What Auto Insurance Is Required in New Jersey? (Minimum Coverage Explained)
Many New Jersey drivers aren’t sure what their auto insurance actually covers — and even fewer know the minimum requirements. Understanding these limits is important, not just to stay compliant, but to make sure you’re properly protected.
What Are the Minimum Auto Insurance Limits in NJ?
As of 2026, New Jersey requires:
$35,000 bodily injury liability per person
$70,000 bodily injury liability per accident
$15,000 property damage liability
These limits represent the minimum coverage required by law.
What Do These Cover?
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs if you injure someone in an accident.
Property Damage Liability
Covers damage to another person’s vehicle or property.
Personal Injury Protection (PIP)
Helps cover your own medical expenses regardless of fault.
Why Minimum Coverage May Not Be Enough
Minimum limits are designed to meet legal requirements — not necessarily to fully protect you.
In a serious accident, costs can easily exceed these limits, leaving you responsible for the difference.
When Should You Review Your Policy?
You should review your coverage if:
You haven’t checked it in over a year
Your rates increased
You’ve had life or financial changes
Not sure if your coverage meets current requirements?
👉 Call (908) 845-7722 or request a FREE policy review today
