New Jersey Auto Insurance for First-Time Drivers
New Jersey requires 35/70/25 liability coverage and is a no-fault state.
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New Jersey at a Glance
35/70/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
16
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
New Jersey operates as a choice no-fault state, allowing drivers to select either a standard policy with Personal Injury Protection (PIP) and limited lawsuit rights, or a Basic Policy with lower coverage and full tort rights. All drivers must carry proof of insurance and file it electronically with the New Jersey Motor Vehicle Commission. The state imposes one of the nation's strictest penalty structures for driving uninsured, including immediate license suspension and mandatory surcharges.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
$406/mo
Typical monthly rate in New Jersey, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
11pm-5am
Passengers
no more than 1 passenger
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
The foundation of any policy—pays for injuries and property damage you cause to others. Your premium (the amount you pay monthly or annually) is determined by your coverage limits: higher limits mean better protection but cost more.
Full Coverage
Combines liability, collision (covers damage to your car in accidents regardless of fault), and comprehensive (covers theft, vandalism, weather, and animal strikes). Required by lenders if you finance or lease, and essential if you can't afford to replace your vehicle out-of-pocket.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, hail, flooding, fire, and hitting an animal. You choose a deductible (the amount you pay before insurance kicks in)—common options are $500, $1,000, or $2,000, with higher deductibles lowering your premium.
Collision Coverage
Pays to repair or replace your vehicle after hitting another car, object, or rolling over, regardless of who's at fault. Like comprehensive, you select a deductible—choosing $1,000 instead of $500 can reduce premiums 15–20%.
Uninsured Motorist Coverage
Steps in when an at-fault driver has no insurance or flees the scene. Covers your medical bills, lost wages, and vehicle damage up to your selected limits—think of it as insurance against other people's lack of insurance.