New Jersey Car Insurance Quotes

New Jersey state law requires minimum coverage of:

• $15,000 for bodily injury or death to one person.
• $30,000 total per accident for bodily injury or death.
• $5,000 for damage to property.
• $15,000 per person, per accident for Personal Injury Protection (PIP) for injuries sustained in an automobile accident by you or other persons covered under your policy.

Auto insurance is mandatory in New Jersey, but the type and cost of that coverage can vary significantly. Every day, consumers are finding that there are options available to make it easier to comply with the law. The Automobile Insurance Cost Reduction Act mandated that a Basic Policy be available to all drivers.

It is important to realize that you are breaking the law if you drive uninsured. The penalties for driving uninsured are getting more severe — in addition to risking economic loss by not having insurance protection, you risk fines, suspension of driver's license or registration and even time in jail. In the future, your car could be impounded if you are caught behind the wheel without coverage.