New Jersey Auto Insurance Guide
Whether you’re driving into Jersey City for work, heading to the shore for a weekend trip or running errands around Newton, Amica will be with you wherever the road takes you. New Jersey drivers deal with heavy commuter traffic, shore travel, suburban errands and winter weather — sometimes all within the same season.
That variety is why Amica offers customized New Jersey car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.
This guide covers New Jersey car insurance requirements, optional auto insurance in New Jersey, common discounts and answers to frequently asked state-specific questions.
What auto insurance is required?
New Jersey drivers must carry certain minimum coverages to legally operate a vehicle.
New Jersey is generally considered a no-fault state, which affects how certain injury claims may be handled. Even so, liability coverage still matters as it may help pay for bodily injury or property damage you cause to someone else in an accident where you're at fault.
New Jersey minimum auto insurance limits
| Coverage type | Minimum limit in New Jersey | What it helps cover |
|---|---|---|
| Bodily injury liability | $35,000 per person, $70,000 per accident | Injuries to one person after an at-fault accident/Total injury costs for multiple people in one accident |
| Property damage liability | $25,000 per accident | Damage you cause to another person’s vehicle or other property |
| Uninsured/underinsured motorist bodily injury | $35,000 per person, $70,000 per accident | Your injuries if a driver without enough insurance causes the accident/ Total covered injuries for multiple people in your vehicle |
| Personal injury protection (PIP) | $15,000 per person or accident | Medical bills and related expenses after an accident, regardless of fault |
These are the minimum liability coverage limits for drivers in New Jersey. They meet the legal requirement, but some drivers choose higher limits for broader financial protection.
To compare, explore our car insurance, your options, and how much coverage you need.
Additional coverages to consider
The state minimum may not protect your own vehicle or cover every cost that follows an accident. Many New Jersey drivers consider optional coverages for broader protection, especially if they lease or finance a car.
| Coverage | Required in New Jersey? | Why it matters |
|---|---|---|
| Collision coverage | No | May help repair your vehicle after a covered crash, regardless of fault |
| Comprehensive coverage | No | May help with covered non-collision losses like theft, vandalism, falling objects or weather damage |
| Rental reimbursement | No | May help with rental, rideshare or transit costs while your vehicle is being repaired after a covered claim |
| Auto loan/lease coverage/GAP (Guaranteed Asset Protection) | No | May help if you owe more on the vehicle than it is worth after a covered total loss |
| Roadside assistance | No | May help with towing, lockouts, dead batteries or similar roadside problems |
| Full Glass coverage | No | May help with covered windshield or other glass damage without application of a deductible |
What affects car insurance rates in New Jersey?
There are several factors, including your personal driving profile and broader claim and repair trends across the state.
- Driving history: A clean record may help lower rates, while accidents or moving violations may increase premiums.
- Vehicle type: Your car’s value, repair costs, safety features and theft risk may all influence premiums.
- Location and claim trends: Traffic density, local loss patterns and repair costs in your area may affect what you pay.
- Weather and coastal conditions: Heavy rain, winter storms and storm-related losses may shape both coverage decisions and claim trends.
If your premium changes over time, it may be worth reviewing your policy, deductible choices and available discounts.
Save more with discounts
Amica offers several auto insurance discounts1 that may help eligible New Jersey drivers reduce premiums.
- Family-related discounts: Young driver training and good student discounts may help qualifying households.
- Driving-related discounts: Claim-free history and defensive driver training may help some drivers save.
- Vehicle equipment discounts: Anti-theft devices and adaptive headlights may qualify on some vehicles.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help lower costs.
To explore your options, find out about auto insurance discounts and bundling opportunities.
Driving facts to keep in mind
New Jersey also has a few state-specific driving details that can matter for local drivers:
- New residents with an out-of-state license generally need to get a New Jersey license within 60 days, or sooner in some situations.2
- First-time teen drivers must complete the Graduated Driver License program before earning unrestricted driving privileges.2
- Drivers must make reasonable efforts to remove snow or ice from exposed vehicle surfaces before driving.2
These state-specific rules may shape how New Jersey households think about winter readiness, teen-driver risk and everyday driving habits.
How to get auto insurance in New Jersey
If you’re ready to compare options, here’s a simple way to approach the process:
- Review your coverage needs: Start with New Jersey’s required coverages, then consider whether you want higher liability limits or optional protection for your vehicle and budget.
- Look for savings opportunities: Eligible discounts, bundling opportunities and payment options may all affect your final premium.
- Get a quote: You can get a quote online or call 800-242-6422 to speak with a representative.
Comparing limits, deductibles and optional coverages can help you build a New Jersey car insurance policy that best matches how and where you drive.
Get an auto insurance quote today
FAQs about car insurance in New Jersey
New Jersey is generally considered a no-fault state, which affects how certain injury-related claims may be handled. Liability coverage still matters when you cause bodily injury or property damage to others in an accident.
It depends on factors like your ZIP code, driving history, vehicle, annual mileage and selected coverages. Your individual quote may look very different from a statewide average.
New Jersey drivers must carry at least $35,000 in bodily injury liability per person, $70,000 per accident, $25,000 in property damage liability and uninsured motorist bodily injury limits of $35,000/$70,000.
That depends on your financial situation, how much you drive, your vehicle’s value and how much risk you want to keep for yourself. Many drivers consider higher liability limits and optional physical damage coverage for broader protection than the minimum provides.
1Discounts not available in all states and may vary.
2The 2024 New Jersey Driver Manual
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
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