   Clifton Car Insurance Agents
-   Clinton Twp Car Insurance Agents
-   Closter Car Insurance Agents
-   Collingswood Car Insurance Agents
-   Colonia Car Insurance Agents
-   Colts Neck Car Insurance Agents
-   Cranbury Car Insurance Agents
-   Cranford Car Insurance Agents
-   Dayton Car Insurance Agents
-   Delair Car Insurance Agents
-   Delran Car Insurance Agents
-   Denville Car Insurance Agents
-   Deptford Car Insurance Agents
-   Dumont Car Insurance Agents
-   Dunellen Car Insurance Agents
-   East Brunswick Car Insurance Agents
-   East Hanover Car Insurance Agents
-   East Orange Car Insurance Agents
-   East Rutherford Car Insurance Agents
-   Eatontown Car Insurance Agents
-   Echelon Car Insurance Agents
-   Edgewater Car Insurance Agents
-   Edison Car Insurance Agents
-   Egg Harbor City Car Insurance Agents
-   Egg Harbor Twp Car Insurance Agents
-   Elizabeth Car Insurance Agents
-   Elmer Car Insurance Agents
-   Elmwood Park Car Insurance Agents
-   Emerson Car Insurance Agents
-   Englewood Car Insurance Agents
-   Englewood Cliffs Car Insurance Agents
-   Englishtown Car Insurance Agents
-   Evesham Township Car Insurance Agents
-   Fair Lawn Car Insurance Agents
-   Fairfield Car Insurance Agents
-   Fairton Car Insurance Agents
-   Fairview Car Insurance Agents
-   Fanwood Car Insurance Agents
-   Far Hills Car Insurance Agents
-   Flanders Car Insurance Agents
-   Flemington Car Insurance Agents
-   Florham Park Car Insurance Agents
-   Fords Car Insurance Agents
-   Forked River Car Insurance Agents
-   Fort Lee Car Insurance Agents
-   Franklin Car Insurance Agents
-   Franklin Lakes Car Insurance Agents
-   Franklinville Car Insurance Agents
-   Freehold Car Insurance Agents
-   Frenchtown Car Insurance Agents
-   Galloway Car Insurance Agents
-   Garfield Car Insurance Agents
-   Gibbstown Car Insurance Agents
-   Gillette Car Insurance Agents
-   Glassboro Car Insurance Agents
-   Glen Rock Car Insurance Agents
-   Glendora Car Insurance Agents
-   Gloucester City Car Insurance Agents
-   Green Brook Car Insurance Agents
-   Greentree Car Insurance Agents
-   Hackensack Car Insurance Agents
-   Hackettstown Car Insurance Agents
-   Haddon Heights Car Insurance Agents
-   Hainesport Car Insurance Agents
-   Hamilton Car Insurance Agents
-   Hammonton Car Insurance Agents
-   Harrison Car Insurance Agents
-   Hasbrouck Heights Car Insurance Agents
-   Hawthorne Car Insurance Agents
-   Hazlet Car Insurance Agents
-   Hewitt Car Insurance Agents
-   Highland Park Car Insurance Agents
-   Highlands Car Insurance Agents
-   Hightstown Car Insurance Agents
-   Hillsborough Car Insurance Agents
-   Hillside Car Insurance Agents
-   Hoboken Car Insurance Agents
-   Holmdel Car Insurance Agents
-   Howell Car Insurance Agents
-   Irvington Car Insurance Agents
-   Iselin Car Insurance Agents
-   Jackson Car Insurance Agents
-   Jamesburg Car Insurance Agents
-   Jersey City Car Insurance Agents
-   Keansburg Car Insurance Agents
-   Kearny Car Insurance Agents
-   Kendall Park Car Insurance Agents
-   Kenilworth Car Insurance Agents
-   Keyport Car Insurance Agents
-   Lake Hopatcong Car Insurance Agents
-   Lakewood Car Insurance Agents
-   Lakewood Twp Car Insurance Agents
-   Lawrenceville Car Insurance Agents
-   Lebanon Car Insurance Agents
-   Leonia Car Insurance Agents
-   Lincroft Car Insurance Agents
-   Linden Car Insurance Agents
