Car Insurance Jersey New Official

: 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

: Consistently ranked #1 for customer satisfaction in NJ. It often provides dividends (cash back) to policyholders when the company performs well. : Often found through GEICO or NJM

: Best for budget-conscious shoppers and known for a wide range of discounts and strong digital tools. Coverage Type Standard Policy Minimum (2026) Basic Policy

: This choice drastically affects your premium. Selecting the "Limitation" option means you can only sue for pain and suffering if your injury is "serious" (e.g., permanent injury, displaced fracture, or death). Choosing "No Limitation" gives you an unrestricted right to sue but costs more.

: High claims satisfaction scores; a strong runner-up for those who prefer a larger national insurer.

: A Basic Policy is significantly cheaper but offers very little protection and excludes coverage for injuries you cause to others unless you pay extra for an endorsement. Most experts recommend a Standard Policy to protect personal assets.