Auto Insurance New Jersey
Shopping Information Auto insurance is required in New Jersey. As a New Jersey driver, you have many choices when it comes to purchasing auto insurance. Each choice you make affects the coverage you receive and the amount you pay. As with any major purchase you need to understand the product before you buy it. Use the tools below to help you shop for the coverage that best suits your needs.
auto insurance new jersey
Car insurance costs vary from person to person based on a number of factors, such as your driving history and your vehicle's age, make/model, and usage. Of course, the coverage you choose will also impact how much you pay. We'll work with you to create a policy that meets your needs.
If you own a car in New Jersey, auto insurance is legally required. Aside from that, having coverage you can count on is worth the peace of mind. Our team of representatives will work with you to ensure that you can drive with confidence.
Provides protection if you are injured in an accident caused by a motorist with too little or no insurance coverage. Your Right to Sue choice may affect whether you can recover for some bodily injuries. This coverage also may pay for your property damage caused by a motorist with too little insurance.
New Jersey is considered a no-fault insurance state. This means that if you, or an individual covered by your policy, is injured in an auto accident, your policy pays for reasonable and necessary medical expenses (up to your chosen limit), regardless of who caused the accident. Personal Injury Protection (PIP) has two parts:
New Jersey drivers deserve auto insurance they can depend on. Whether you're driving on the Jersey Turnpike or heading down the shore on the Atlantic City Expressway, you need someone who understands that car insurance is more than just protection for your car. That's where we come in. We understand that providing insurance takes empathy, compassion, and good old-fashioned hard work. We work to be the best we can be, so you can focus on the things that matter most.
The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.
Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:
When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.
In an industry that relies on customer satisfaction, we pride ourselves on being committed to our customers. Get your Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania auto insurance quote today and learn what sets us apart.
NJM advertisements that refer to a potential savings of $702 reflect average annual auto insurance premium savings on a national basis for applicants who reported their prior premiums and switched to NJM between 05/31/21 and 05/31/22. Individual savings may vary.
When looking into car insurance quotes in New Jersey, let Progressive put you on the road to protection and savings. Learn more about New Jersey auto insurance requirements and available discounts, so you can choose the coverages that fit your needs and your budget.
PIP covers your medical costs, as well as lost wages and death benefits, and pays out even if you're at fault. UM/UIM BI pays for medical expenses for you and your passengers if you're hit by a driver with little or no insurance. UM/UIM PD covers damage caused to your vehicle from an uninsured or underinsured driver.
Auto insurance rates tend to run higher in New Jersey compared to other states, according to average expenditure data gathered by the NAIC in 2018. However, rates vary based on many factors like where you live, your driving history, and the limits and coverages you choose. Learn more about the factors behind the cost of car insurance.
Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
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.
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.
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.
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.
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.
Whether you're new to New Jersey or you've lived in the Garden State for a while and are just shopping around for the best car insurance rate, you'll be glad you checked with GEICO. We've got many ways to help you save money and lots of useful information for New Jersey drivers just like you.
There are two common types of New Jersey auto insurance policies: standard and basic. The standard policy (most popular) provides several coverage options as well as the option to buy additional protection. A basic policy, while cheaper, provides limited benefits.
Information about car insurance claims requirements for the State of New Jersey, as well as documents related to New Jersey's Decision Point Review Plan and Pre-Certification Plan can be reviewed in the link provided.
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Finding the right car insurance for you means staying up to date on New Jersey requirements. The table below lists the coverages and minimum coverage limits that are required in New Jersey. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In New Jersey, you are allowed to show an electronic copy of your insurance card on your mobile device.
*Bundled savings vary by state. Savings vary in NJ and are an average of savings off the Home policy combining the Multiple Policy Discount for having Auto insurance with Allstate and the Welcome Discount at enrollment.
Quotes for minimum coverage in New Jersey are based on the state's legal requirements for car insurance coverage. Quotes for full-coverage policies include higher liability limits than state minimums plus collision and comprehensive coverage.
Minimum-coverage auto insurance quotes meet the car insurance requirements in New Jersey. That includes $25,000 in bodily injury liability per person and $50,000 per accident, $25,000 in property damage coverage and $15,000 of personal injury protection (PIP). 041b061a72