New Jersey Car Insurance

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Here's what you need to know...
  • New Jersey has low minimum requirements for car insurance
  • The legal requirements may not be adequate coverage for your needs
  • Choose from a variety of car insurance providers in New Jersey

According to state laws, New Jersey has a minimum car insurance rate of 15/30/5. That probably sounds like a foreign language, but simply means that you are required to have:
  • $15,000 per person for injury
  • $30,000 per accident for injury
  • $5,000 property damage

Additionally, New Jersey is a no-fault state, which means you must have both personal injury protection and uninsured motorist coverage.

The limits are among the lowest in the nation, but that’s all that the state requires people to have.

Enter your zip code in to start comparing car insurance quotes from many different companies!

How much coverage is enough?


If you have $5,000 of coverage for property damage, and you are cited in an accident where a $15,000 car is totaled and you are responsible for replacing $3,000 worth of public or private property that was involved in the crash, your minimum coverage won’t foot the bill.

You’ll be $13,000 in debt and in most cases, you’ll get sued for that money. People won’t just wait until you can pay.

This is why it’s always better to have more insurance.

A more reasonable level of coverage would be 100/300/25. That’s $100,000 per person for injury, $300,000 per accident for injury, and $25,000 for property damage.

In most states, 100/300/25 is higher than full coverage but will not cost more for your monthly premiums.

Would you rather pay an extra $50 a month for car insurance or thousands, if not millions, in damages to someone because you were underinsured?

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Choosing Auto Insurance Providers

There are many different insurance providers to get your New Jersey car insurance from.

Top companies include

The best way to choose your provider is to get quotes from each company that you decide to visit. Get quotes for varying levels of coverage so that you can fully compare the options.

You will also need to check out the reputation and customer service of each company.

Although the companies listed above are all major brands, you will still need to be wary of their claims processing regulations, their speed of response to your needs, etc.

What good is a cheap car insurance company, if they aren’t there when you need them?

New Jersey Car Insurance Summary

You should always get more insurance not less. Take your decision seriously and make sure that you choose the right provider.

Getting a car insurance policy in New Jersey is no laughing matter, and you don’t want to be one of the people who doesn’t realize how serious it is until it’s too late.

Enter your zip to compare auto insurance quotes now!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption