New Jersey Car Insurance Center - Get NJ Auto Insurance Quotes from Multiple Providers - DMV Guide

Standard

Proof of Insurance and Financial Responsibility

Here's the minimum liability coverage the state requires you to carry:

Depending on your situation, the state offers three insurance options:

Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.

If a police officer asks for proof of insurance, you must provide one of the following:

Basic

A certificate of self-insurance. An insurance identification card provided by your carrier. Penalties for Failure to Maintain Financial Responsibility

$10,000 as an option for injury/death to more than one person $5,000 for property damage

No proof of insurance will result in the following penalties:

Liability: Basic provides just enough coverage to meet the state's minimum requirements. Standard provides more coverage options and the chance to add extra protection. This is the state's most popular coverage. Self-insurance is available only if you have more than 25 vehicles registered under your name. New Jersey Liability Insurance Requirements for Private Passenger Vehicles

To drive legally in the state you must comply with the state's financial responsibility law. With most drivers, this means carrying liability insurance.

Ways to Establish Financial Responsibility

$15,000 for injury/death for one person $30,000 for injury death to more than one person $5,000 for property damage $15,000 Personal Injury Protection (PIP) $15,000 for uninsured/underinsured motorist injury

Bodily injury liability for one person is not offered under Basic. This policy is generally geared towards young drivers with limited assets.

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For a first offense you'll be fined $300, face a one year suspension, and be sentenced to community service. For a second offense you'll be fined $500, face a two-year suspension, spend 14 days in jail, and be sentenced to 30 days of community service.

Before settling on a provider, do your homework. Know what kind of coverage your vehicle requires and be sure to compare quotes from several insurance companies; this way, you'll better your chances of finding an affordable rate. And, of course, you always have the option of increasing your protection with additional coverage options.

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