New Jersey Car Insurance Car Insurance Quote in NJ
The average auto insurance premium for residents in New Jersey is $2,459 in 2009; the national average is $1,790.
New Jersey Car Insurance
New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.
New Jersey Insurance Coverage:
- Basic Policy
- Property Damage Liability: $5,000 Limit
- Personal Injury Protection: $15,000 Limit
- Standard Policy
- Bodily Injury Liability: $15,000/$30,000 Limit
- Property Damage Liability: $5,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
- Uninsured Motorist Property Damage: $5,000 Limit
- Personal Injury Protection: $15,000 Limit
Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury
The state of New Jersey follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