-   Lindenwold Car Insurance Agents
-   Little Egg Harbor Twp Car Insurance Agents
-   Little Falls Car Insurance Agents
-   Little Silver Car Insurance Agents
-   Livingston Car Insurance Agents
-   Lodi Car Insurance Agents
-   Long Beach Car Insurance Agents
-   Long Valley Car Insurance Agents
-   Lyndhurst Car Insurance Agents
-   Madison Car Insurance Agents
-   Magnolia Car Insurance Agents
-   Mahwah Car Insurance Agents
-   Manalapan Car Insurance Agents
-   Manasquan Car Insurance Agents
-   Manchester Car Insurance Agents
-   Manville Car Insurance Agents
-   Maple Shade Car Insurance Agents
-   Maplewood Car Insurance Agents
-   Marlboro Car Insurance Agents
-   Marlton Car Insurance Agents
-   Marmora Car Insurance Agents
-   Martinsville Car Insurance Agents
-   Matawan Car Insurance Agents
-   Mays Landing Car Insurance Agents
-   Maywood Car Insurance Agents
-   Medford Car Insurance Agents
-   Mercerville Car Insurance Agents
-   Merchantville Car Insurance Agents
-   Metuchen Car Insurance Agents
-   Middlesex Car Insurance Agents
-   Middletown Car Insurance Agents
-   Midland Park Car Insurance Agents
-   Millburn Car Insurance Agents
-   Millstone Twp Car Insurance Agents
-   Milltown Car Insurance Agents
-   Millville Car Insurance Agents
-   Monmouth Junction Car Insurance Agents
-   Monroe Car Insurance Agents
-   Monroe Twp Car Insurance Agents
-   Montague Twp Car Insurance Agents
-   Montclair Car Insurance Agents
-   Montvale Car Insurance Agents
-   Moorestown Car Insurance Agents
-   Moorestown Twp Car Insurance Agents
-   Morganville Car Insurance Agents
-   Morris Plains Car Insurance Agents
-   Morristown Car Insurance Agents
-   Mount Laurel Car Insurance Agents
-   Mountainside Car Insurance Agents
-   Mt Ephraim Car Insurance Agents
-   Mt Laurel Car Insurance Agents
-   Mullica Hill Car Insurance Agents
-   Neptune City Car Insurance Agents
-   Neptune Twp Car Insurance Agents
-   Netcong Car Insurance Agents
-   New Brunswick Car Insurance Agents
-   New Egypt Car Insurance Agents
-   New Milford Car Insurance Agents
-   New Providence Car Insurance Agents
-   Newark Car Insurance Agents
-   Newfoundland Car Insurance Agents
-   Newton Car Insurance Agents
-   North Arlington Car Insurance Agents
-   North Bergen Car Insurance Agents
-   North Brunswick Car Insurance Agents
-   North Haledon Car Insurance Agents
-   Northfield Car Insurance Agents
-   Norwood Car Insurance Agents
-   Nutley Car Insurance Agents
-   Oakhurst Car Insurance Agents
-   Oakland Car Insurance Agents
-   Oaklyn Car Insurance Agents
-   Ocean Car Insurance Agents
-   Ocean City Car Insurance Agents
-   Ocean Grove Car Insurance Agents
-   Old Bridge Car Insurance Agents
-   Oradell Car Insurance Agents
-   Palisades Park Car Insurance Agents
-   Paramus Car Insurance Agents
-   Park Ridge Car Insurance Agents
-   Parlin Car Insurance Agents
-   Parsippany Car Insurance Agents
-   Passaic Car Insurance Agents
-   Paterson Car Insurance Agents
-   Pennington Car Insurance Agents
-   Penns Grove Car Insurance Agents
-   Pennsauken Car Insurance Agents
-   Pennsauken Twp Car Insurance Agents
-   Pennsville Car Insurance Agents
-   Perth Amboy Car Insurance Agents
-   Phillipsburg Car Insurance Agents
-   Piscataway Car Insurance Agents
-   Pitman Car Insurance Agents
-   Plainfield Car Insurance Agents
-   Plainsboro Car Insurance Agents
-   Pleasantville Car Insurance Agents
