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New Jersey Car Insurance
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Common questions about New Jersey auto insurance
Need car insurance in New Jersey? Whether you live in North Jersey or the Jersey Shore, Liberty Mutual can help protect you. From liability protection to comprehensive coverage, we customize your New Jersey auto insurance, so you only pay for what you need.
What car insurance is required in New Jersey?
In New Jersey, it's illegal to drive without insurance. Drivers in New Jersey are required to have the following car insurance coverage: bodily injury to others, property damage liability, and uninsured/underinsured motorist coverage.
This chart shows the minimum auto insurance drivers are required to have in New Jersey for these coverages.1
Coverage | Amount |
|---|---|
| Personal Injury Protection | $15,000 per person, per accident (up to $250,000 for certain injuries) |
| Property Damage Coverage | $5,000 per accident |
For more information, check out the New Jersey Department of Banking and Insurance.
What is the average cost of car insurance in New Jersey?
The average cost of car insurance in New Jersey is $1,5842 in 2021 according to thezebra.com. That's 4% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your New Jersey auto insurance, so you only pay for what you need.
What New Jersey car insurance coverage is right for you?
The chart above shows the minimum New Jersey auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We'll help you customize your New Jersey car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in New Jersey?
Liberty Mutual understands that everyone has individual needs when it comes to their New Jersey auto insurance. Some might want the cheapest New Jersey car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your New Jersey car insurance, so you only pay for what you need.
Who has the cheapest car insurance in New Jersey?
Getting the cheapest car insurance in New Jersey may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate