8:00 - 17:00
Opening Hour: Mon - Fri
Drivers in New Jersey are required to have a minimum amount of car insurance at all times, and driving without car insurance can be expensive and risky. However, you may be wondering why the state requires its drivers to buy car insurance.
New Jersey is one of the few states that requires drivers to purchase liability, personal injury, and uninsured motorist coverages, and there is a solid reason for each of these requirements.
For example, New Jersey requires liability coverage so that drivers have the means to take financial responsibility for damages they cause to other people while they are driving.
Keep in mind that any damages that you incur personally or that other people incur because of your actions are ultimately your responsibility to pay for.
If you do not have the right type of coverage or high enough coverage limits, you may have to pay out-of-pocket.
Because some accidents may cost tens of thousands of dollars or more, it is not feasible for many of the drivers in this state to pay for all of the expenses associated with an accident out of their own pocket.
Compare car insurance quotes to find the best coverage for the best rate. Enter your ZIP code into our free rate tool above to get started.
Table of Contents
New Jersey drivers should review and update their car insurance coverage every six months. However, before you take this critical step, you need to learn more about the types of coverage available and how they differ from each other.
These are some of the required and optional auto insurance types that you may find when you request a quote for new coverage in New Jersey:
If you have never shopped for New Jersey auto insurance quotes, it is important to understand how the coverage may be quoted to you.
Typically, a dollar amount will be assigned to each coverage type that you purchase, and this dollar amount is the maximum amount of benefits the insurance company will pay out on a claim.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
New Jersey drivers are required to purchase more auto insurance than many other drivers in different states, but there may be some benefit associated with this.
After all, coverage requirements in some states are so low or minimal that drivers often purchase more than the minimum requirements to enjoy the full benefit that auto insurance can provide.
New Jersey drivers must purchase minimum coverage of:
The above requirements are for a basic insurance policy, but New Jersey drivers may also choose to purchase a standard insurance policy. Standard insurance in New Jersey features:
Keep in mind that these basic and standard insurance options are for personal-use vehicles. In the event that you have a stored classic car, a commercial vehicle, or another type of vehicle, other insurance requirements may apply.
The most common way New Jersey law enforcement officials will determine if you are in compliance with the auto insurance requirement is when they pull you over for another matter and review your coverage.
If you are caught driving without the proper amount and type of coverage per state law, you may lose your license or registration, be fined, and face other significant penalties.
It makes sense for some drivers to purchase the minimum amount of coverage and to save money on their premium.
However, because you are responsible for any expenses that are not covered by your auto insurance policy, you may consider buying more than the minimum required coverage.
For example, even if comprehensive insurance is not required, you may still buy it so that you have the financial means to pay for your own vehicle’s repair bills.
Buying New Jersey car insurance is not a matter to take lightly. The premium will affect your regular budget, and the coverage will affect your expenses if you need to file a claim.
At a minimum, you need to purchase the state’s legally required coverage types and limits.
Requesting a quote online is a wonderful way to save time and effort as you prepare to buy new coverage.
Ideally, drivers will shop for new auto insurance quotes in New Jersey every six months. Be sure to find auto providers that have a wonderful reputation for having hassle-free claims, friendly service, and great rates.
When you focus your attention on finding great companies to request quotes from first, you can most easily find great prices on the coverage you need from a reputable provider. Enter your ZIP code below to get quotes now!
Auto Insurance Laws