Fair car insurance in New Jersey
From Newark to Camden and Newport to Paterson, car insurance in New Jersey just got more affordable with Root. Download the Root app, complete the test drive, and then see what you’ll save on your car insurance quote. If you’re a good driver in New Jersey, you could get quality auto insurance and save hundreds.
How it works
Traditional auto insurance companies heavily rely on demographics—how old you are, your credit score, marital status, ZIP code, whether you own a home, etc.—when determining your car insurance rate. While we also take demographics into account when determining the rate we offer you, how safe you are behind the wheel is the #1 factor influencing your rate.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for auto insurance in New Jersey
What are the minimum car insurance requirements in New Jersey?
To legally operate a vehicle in New Jersey, you must carry Liability insurance, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist coverage.
Personal Injury Protection (PIP)
No-fault car insurance—also called Personal Injury Protection (PIP)—covers your household family members and your medical costs after an accident, regardless of who is at fault for the accident. Claims against the at-fault driver can be filed after the PIP benefits are exhausted.
Minimum PIP coverage New Jersey drivers must carry:
$15,000 for medical expenses (per person)
Liability coverage
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It typically does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
Minimum required Liability coverage in New Jersey:
$35,000 Bodily Injury (per person)
$70,000 Bodily Injury (per accident – multiple people injured)
$25,000 Property Damage
You can always choose to select higher limits for more coverage.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
Uninsured/Underinsured Motorist insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who does not have car insurance. Uninsured Motorist Property Damage covers damage to your vehicle caused by an uninsured driver. Keep in mind that a registered uninsured driver who causes an accident must pay for damage or medical costs out-of-pocket. This type of uninsured driver is not covered by uninsured motorist coverage.
Minimum required Uninsured Motorist coverage:
$35,000 Bodily Injury (per person)
$70,000 Bodily Injury (per accident – multiple people injured)
$25,000 Property Damage
You can select higher limits if you choose.
What other coverages does Root offer?
Collision
Rental Car coverage
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
How much is car insurance in South Carolina?
The average driver in New Jersey pays $2,736 [1] per year for their auto policy, which is higher than the national average. Bad drivers often drive up prices for good drivers. Root doesn’t insure bad drivers, so Root customers save up to $900 a year—all while enjoying fair and simple car insurance.
Start saving on car insurance in New Jersey
Get an auto insurance quote based primarily on how you drive. You could save hundreds.