2024 State Minimums & Coverage Laws
Complete guide to New Jersey's auto insurance requirements. Understand state minimums, PIP coverage, penalties, and how to ensure you're properly covered.
Every driver in New Jersey must carry these minimum coverage amounts to legally drive
| Coverage Type | Per Person | Per Accident |
|---|---|---|
Bodily Injury Liability Covers injuries to others in accidents you cause | $15,000 | $30,000 |
Property Damage Liability Covers damage to other vehicles or property | $5,000 | $5,000 |
Personal Injury Protection (PIP) Covers your medical expenses regardless of fault | $15,000 | $15,000 |
Uninsured Motorist Protects you from uninsured drivers | $15,000 | $30,000 |
Important: These minimums are often insufficient to cover serious accidents. Consider higher limits to protect your assets.
PIP is mandatory in New Jersey and covers medical expenses for you and your passengers
Higher limits provide better protection
Higher deductibles lower your premium
Using health insurance first can reduce costs
Covers lost wages or household help
New Jersey has strict penalties for uninsured driving - don't risk it
License suspension, $300-$1,000 fine, community service
2-year license suspension, $500-$5,000 fine, 30 days jail
Up to $1,000 fine, possible jail time
$250 restoration fee, possible suspension
Don't risk these penalties. Get insured today and stay protected.
Most experts recommend coverage well above state minimums for proper protection
50/100/50
$125-175
Budget-conscious drivers with minimal assets
100/300/100
$175-250
Homeowners and families with moderate assets
250/500/250
$250-350
High-income earners and significant assets
Covers damage to your car in an accident
Required for financed/leased vehicles
Covers theft, vandalism, weather damage
Required for financed/leased vehicles
Extra protection when at-fault driver lacks coverage
Highly recommended but not required
Additional medical coverage beyond PIP
Optional but valuable
Requirement: Must get NJ insurance within 60 days of moving
Tip: Register your vehicle first, then get insurance
Requirement: Must be added to parent's policy or get own coverage
Tip: Good student discounts can save 15-25%
Requirement: Must maintain for 3 years after serious violations
Tip: We specialize in SR-22 filings
Requirement: May qualify for special limited-use policies
Tip: Much cheaper if driven under 2,500 miles/year
New Jersey requires: $15,000/$30,000 bodily injury liability, $5,000 property damage liability, $15,000 PIP (Personal Injury Protection), and $15,000/$30,000 uninsured motorist coverage. This is often written as 15/30/5.
Personal Injury Protection (PIP) is no-fault coverage that pays for your medical expenses, lost wages, and essential services regardless of who caused the accident. NJ requires it because it ensures immediate medical care without waiting for fault determination.
No. Driving without insurance in NJ is illegal and results in severe penalties including license suspension, fines up to $5,000, community service, and possible jail time. The state uses an electronic verification system to catch uninsured drivers.
While it meets legal requirements, minimum coverage often isn't enough. The $5,000 property damage limit is very low - most accidents exceed this. We recommend at least 50/100/50 coverage to better protect your assets.
Insurance lapses are reported electronically to the state. You'll face a $250 restoration fee and possible license suspension. Your insurance rates will also increase. Always maintain continuous coverage or surrender your plates if not driving.
Yes. PIP only covers medical expenses, while uninsured motorist coverage protects you for pain and suffering, lost wages beyond PIP limits, and property damage caused by uninsured drivers. It's required and important protection.
Get properly covered with the right insurance for your needs. Our experts help you understand requirements and find the best coverage.
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Meet all NJ requirements
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