Auto Insurance New Jersey [2025]
$35,000 per person and $70,000 per accident. Property Damage Liability: $25,000 per accident.
New Jersey operates under a , meaning your own insurance typically pays for your medical expenses regardless of who caused the accident. For a Standard Policy renewing in 2026, the law now mandates the following minimums: auto insurance new jersey
Navigating Auto Insurance in New Jersey (2026) Auto insurance is mandatory for every vehicle registered in New Jersey . Driving without it can lead to severe penalties, including fines, license suspension, and potential jail time. As of , the state has implemented the second phase of a multi-year plan to increase minimum liability limits to better reflect modern medical and repair costs. Mandatory Minimum Requirements (2026) $35,000 per person and $70,000 per accident
$15,000 minimum (can be increased up to $250,000). For a Standard Policy renewing in 2026, the
New Jersey drivers generally choose between two primary policy structures:
