New Jersey car insurance

Common questions about New Jersey
auto insurance

Need car insurance in New Jersey? Whether you live in North Jersey or the Jersey Shore, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your New Jersey auto insurance, so you only pay for what you need.

What car insurance is required in New Jersey?

In New Jersey, it's illegal to drive without insurance. Drivers in New Jersey are required to have the following car insurance coverage: bodily injury to others, property damage liability, and uninsured motorist coverage.

This chart shows the minimum auto insurance drivers are required to have in New Jersey for these coverages.²

Coverage	Amount
Personal Injury Protection	$15,000 per person, per accident (up to $250,000 for certain injuries)
Property Damage Coverage	$5,000 per accident

For more information, check out the New Jersey Department of Banking and Insurance.

What's the average cost of car insurance in New Jersey?

The average cost of car insurance in New Jersey was $2,342³ in 2024 according to thezebra.com. That's 7% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on New Jersey auto insurance with a customized policy so you only pay for what you need.

See how much you could save on car insurance.

U.S. Map with New Jersey state highlighted

What New Jersey car coverage insurance coverage is right for you?

The chart above shows the minimum New Jersey auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We'll help you customize your New Jersey car insurance to get the coverage that fits you. See all of our auto coverage options.

What is the best car insurance in New Jersey?

Liberty Mutual knows that everyone has different needs for their New Jersey auto insurance. Some may want the cheapest New Jersey car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your New Jersey car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in New Jersey?

Getting the cheapest car insurance in New Jersey sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