If you are a New Jersey resident in search of state mandated minimum coverage you have found the right place. Here at Cheapcarinsuranceco.com drivers can get quotes on the state minimum coverage they need to stay legal, as well as information about optional protections and the cost of higher coverage limits. No matter what type of car you drive, you need to be protected, and we are committed to helping you get the protection you need to stay safe and legal behind the wheel.

New Jersey Car Insurance Requirements

In New Jersey drivers are required to carry a minimum of $15,000 worth of bodily injury liability coverage, up to a total of $30,000 per accident. New Jersey state law also requires drivers to carry property damage liability coverage with at least $5,000 in coverage. This is known in the industry as 15/30/5 coverage.

New Jersey Insurance Coverage:

Bodily injury liability: $15,000/$30,000 minimum

Property Damage Liability: $5,000 minimum

The state of New Jersey uses the Tort system for car insurance, meaning that the party found to be responsible for the accident is also responsible, along with his or her insurance company, for paying the damages associated with the crash. The Tort laws vary from state to state, so it is important to examine the laws in your own state closely.

In addition to the minimum mandated coverage, New Jersey residents can also choose additional protection, such as protection for uninsured and underinsured motorists. Despite the existence of a law mandating drivers carry car insurance, some drivers simply do not, and this coverage protects you in the event of an accident with an uninsured or underinsured driver.

At Cheapcarinsurance.com drivers can get an instant quote on the state mandated coverage they need. Drivers can also get quotes on additional coverage options and higher liability limits. But no matter what you need, we know that you will find our prices and our service are second to none.