New Jersey Auto Insurance Quotes - Car Insurance New Jersey Quote - NJ Auto Insurance
New Jersey's State motto: "Liberty and prosperity"If you are using the internet to get auto insurance in New Jersey, you are at the right place. CarInsurance.com is the best place to comparison shop for the lowest insurance rates available. Getting a quote is easy and you get to compare the rates from multiple companies so you get to choose the policy with the right coverage at the right price. We work with some of the best and most reliable companies, so you get the same great service at a more affordable rate.
Get the car insurance you need for your city or any one of these other cities in New Jersey... Get a low cost quote now.
- Newark
- Jersey City
- Paterson
- Elizabeth
- Edison
- Toms River
- Trenton
- Camden
- Clifton
- East Orange
The average auto insurance premium for residents in New Jersey is $1,365 in 2003; the national average was at $914. Since most people think these rates are fixed by state and insurance companies, they never shop around for better rates. CarInsurance.com helps you find the competitive rates and discounted prices available in New Jersey, so average New Jerseyites can get a better-than-average low rate on their auto insurance.
Rates also change over the years and especially in a state like New Jersey, if you are not careful you could end up paying too much for your auto insurance. Looking back, the average auto insurance premium in 2000 was about $1,146, an increase of about 19.11% in just 3 years! Don't waste your money paying high insurance premiums, start saving now by requesting an online quote from CarInsurance.com now.
Minimum State Insurance Requirements
The state of New Jersey follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. You should be aware that the details of a no-fault system vary from state to state and it is best to check with your state insurance regulator. Visit our State Insurance Regulators page for a list of links to all the state insurance regulators websites.
New Jersey state law requires minimum Bodily Injury Liability coverage of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage.
Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.
Additionally, you can get Uninsured/Underinsured Motorist coverage for any bodily injury caused by an uninsured driver. While New Jersey state law does not require this coverage, you can purchase this as an optional coverage for added protection.
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