Auto Insurance Minimum Requirements
New Jersey requires all drivers to carry minimum liability coverage of $35,000 per person and $70,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 35/70/25. New Jersey is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is required at a minimum of $15,000.
⚡ Recently Changed
New Jersey's minimum auto insurance requirements changed on 2026-01-01. See details below.
Important Notes
New Jersey completed Phase 2 of its scheduled auto insurance minimum increases under P.L.2022, c. 87. For all new and renewal policies issued on or after January 1, 2026, the minimum liability limits increased to 35/70/25 (up from 25/50/25). Offers a 'Basic Policy' configuration for eligible low-income drivers with lower limits, but standard liability mandates have shifted.
Uninsured / Underinsured Motorist
Mandatory minimums scale to match the updated 35/70 standard configuration.
Alternatives to Insurance
Corporate or public entity self-insurance programs managed through the state.
Fine
$300–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
No
What is the minimum car insurance required in New Jersey?
New Jersey requires minimum liability coverage of $35,000 per person and $70,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 35/70/25 coverage.
Is New Jersey a no-fault state?
Yes, New Jersey is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in New Jersey?
Yes. New Jersey requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. Mandatory minimums scale to match the updated 35/70 standard configuration.
What happens if I drive without insurance in New Jersey?
Driving without insurance in New Jersey can result in fines of $300–$1,000 and license/registration suspension.
Do I need an SR-22 in New Jersey?
SR-22 filings are not commonly required in New Jersey unless specifically ordered by a court.
What does 35/70/25 mean in New Jersey?
These numbers represent your liability limits: $35,000 per person for bodily injury, $70,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
New Jersey Department of Banking and Insurance
More New Jersey Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — New Jersey Department of Banking and Insurance publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.