Car Insurance Jersey New Apr 2026

: A Basic Policy is significantly cheaper but offers very little protection and excludes coverage for injuries you cause to others unless you pay extra for an endorsement. Most experts recommend a Standard Policy to protect personal assets.

: Often found through GEICO or NJM.

: Consistently ranked #1 for customer satisfaction in NJ. It often provides dividends (cash back) to policyholders when the company performs well. car insurance jersey new

The average annual cost for full coverage in New Jersey is approximately in 2026, roughly 21% higher than the national average.

New Jersey car insurance is unique because of its , which requires all drivers to carry Personal Injury Protection (PIP) to cover their own medical bills regardless of who caused the accident. Mandatory Minimum Requirements : A Basic Policy is significantly cheaper but

: You can choose to make your Health Insurance primary for auto-related injuries to save on premiums, but ensure your health plan doesn't exclude auto accidents. Top Rated Providers in New Jersey (2026)

Based on high customer satisfaction and competitive pricing for New Jersey residents: : Consistently ranked #1 for customer satisfaction in NJ

As of , New Jersey has implemented the second phase of a plan to increase mandatory minimum liability limits. Most drivers choose a Standard Policy , which now requires higher limits than previous years. Coverage Type Standard Policy Minimum (2026) Basic Policy (Minimum) Bodily Injury (BI) $35,000 / $70,000 Not included standard (optional $10,000) Property Damage (PD) PIP (Medical) $15,000 (up to $250,000 for brain/spinal injuries) $15,000 (up to $250,000 for catastrophic) UM/UIM Matches BI limits ($35,000 / $70,000) Key Policy Choices