New Jersey Automobile Insurance May 2026

: Minimums will rise again to $35,000 per person and $70,000 per accident .

: For drivers unable to find coverage in the voluntary market due to high risk, the NJAIP assigns them to an insurer.

Due to high population density and mandatory no-fault benefits, New Jersey has some of the highest insurance costs in the country, with average minimum coverage around . new jersey automobile insurance

: Provides the most comprehensive options and higher coverage limits.

: The state provides incentives for insurers to increase coverage availability in specific urban centers to stimulate competition. : Minimums will rise again to $35,000 per

The state is currently implementing a two-phase increase in mandatory minimum liability limits:

: Pays for others' injuries or property damage when you are at fault. : Provides the most comprehensive options and higher

: Minimum bodily injury liability increased to $25,000 per person and $50,000 per accident.