New Jersey

New Jersey requires minimum liability of 25/50/25 ($25,000 bodily injury per person / $50,000 per accident / $25,000 property damage), PLUS Personal Injury Protection (PIP) of at least $15,000. New Jersey is a no-fault state, so drivers recover medical costs from their own PIP coverage regardless of fault.

Bodily injury liability in New Jersey pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in New Jersey pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $25,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

New Jersey REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM/UIM coverage at the same limits as liability is mandatory on standard policies. Basic policies have lower UM limits. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

New Jersey REQUIRES Personal Injury Protection (PIP) of at least $15,000. PIP pays your own medical bills, a portion of lost wages, and certain replacement services after a crash, regardless of who was at fault. PIP is the cornerstone of the state's no-fault system.

New Jersey is a choice no-fault state. PIP of $15,000 per person ($250,000 for catastrophic injuries) is required. Drivers select either a Standard Policy or Basic Policy (15/30/5 with $15k PIP), and a "limited right to sue" or "unlimited right to sue" tort option.

Self-insurance certificates available for fleets of 25+ vehicles through the MVC. SR-22 may be required after DWI, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in New Jersey, consult the official source at https://www.nj.gov/dobi/. State minimums change periodically; verify current law before relying on these figures.