-   Point Pleasant Car Insurance Agents
-   Pompton Lakes Car Insurance Agents
-   Pompton Plains Car Insurance Agents
-   Princeton Car Insurance Agents
-   Prospect Park Car Insurance Agents
-   Ramblewood Car Insurance Agents
-   Ramsey Car Insurance Agents
-   Randolph Car Insurance Agents
-   Raritan Car Insurance Agents
-   Red Bank Car Insurance Agents
-   Ridgefield Park Car Insurance Agents
-   Ridgewood Car Insurance Agents
-   Ringoes Car Insurance Agents
-   Ringwood Car Insurance Agents
-   River Edge Car Insurance Agents
-   Riverdale Car Insurance Agents
-   Riverside Car Insurance Agents
-   Riverton Car Insurance Agents
-   Robbinsville Car Insurance Agents
-   Rochelle Park Car Insurance Agents
-   Rockaway Car Insurance Agents
-   Roseland Car Insurance Agents
-   Roselle Park Car Insurance Agents
-   Runnemede Car Insurance Agents
-   Rutherford Car Insurance Agents
-   Saddle Brook Car Insurance Agents
-   Salem Car Insurance Agents
-   Scotch Plains Car Insurance Agents
-   Sea Bright Car Insurance Agents
-   Sea Girt Car Insurance Agents
-   Secaucus Car Insurance Agents
-   Sewell Car Insurance Agents
-   Short Hills Car Insurance Agents
-   Shrewsbury Car Insurance Agents
-   Sicklerville Car Insurance Agents
-   Somers Point Car Insurance Agents
-   Somerset Car Insurance Agents
-   Somerville Car Insurance Agents
-   South Orange Car Insurance Agents
-   South Plainfield Car Insurance Agents
-   South River Car Insurance Agents
-   Sparta Car Insurance Agents
-   Sparta Township Car Insurance Agents
-   Springfield Car Insurance Agents
-   Stewartsville Car Insurance Agents
-   Succasunna Car Insurance Agents
-   Summit Car Insurance Agents
-   Sussex Car Insurance Agents
-   Swedesboro Car Insurance Agents
-   Teaneck Car Insurance Agents
-   Tenafly Car Insurance Agents
-   Three Bridges Car Insurance Agents
-   Tinton Falls Car Insurance Agents
-   Toms River Car Insurance Agents
-   Totowa Car Insurance Agents
-   Trenton Car Insurance Agents
-   Turnersville Car Insurance Agents
-   Union Car Insurance Agents
-   Union City Car Insurance Agents
-   Ventnor City Car Insurance Agents
-   Vernon Township Car Insurance Agents
-   Verona Car Insurance Agents
-   Vineland Car Insurance Agents
-   Voorhees Car Insurance Agents
-   Voorhees Township Car Insurance Agents
-   Waldwick Car Insurance Agents
-   Wall Car Insurance Agents
-   Wall Township Car Insurance Agents
-   Waretown Car Insurance Agents
-   Warren Car Insurance Agents
-   Washington Township Car Insurance Agents
-   Watchung Car Insurance Agents
-   Wayne Car Insurance Agents
-   Wenonah Car Insurance Agents
-   West Berlin Car Insurance Agents
-   West Caldwell Car Insurance Agents
-   West Creek Car Insurance Agents
-   West Deptford Car Insurance Agents
-   West Long Branch Car Insurance Agents
-   West Milford Car Insurance Agents
-   West New York Car Insurance Agents
-   West Orange Car Insurance Agents
-   West Paterson Car Insurance Agents
-   Westfield Car Insurance Agents
-   Westmont Car Insurance Agents
-   Westville Car Insurance Agents
-   Westwood Car Insurance Agents
-   Williamstown Car Insurance Agents
-   Willingboro Car Insurance Agents
-   Willingboro Twp Car Insurance Agents
-   Wood-Ridge Car Insurance Agents
-   Woodbridge Car Insurance Agents
-   Woodbury Car Insurance Agents
-   Woodbury Heights Car Insurance Agents
-   Woodland Park Car Insurance Agents