Standard New Jersey Auto Insurance

There are two common types of New Jersey auto insurance policies:

STANDARD NEW JERSEY AUTO INSURANCE POLICY — The Standard Policy provides a number of different coverage options and the opportunity to buy additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers.

BASIC NEW JERSEY CAR INSURANCE POLICY — The Basic Policy usually costs significantly less than a Standard Policy, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The Basic Policy is an option for those with few family responsibilities and few assets to protect.

Coverages

Standard New Jersey Auto Insurance Policy

Basic New Jersey Car Insurance Policy

Bodily Injury Liability

As low as $15,000 per person, $30,000 per accident

As high as $250,000 per person, $500,000 per accident

Coverage is not included, but $10,000 for all persons, per accident, is available as an option

Property Damage Liability

As low as $5,000 per accident

As high as $100,000 or more

$5000 per accident

Personal Injury Protection (PIP)

As low as $15,000 per person per accident

As high as $250,000 or more

Up to $250,000 for a permanent or significant injury regardless of selected limit

$15,000 per person per accident

Up to $250,000 for a permanent or significant injury

Uninsured / Underinsured Motorist Coverage

Coverage is available up to amounts selected for liability coverage

None

Collision

Available as an option

Available as an option (from some insurers)

Comprehensive

Available as an option

Available as an option (from some insurers)