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Auto Insurance in New Jersey

Auto insurance requirements in New Jersey are very low. Additionally, the financial responsibility law doesn't require the same types of coverage as most other states. As a New Jersey driver, you are mandated to purchase the following coverage to drive legally:

•     $5,000 property damage coverage per accident or occurrence
•     $15,000 per person for injury coverage
•     $250,000 coverage for serious injuries that are caused by an accident

This coverage should be relatively affordable since the limits are so low. However, it is always recommended that you purchase more than the minimum requirements for auto insurance in New Jersey. For example, if you cause an accident that results in $20,000 in property damage and are only carrying state minimum insurance, you'll have to come up with the $15,000 not covered by your insurance on your own. It would be easier to pay a little more each month for higher limits on your insurance coverage.

Auto insurance in New Jersey determines individual rates much the same way that other states do. By combining the risk factor of your driving record, the vehicle you're insuring, and the amount of coverage that you want, they can calculate how high of a risk you are. The higher the risk, the more you will pay in insurance premiums. Alternatively, if you are lower risk, you'll pay less for auto insurance.

You can also find discounts for auto insurance in New Jersey. You'll need to ask the insurance company or companies that you get quotes from to see if you're eligible for any discounts. Shopping around is going to be the best way to save money on your auto insurance. By comparing multiple quotes and various types of coverage, you can choose a policy that provides the protection you want at a price you can afford.