Cheap car insurance in New Jersey for good drivers
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Affordable New Jersey car insurance that puts you first
Root rewards New Jersey drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized New Jersey auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your New Jersey auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Garden State
New Jersey drivers know the Turnpike exit, Parkway exit, and bridge or tunnel they need without thinking twice. Newark and Jersey City stay busy, but Shore towns, Trenton, and communities from North Jersey to Cape May all have their own traffic patterns.
Two iconic roads: The New Jersey Turnpike carries I-95 through much of the state, while the Garden State Parkway is a familiar route for trips toward the Shore.
Crossing the Hudson and Delaware: The George Washington Bridge, Holland Tunnel, and Lincoln Tunnel connect North Jersey with New York, while routes farther south connect drivers with Philadelphia.
Know where to look: NJDOT maintains the state’s highways, while the New Jersey MVC handles licenses, registrations, and vehicle services.
From Newark to the Jersey Shore and beyond: Explore New Jersey car insurance from Root.
New Jersey's minimum auto insurance limits of Standard Policy
New Jersey requires drivers to carry auto insurance and offers different policy types, including the Basic Policy and Standard Policy. The Standard Policy is the type most New Jersey drivers choose and provides broader coverage options than the Basic Policy. The limits below apply specifically to a Standard Policy [1].
The minimum coverage amounts for a New Jersey Standard Policy are:
Bodily injury liability
$35,000 per person
$70,000 per accident
Property damage liability
$25,000 per accident
Personal Injury Protection (PIP)
$15,000 per person or accident
Up to $250,000 for certain serious injuries
Uninsured/Underinsured Motorist coverage
Available up to the amounts selected for liability coverage
Right to Sue (tort option)
Limited Right to Sue (limited tort)
Unlimited Right to Sue (unlimited tort)
Drivers with a Standard Policy must select a tort option, officially called the Right to Sue option in New Jersey. If you don't make a selection, Limited Right to Sue applies by law.
Types of New Jersey auto insurance we offer
Explore our New Jersey Standard Policy car insurance coverage options available below. Rental coverage is also available as an optional coverage with a Standard Policy. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Personal Injury Protection (PIP) coverage
Required in New Jersey, PIP covers eligible medical expenses and/or lost wages for you and your family members after an accident, regardless of fault.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in New Jersey?
The average New Jersey driver pays $3,122 per year for full coverage car insurance [2].
Root customers looking to purchase New Jersey car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
New Jersey Auto Insurance FAQs
What is the minimum car insurance required in New Jersey?
New Jersey offers both Basic and Standard auto insurance policies. The Basic Policy meets the state's minimum insurance requirements and includes:
$5,000 in Property Damage Liability per accident
$15,000 in Personal Injury Protection (PIP) per person, per accident, with up to $250,000 for certain serious injuries
Limited Right to Sue (limited tort)
Bodily Injury Liability is not included in a Basic Policy, but $10,000 per accident is available as an option. Uninsured/Underinsured Motorist coverage is not available with a Basic Policy.
The Standard Policy, which is the type of policy most New Jersey drivers choose, provides broader coverage options, including Bodily Injury Liability, Property Damage Liability, PIP, and Uninsured/Underinsured Motorist coverage. Standard Policy drivers must also select a Right to Sue, or tort, option.
Is it legal to drive without insurance in New Jersey?
No, you cannot legally drive without auto insurance in New Jersey. If you’re found driving without insurance, you could face penalties such as fines and suspension of your driver's license or registration.
Do you need insurance to register a vehicle in New Jersey?
Yes. New Jersey requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in New Jersey?
The easiest ways to save on your New Jersey car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Garden State.
Is New Jersey a no-fault car insurance state?
Yes, New Jersey is a no-fault state. Your own Personal Injury Protection (PIP) coverage pays eligible medical expenses after a crash, regardless of who caused it. With a Standard Policy, you must also choose between Limited Right to Sue and Unlimited Right to Sue, also referred to as tort options, which affect your right to seek compensation for pain and suffering.
Is auto collision insurance required in New Jersey?
No, collision coverage is not required with a New Jersey Standard Policy. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in New Jersey?
Uninsured/Underinsured Motorist coverage is included with a New Jersey Standard Policy but is not available with a Basic Policy. With a Standard Policy, UM/UIM coverage helps pay for eligible bodily injuries or property damage if you're in an accident caused by an uninsured driver or a driver without enough insurance. You can review your uninsured/underinsured motorist coverage options in our app.
Does Root offer full coverage car insurance in New Jersey?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages with its New Jersey Standard Policy.
Who needs SR-22 insurance in New Jersey?
New Jersey generally does not use SR-22 filings the way many other states do. If your license is suspended for a serious violation, such as a DUI or driving without insurance, you may still need to show proof of insurance to get your driving privileges back.
What is the "limitation on lawsuit" option in New Jersey?
With a New Jersey Standard Policy, you must choose between two Right to Sue, or tort, options. Limited Right to Sue, also called the Limitation on Lawsuit option, limits your right to sue for pain and suffering unless you sustain certain qualifying injuries. Unlimited Right to Sue keeps your right to sue for pain and suffering for any injury. If you don't make a selection, Limited Right to Sue applies by law.
What is New Jersey's Special Automobile Insurance Policy (SAIP)?
SAIP, often called "dollar-a-day" insurance, is a low-cost policy available to New Jersey drivers enrolled in federal Medicaid with Hospitalization. It costs $365 a year and covers emergency treatment after an accident and treatment of serious brain and spinal cord injuries up to $250,000. It does not include liability coverage, so it won't pay for damage or injuries you cause to others.
What is Kyleigh's Law for young drivers in New Jersey?
Kyleigh's Law requires New Jersey drivers under 21 who have a learner's permit or probationary license to display two red, reflective decals on their vehicle. The decals need to be on the vehicle any time the young driver is behind the wheel during the permit or probationary period, including the road test.
Helpful resources for New Jersey drivers
New Jersey Motor Vehicle Commission
The New Jersey MVC issues driver's licenses and ID cards, manages vehicle titles and registrations, and runs vehicle inspections.
New Jersey Department of Transportation
NJDOT maintains the state's highways and oversees transportation across New Jersey.
New Jersey Department of Banking and Insurance
NJ DOBI regulates insurance in the state and helps consumers with insurance questions and complaints.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
New Jersey Department of Banking and Insurance. New Jersey's Basic Auto Insurance Policy .
Insure.com. Annual average rates were compiled in 2026.