Get a New Jersey car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in New Jersey
Need car insurance in New Jersey? Whether you live in North Jersey or the Jersey Shore, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your New Jersey auto insurance, so you only pay for what you need.
New Jersey auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programNew Jersey minimum car insurance requirements (35/70/25)
It's illegal to drive without car insurance in New Jersey. To drive legally, you need to have at least the following coverage amounts and minimums in New Jersey.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $35,000 per person and $70,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
| Personal Injury Protection (PIP) | $15,000 |
See the New Jersey Department of Banking and Insurance for official coverage requirements and details.
Average car insurance cost in New Jersey, 2026
According to 2026 data, the average cost of “full” coverage car insurance in New Jersey is about $3,060 per year.
New Jersey drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in New Jersey?
Finding the cheapest car insurance in New Jersey may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
New Jersey car insurance FAQs
- There's no single "best" car insurance company for every New Jersey driver. The right policy depends on what matters most to you, whether that's price, coverage options, claims support, or available discounts. With Liberty Mutual, you can customize your policy so you're only paying for the coverage you need. Drivers who switch to Liberty Mutual could save over $700, and getting a free quote online takes less than 10 minutes.1 It's a simple way to see what your New Jersey car insurance coverage and rate could look like.
- You can get covered in a few steps: gather your driver's license, vehicle information, and details on any other drivers in your household, then request a quote online or with an agent.
Before you buy, it's helpful to think through the types of coverage and limits that fit your needs, budget, and vehicle. Once you select your policy, your insurer will provide proof of insurance, which you'll need to register your vehicle in New Jersey. Getting a free quote is a simple place to start.
- Car insurance in New Jersey can be expensive for a few reasons. The state is densely populated, and traffic in areas like North Jersey and shore corridors can lead to more accidents and claims. When insurers see higher claim frequency or higher claim costs, premiums often rise.
New Jersey's no-fault insurance rules can also affect rates because drivers are required to carry Personal Injury Protection, which helps pay for medical expenses after an accident. Rising vehicle repair and medical costs can add to the overall cost of coverage, too. While you can't control every factor that affects your rate, you may be able to save by bundling policies, adjusting your deductible, and asking about available discounts.
- New Jersey drivers are required to carry auto insurance, but the amount and type of coverage you choose can vary. For many standard policies issued or renewed on or after January 1, 2026, minimum limits include $35,000 per person and $70,000 per accident for Bodily Injury Liability, $25,000 for Property Damage Liability, and at least $15,000 in Personal Injury Protection. However, minimum coverage can be used up quickly after a serious accident.
Many drivers consider higher liability limits, higher PIP limits, and Uninsured/Underinsured Motorist Coverage for added protection. If you want help paying to repair or replace your own vehicle, Collision and Comprehensive Coverage may also be worth considering. The right mix depends on your vehicle, budget, assets, and comfort with risk, and customizing your policy can help you pay for the coverage that fits your needs.
- Yes, New Jersey is a no-fault state. That means your own Personal Injury Protection (PIP) Coverage helps pay for your medical expenses after a covered accident, regardless of who was at fault. New Jersey requires at least $15,000 in PIP, with higher limits available.
- Small savings opportunities can add up. Bundling your auto policy with home, condo, or renters' coverage is usually one of the most effective ways to save, and buying online, paperless billing, multi-car, or good-student, can also help to lower your premium. If you drive safely, enrolling in RightTrack® can reward your habits with savings of up to 30% on your policy.3 Raising your deductibles and reviewing your coverage at each renewal can help, too.