Two highway signs on the New Jersey Turnpike.

Buying a Car without Insurance in New Jersey

Is it possible to purchase a car even if you don’t have insurance? Yes! But before you get excited about buying a car without accompanying auto insurance, there are some things you need to know. While you can still purchase the car, a dealership will not allow you to drive off the lot without showing proof of insurance. Also, if you are buying a car through a private sale, New Jersey state law requires you to carry minimum coverage limits. So, if you need to buy a car, but you don’t have car insurance, what are your options? Below we’ll walk through the process of buying a car without insurance, outline the state coverage requirements, and explore the options you have as a driver to get on the road legally.

Is it Legal to Buy a Car without also Purchasing Insurance?

Sure, but that doesn’t mean you can drive it. The fact is, you can legally purchase almost any type of vehicle, but without a license, or proper proof of insurance you’ll need to keep it parked. The car buying process would essentially be the same, only instead of driving off the lot with your new wheels, you’d need to leave your new ride on the dealership parking lot until you come back with proof showing that the car you purchased is insured.

How to Get Car Insurance Quickly

There are two ways to get your new ride covered quickly. The quickest way is to add your car to an existing auto policy owned by you or your spouse. In the event you do not have a policy inforce, you can purchase a new policy. Online, self-quoting is a convenient and fast option: with some key details such as your name, address, driver’s license number, year, make and model of your car, you can get the ball rolling quickly. Keep in mind, depending on the insurance carrier, you may be required to produce additional information pertaining to your motor vehicle record and anticipated mileage you’ll be driving.

If you have recently purchased a car from a local auto dealership and you have questions about the process of obtaining car insurance for the vehicle you just bought, take advantage of the expertise of the finance and insurance professional at the dealership. Dealerships process numerous buying transactions, so they are used to communicating with insurance carriers on behalf of mutual customers. 

What is the Required Car Insurance in New Jersey?

The state of New Jersey requires each motorist to carry car insurance with specific minimum limits in place. The following is a detailed breakdown of each type of minimum coverage that is required in a standard policy:
• Bodily Injury Liability: $15,000 per person, $30,000 per accident
• Property Damage Liability: $5,000 per accident
• Personal Injury Protection: $15,000 per person or accident with the option of higher limits
• Uninsured Motorist Protection: $15,000 per person/$30,000 per accident/$5,000 property
If you’re not sure about a specific coverage, or limit – ask! It is your responsibility to properly insure your car; doing so will protect you and keep you legal.

Final Thoughts on Buying a Car without Insurance

Purchasing a car can be one of the most expensive investments you will make. The car buying process can be fun and exciting, but it’s important that you have the proper insurance in place before you drive off the lot or drive your new purchase away from a private sale. You may be tempted to cut corners with car insurance coverage after purchasing your new ride, but read here about how in many cases, cheapest is not the best. Plymouth Rock has provided more information about the importance and benefits of having car insurance, as well as the common mistakes when purchasing to help you navigate the car insurance buying process.

If you have questions about the insurance you need, and the simple steps to obtain it, contact Plymouth Rock Assurance to speak with a friendly, knowledgeable representative. Offering exclusive affinity programs, competitive rates, flexible coverage, and exceptional service, Plymouth Rock is one of the premier car insurance providers in New Jersey. 

Call 855-993-4470, get your free quote online or find a local agent to see how Plymouth Rock Assurance can help you understand more about buying a car without insurance. If you need additional information, please visit our Contact Us page.