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New Jersey- Auto Insurance

Drivers in New Jersey have specific auto insurance laws they must follow. Drivers have to carry three types of insurance in New Jersey such as liability, personal injury and uninsured motorist.

  • Liability insurance covers the damage caused by your accident, if you are at fault.
  • Personal injury coverage will pay for your medical expenses whether you are at fault or not.
  • Uninsured motorist insurance gives your protection in the event that you are in an accident with someone who does not have state-mandated insurance coverage.


  • New Jersey does not dictate exact figures for insurance coverage.
  • You must carry a New Jersey insurance card in your vehicle at all times. You could be asked to present it in the case of an accident, a traffic violation or a spot-inspection of your vehicle.


New Jersey Dept. of Banking and Insurance
PO Box 325
Trenton, NJ 08625-0325
Phone (Toll Free): 1-800-446-SHOP (7467)
Fax: 1-609-292-2431

Web Site:

 New Jersey (NJ) Mandatory Auto Insurance Minimums:

  • Liability: 15/30/5 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist — No-Fault State.
  • Regulations Regarding Proof of auto insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: First Offense = Fine of up to $1000, License Suspension of One Year, Community Service

Inside New Jersey- Auto Insurance