New Jersey Auto Insurance for First-Time Drivers
New Jersey requires 35/70/25 liability coverage and is a no-fault state.
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New Jersey at a Glance
35/70/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
16
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Jersey
New Jersey operates under a choice no-fault system, meaning drivers select either Standard (no-fault) or Basic (tort) coverage when purchasing a policy. All drivers must carry proof of insurance and provide it during traffic stops or registration renewal. The New Jersey Motor Vehicle Commission requires electronic insurance verification, and your insurer automatically reports your coverage status to the state.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in New Jersey
$406/mo
Typical monthly rate in New Jersey, new drivers
Rate data: Insurify, 2026
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Night driving
11pm-5am
Passengers
no more than 1 passenger
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
The foundation of every policy—pays for injuries and property damage you cause to others. Split into bodily injury liability (covers medical bills, lost wages, legal fees when you injure someone) and property damage liability (covers repair or replacement of others' property).
Full Coverage
Industry term for a policy combining liability, collision, and comprehensive coverage. Protects both your legal obligation to others and your own vehicle from accidents, theft, vandalism, and weather damage.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events—theft, vandalism, hail, flood, fire, falling objects, and animal strikes. You choose a deductible (typically $500–$1,000), which is what you pay before insurance covers the rest.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault. Like comprehensive, you select a deductible amount.
Uninsured Motorist Coverage
Steps in when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene. Covers your medical bills, lost income, and vehicle damage up to your policy limits.
Personal Injury Protection (PIP)
Required no-fault coverage that pays your medical expenses and lost wages after an accident regardless of who caused it. Standard policies provide $15,000; Basic policies provide $10,000.