Car — Insurance Jersey New

: Often found through GEICO or NJM.

As of , New Jersey has implemented the second phase of a plan to increase mandatory minimum liability limits. Most drivers choose a Standard Policy , which now requires higher limits than previous years. Coverage Type Standard Policy Minimum (2026) Basic Policy (Minimum) Bodily Injury (BI) $35,000 / $70,000 Not included standard (optional $10,000) Property Damage (PD) PIP (Medical) $15,000 (up to $250,000 for brain/spinal injuries) $15,000 (up to $250,000 for catastrophic) UM/UIM Matches BI limits ($35,000 / $70,000) Key Policy Choices car insurance jersey new

: Best for budget-conscious shoppers and known for a wide range of discounts and strong digital tools. : Often found through GEICO or NJM

New Jersey car insurance is unique because of its , which requires all drivers to carry Personal Injury Protection (PIP) to cover their own medical bills regardless of who caused the accident. Mandatory Minimum Requirements Coverage Type Standard Policy Minimum (2026) Basic Policy