Auto Insurance New Jersey
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New Jersey Cost Averages Per Driver
Current average car insurance premium in New Jersey $2,321.20
Current average car insurance premium U.S. $1,446.49
Average premiums in New Jersey cities
Newark $3,126.96
Jersey City $2,579.57
Uninsured or underinsured Motorist in New Jersey
How much UM & UIM Coverage should you get?
$15,000/$30,000 Limit/Uninsured Property Damage $5,000. 8% uninsured drivers
Determining at Fault for an Auto Accident
Choice No Fault
The state of New Jersey follows a Choice No-Fault system, meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
Coverage Requirements
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
Uninsured Motorist Property Damage: $5,000 Limit
Personal Injury Protection: $15,000 Limit
New Jersey Counties
Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Sussex, Union, Warren
