To get car insurance in New Jersey you need the following:
- Gather information about every driver and vehicle on the policy.
- Choose liability, PIP, UM/UIM, and optional coverages.
- Compare quotes using the same limits and deductibles.
- Select a policy and effective date, make the first payment, and obtain your insurance ID card.
- Keep proof of insurance in your vehicle and avoid canceling an existing policy until the new one is active.
New Jersey drivers need to satisfy the state minimum insurance requirements. Your insurance provider or local agent can help determine which coverages best fit your needs.
What do I need to get a New Jersey car insurance quote?
When shopping for car insurance, please have the following when getting a quote:
- Name, date of birth, and New Jersey driver’s license number for each driver
- Home and garaging address (if different)
- Vehicle year, make, model, and VIN
- Estimated annual mileage and primary vehicle use
- Current insurer, policy limits, and expiration date, if applicable
- Driving and claims history, when requested
- Lender or leasing-company information for a financed or leased vehicle
- Desired policy start date
- Email address and phone number
Quote requirements vary by insurer, and insurers may verify driving, claims, and insurance-history information.
Whether you call or use our convenient online form, at Plymouth Rock we’ll guide you through from start to finish. We’ll help find the right coverage and what NJ discounts you qualify for.
New Jersey state car insurance requirements
If you own a vehicle in New Jersey, you’re legally required to have auto insurance for it. You’re required to carry these coverages at the following limits or higher for a standard policy:
| Required Coverage | Minimum Limits (2026) |
|---|---|
| Bodily Injury Liability | $35,000 per person / $70,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Personal Injury Protection | $15,000 per accident |
| Uninsured/Underinsured Motorists | $35,000 per person / $70,000 per accident |
Bodily injury liability coverage
This protects you if you’re held responsible for injuring someone in a car accident. This coverage can help pay for the injured party’s medical expenses, lost wages and pain and suffering. It may also help pay your expenses in a related lawsuit. You need at least $35,000 of coverage per person and $70,000 per accident in NJ.
Property damage liability coverage
This protects you if you are held responsible for damaging someone else’s property in a car accident. This coverage helps reimburse another person for their damaged property (such as a car, a street light or a building). It also helps pay your expenses in the event of a related lawsuit. There’s a minimum limit of $25,000 per accident for NJ insurance policies.
Personal Injury Protection (PIP)
New Jersey is a no-fault state, which means your PIP coverage pays for medical expenses resulting from an accident, regardless of who caused the crash. The PIP limit you select (e.g. $15,000) is the limit per person. In NJ, you need at least $15,000 of Personal Injury Protection.
This is different from Liability coverage, which covers bodily injury and property damage you cause to another driver or their passengers when you’re at fault.
Uninsured and underinsured motorist coverage (UM/UIM)
This coverage protects you if your car is damaged or helps pay medical costs and other related expenses when you or one of your passengers is injured in an accident caused by a driver who doesn’t have enough car insurance (is underinsured) or who doesn’t have any coverage (is uninsured). This coverage may also pay for damage caused by a hit and run accident.
However, in NJ the driver of the hit-and-run vehicle must be identified before UM/UIM can cover repairs for your car. Otherwise, your optional Collision coverage will help pay for damages from an unidentified driver if you have it.
Recommended optional insurance coverage in NJ
When you come to Plymouth Rock for your car insurance needs in NJ, you’ll have some additional coverages to choose from. While not required, these recommended coverages offer more protection for you and your vehicle. Here are just a few of the optional coverages our customers in New Jersey purchase:
Collision coverage helps pay to repair or replace your car after a collision with another vehicle or stationary object. Collision only covers damage to your car or someone else’s car that you are using with permission.
Comprehensive coverage helps pay for damage to your car in situations NOT related to a collision. This includes natural disasters, fire, theft, vandalism, damage caused by hitting an animal and more.
How much insurance is right for New Jersey drivers?
The right insurance coverage for NJ drivers differs depending on their various needs. Having the minimum coverage means you’ll get just that: the minimum. This means premiums are less expensive, but you may pay more out of pocket in the unfortunate event of an accident.
When you buy your policy, you can choose your limits and optional coverages to best protect you and your assets. Any company can give you an attractive price on auto insurance in New Jersey. It’s more important to make sure you’re getting the coverage and service you need.
The right amount of coverage is different for each person. Our experienced and friendly insurance experts can help you figure out what’s right for you and your situation. We offer great coverage at even better prices, along with our excellent customer care and unique benefits.
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This page is for informational purposes only. Actual coverage may vary and is subject to the policy issued by your insurer. Restrictions and limitations may apply. Review your policy and consult a licensed insurance professional to learn more about your coverage.