New Jersey

Auto Insurance Minimum Requirements

35/70/25

Liability Limits

Yes

No-Fault

$15,000

PIP Minimum

UM+UIM

Uninsured Motorist

⚡ Recently Changed

New Jersey's minimum auto insurance requirements changed on 2026-01-01. See details below.

Full Requirements

Bodily Injury (per person)$35,000

Bodily Injury (per accident)$70,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredYes

PIP RequiredYes — $15,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsNot used

Effective Date2026-01-01

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.

Official Source

New Jersey Department of Banking and Insurance

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.