Car-insurance requirements in New Jersey (2026)
New Jersey’s minimums rose at the start of the current year to 35/70/25 in the usual shorthand, and the increase is already in force. It is also an opt-in state for full tort, which is the opposite default from Pennsylvania.
- Minimum liability limits
- 35/70/25
- Fault system
- Choice no-fault
- Tort threshold
- verbal
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $35,000 | required | N.J.S.A. §39:6B-1 (P.L. 2022 c.32) |
| Bodily injury liability, per accident | $70,000 | required | N.J.S.A. §39:6B-1 (P.L. 2022 c.32) |
| Property damage liability | $25,000 | required | N.J.S.A. §39:6B-1 (P.L. 2022 c.32) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
This is the live proof of why a scheduled change has to be a dated record rather than a hand-maintained figure. A page authored before the effective date and never revisited still shows the old limits today. On this site the change is data with an effective date, the build refuses to run if a scheduled date has already passed, and the figure moves itself.
How old is this minimum?
New Jersey’s $25,000 property-damage minimum took effect in 2026. $25,000 in January 2026 corresponds to $25,669 at the June 2026 price level, measured on the Bureau of Labor Statistics all-items index (CUUR0000SA0). The limit has not moved; what it buys has.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against New Jersey’s minimum of $25,000 leaves $17,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in New Jersey
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for New Jersey
No regulator-published premium data exists for New Jersey
New Jersey’s insurance department does not publish a per-insurer premium comparison, so this site shows no premium figures for New Jersey at all. We will not substitute a figure from a quote engine, a trade body or a national aggregate: none of those is a published record of what insurers filed in New Jersey.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
New Jersey — minimum limits 35/70/25
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $35,000 | required | N.J.S.A. §39:6B-1 (P.L. 2022 c.32) |
| Bodily injury liability, per accident | $70,000 | required | N.J.S.A. §39:6B-1 (P.L. 2022 c.32) |
| Property damage liability | $25,000 | required | N.J.S.A. §39:6B-1 (P.L. 2022 c.32) |
Fault system: Choice no-fault — verbal threshold (N.J.S.A. §39:6A-8).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about New Jersey
- What is the minimum car insurance required in New Jersey?
- New Jersey requires liability limits of 35/70/25 under N.J.S.A. §39:6B-1 (P.L. 2022 c.32).
- Is New Jersey a no-fault state?
- New Jersey operates choice no-fault with a verbal tort threshold.
- What does car insurance cost in New Jersey?
- No regulator publishes premium data for New Jersey, so this site shows no premium figures for New Jersey. We do not substitute a figure from a quote engine or a national aggregate.
Statutory records for New Jersey last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.