New Jersey (NJ) Car Insurance Requirements (2026)
The minimum you need
- Bodily injury per person
- $35,000
- Bodily injury per accident
- $70,000
- Property damage
- $25,000
Raised from 25/50/25 on January 1, 2026.
Choice no-fault state You choose at signup whether you're under no-fault rules or keep the full right to sue.
What else is required
PIP (personal injury protection): Required ($15,000)
Uninsured motorist: Required
Limits went up along with the 2026 liability increase.
Teen and new driver notes
If your family's policy was set up before 2026, check the renewal. The new minimums mean older policies at the old limits had to change.
New to all this? Start with the new driver guide.
Penalties for driving uninsured
Driving without insurance can mean fines and a suspended license and registration.
Penalty schedules change and vary by county. Confirm current fines with the New Jersey Department of Banking and Insurance before relying on this for a specific situation.