Car insurance in New Jersey
New Jersey drivers choose between a Basic and a Standard policy, and between limited and unlimited rights to sue. Those choices change the price.
- Insurance regulator
- New Jersey Department of Banking and Insurance
- Licenses insurers and handles consumer complaints.
- Liability system
- Choice no-fault
- Drivers choose between no-fault cover with limits on lawsuits and a policy that keeps the full right to sue.
- Insura model tier
- Elevated-cost tier
- A model assumption, not an official ranking. The calculator adjusts the baseline by +10% for New Jersey.
- Average premium
- Not yet published
- Insura will add this when it can cite a source.
- ZIP-level costs
- Not yet published
- The calculator currently adjusts by state only.
Insurance rules change. Confirm current requirements with the New Jersey Department of Banking and Insurance before you buy or change a policy.