New Jersey car insurance

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New Jersey auto insurance information

As with most states, in order to register and drive your car in New Jersey, the state requires that you have a minimum level of certain types of auto insurance coverage. These include:

  • Personal Injury Protection: $15,000 per person, per accident (up to $250,000 for certain injuries)
  • Property Damage Liability: $5,000 per accident
Most people opt for higher amounts of auto insurance coverage than the state minimum in order to protect themselves in case of an accident.

To learn more about New Jersey auto insurance minimums, download this brochure from the New Jersey Department of Banking and Insurance.

What is Personal Injury Protection (PIP) Coverage?
If you are injured in a car accident, Personal Injury Protection (PIP) pays for your medical expenses and other related costs. PIP coverage in New Jersey has a minimum amount of $15,000 per person and covers:

  • Medical expenses from injuries suffered in an auto accident.
  • Lost wages due to missed time at work.
  • Household replacement services when paying someone to help you with tasks you could have done on your own before you were injured.

Bundle New Jersey car insurance to save
Purchasing a home insurance policy along with car insurance from Liberty Mutual qualifies you for a multi-policy discount. Learn more about our New Jersey home insurance.

Discounts that help you save

Savings Discount

Online Purchase Discount

Buy your policy online and save. It's that simple.1
Auto Home

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.2
RightTrack

RightTrack

Get rewarded for your good driving behavior by saving up to 30% on your policy.3

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1Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
2Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
3Liberty Mutual: The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states.