Car insurance in New Jersey is the most expensive in the U.S. The average car insurance policy in New Jersey is over $700 more expensive than the national average. While it may sound like bad news, it does mean you have considerable room for savings by shopping around.

You must first determine how much car insurance you need. The minimum requirements for New Jersey include:

• 15/30/5 liability insurance
• 15/30/5 underinsured/uninsured motorists insurance
• 15,000 personal injury protection

If you own an older vehicle that has lost much of its value and is paid for, then you should consider purchasing only the required minimum

If you have a newer vehicle, then you should consider comprehensive and collision insurance. If you are still paying for the vehicle, your lender will most likely require you to purchase car insurance that will include both.

The limits of these policies will be up to you and your lender. The lender will have minimum monetary limits you must purchase. You can add to that if you feel you would like more coverage.

You can also add on coverage options such as roadside assistance and new car replacement. To find out just how much your budget will bear, take the time to get auto insurance quotes. Mix and match monetary limits and coverage options to see which gives you the optimum car insurance in New Jersey without going over your budget.

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New Jersey Car Insurance Liability

The current levels for New Jersey car insurance liability are set at 15/30/5. This means that you must have at least $15,000 to cover one person in an accident, $30,000 to cover a group of people in an accident, and $5,000 to cover property damages from an accident. You may choose a higher level of coverage if you desire.

New Jersey Car Insurance Choices

New Jersey supplements the liability insurance with the Uninsured Motorist Protection and Personal Injury Protection. The UM coverage should be the same as your liability insurance, but PIP is set as a minimum of $15,000. You may not exceed a total coverage of $250,000 for PIP, though, as mandated by the state. You may choose to also increase certain aspects of this part of New Jersey car insurance.

Road Laws for New Jersey Car Insurance

The state of New Jersey follows the no-fault policy, but gives its citizens the ability to follow the tort policy and sue for damages caused during an accident. This is up to each individual and based on the extent of an accident. Regardless, you need to make sure that your New Jersey car insurance coverage is adequate. If you would like to obtain a free quote for New Jersey car insurance, enter your zip code at the top of the page.

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