Compare rates from 8 car insurance companies in New Jersey.
Across the Garden State, there are 84,281 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
Liability coverage is legally required in New Jersey and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In New Jersey, the minimum is listed as 15/30/5 and explained below:
$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Uninsured/Underinsured Motorist coverage is legally required in New Jersey and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In New Jersey, the minimum is listed as 15/30/5 and explained below:
$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
$5,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured/underinsured driver.
Personal Injury Protection (PIP) in New Jersey can be coordinated with your health insurance or is offered as a stand-alone coverage for drivers that do not carry health insurance. It is important to check with your health insurance provider as to how or if they provide coverage for injuries resulting from auto accidents. Work loss, death benefit, and funeral expenses are not required but can be added to PIP to broaden coverage for you and your passengers. Minimum PIP coverage in New Jersey is listed below:
$15,000 per person. This is the total that pays out for injuries suffered by anyone in your vehicle, including the driver, regardless of fault. Limits can be increased to better suit your needs.
The lawsuit options in New Jersey determine a driver’s ability to sue for pain and suffering resulting from an accident. Choosing the “limited” option restricts the policyholder and their household members’ right to sue for pain and suffering in an accident to extreme circumstances like death, permanent disfigurement, or loss of a body part in return for a lower premium. Selecting the “unlimited” option allows the policyholder to sue for pain and suffering regardless of the severity of the injuries. This is generally a much more expensive option.
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
If you happen to find yourself pulled over by a police officer in New Jersey you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
|Rank||City||Avg. Annual Premium|
|3||West New York||$2,481|
Does hitting a fixed object cause my premium to rise?
The car has $1,700 in damage. My rates are already higher from an accident I had recently and I’m afraid ...
What can I do about fixing incorrect information on my driving record?
I called to get an insurance quote to see if I could get a lower rate and was told there ...
How do I help my father lower his rate if I’m on his policy and have accidents?
I have had 3 accidents when I was 18 and am now 26, have not had any violations since except ...
If I mostly use Lyft or Uber, do I still need car insurance?
My 2001 Jetta is practically unusable at this point unless I spend another $400 to fix it, and who knows ...
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
|Rank||Company Name||Avg. Annual Premium|
|3||New Jersey Manufacturers||$1,284|
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
Each day, parents of 25 million American children watch them board a big yellow school bus. That’s more than half...
You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...
To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...
The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...
This summer, police and government officials in Evesham Township, located in southern New Jersey, realized that the town of 45,000...
Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an...
Some things we expect to change—fashion, technology, the way we communicate—and while innovations in areas prone to “the next big...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Insurance fraud. Sounds intense, right? Exaggerating numbers, false identities, court houses, laser beams, James Bond—fraud is the big time, people....
We’re sure your Twitter feed was inundated with updates and musings over the (some would say snowverrated) #Snowpocalypse of 2015. Winter...
According to numerous studies, we now spend approximately half of our waking hours looking at screens—around 8.5 hours on any...
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the New Jersey area, while also getting an insider view of the Garden State.
So, New Jersey students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.