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Insurance in New Jersey
Minimum auto liability required
| Bodily injury, per person | $35,000 |
| Bodily injury, per accident | $70,000 |
| Property damage | $25,000 |
| Personal injury protection (PIP) | $15,000 |
| Uninsured motorist | 35/70 |
| Fault system | Choice no-fault |
Written as 35/70/25.
Worth knowing
- New Jersey raised its minimum limits on 1 January 2026.
- New Jersey offers a basic policy and a standard policy with different requirements, and drivers elect limited or full tort rights.
- Figures last reviewed September 2026. Confirm anything you rely on with the state insurance department.
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State regulator
New Jersey Department of Banking and Insurance
Contact them to verify a licence or file a complaint.