New Jersey Car Insurance Rates - Auto Insurance Quotes in NJ
New Jersey's State motto: "Liberty and prosperity"There are many ways to save money in New Jersey, but there is only one way to save money on your car insurance. CarInsurance.com offers the leading Online Insurance Marketplace™ where you can compare great rates and get the most affordable insurance available in New Jersey. By comparing rates from multiple companies, you not only get the lowest rates, you also get a policy that fit your needs. We offer a convenient way to purchase your car insurance online after comparing rates, saving you time and money.
New Jersey state law requires minimum Bodily Injury Liability limits 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 with 15/30 UM limits.
New Jersey Coverage:
Basic PolicyProperty Damage Liability: $5,000 Limit
Personal Injury Protection: $15,000 Limit
Standard PolicyBodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
Uninsured Motorist Property Damage: $5,000 Limit
Personal Injury Protection: $15,000 Limit
*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.
The state of New Jersey follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
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.
To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).
Offering auto insurance for New Jersey residents in these cities and all of New Jersey... Get competitive car insurance rates for your city.
Quotes available in all of New Jersey, including:
New Jerseyites on average paid about $1,365 in insurance premiums in 2003, compared to the national average of about $914. Most people believe all these rates are fixed by insurance companies and state regulatory agencies, but in reality discounted and competitive rates are available in New Jersey, and CarInsurance.com is the best place to find them.
2007 had the first decrease in rates since 1999. 2007 had a .5% to 1% decrease in car insurance rate from 2006. In 2008 insurance companies are starting to raise rates. This is a typical cycle of rate fluctuations. CarInsurance.com has facilitated the rate fluctuations by bringing competition directly to the consumer and by lowering your costs through technology!
Visit the
U.S. Car Insurance Requirements page to see how New Jersey state laws compare to other states. You can also visit the
New Jersey Car Insurance Companies page to learn which companies are available for you in New Jersey.
Even within the state of New Jersey, rates have changed over the past few years. Comparing the current rate to the numbers from a few years back, the average auto insurance premium in 1999 was about $1,186, it increased 15.09% in 4 years! Don't waste your money paying high insurance premiums, start saving now by requesting an online quote from CarInsurance.com now.
It doesn't matter if you have a perfect driving record or if you are a high-risk driver, we work hard to find you the best rates available in New Jersey. With all the statistics on auto theft and car crashes, it is important to protect yourself and your property. We are constantly adding new carriers to our site so you can compare the rates of many carriers and you can purchase in one spot. We offer a site where you can compare the rates of multiple, reliable companies and purchase immediately online, or over the phone. Enter your zip code above to see how much you can save in the Garden State!
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