Insurance in NJ

State-specific guides, common questions, and licensed agencies that cover NJ.

New Jersey insurance regulator

New Jersey Department of Banking and Insurance

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

File a complaint Look up an agent or company license

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

Minimum car insurance in New Jersey

35/70/25 No-fault state

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person: $35,000
Bodily injury liability, per accident: $70,000
Property damage liability: $25,000
Personal injury protection (PIP): PIP $15,000 per person (up to $250,000 for certain injuries)
Uninsured motorist coverage: Required

Standard policy; final phase of the 2023 increase. UM/UIM matches BI. Basic Policy (PD $5k, PIP $15k, optional $10k BI) also meets the law.

Source: NJ Department of Banking and Insurance - Standard Auto Insurance Policy · N.J.S.A. 39:6A-3; N.J.S.A. 39:6A-3.1; N.J.S.A. 17:28-1.1 · In effect since Jan 1, 2026 · Reviewed Sep 13, 2026