How It Works
Enter your ZIP code and tell us what coverage you are looking for in New Jersey
See what New Jersey requires and compare quotes from licensed carriers
Choose coverage that meets New Jersey requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
New Jersey requires minimum liability coverage on every vehicle. In a multi-car policy, each vehicle must carry at least the state minimum, but you can add higher limits to any vehicle without changing coverage on the others.
Full Coverage Car Insurance
Full coverage adds collision and comprehensive to liability. In a multi-car policy, you can put full coverage on one vehicle and liability only on another — the multi-car discount applies to the whole policy regardless of per-vehicle coverage levels.
Uninsured Motorist Coverage
New Jersey requires uninsured and underinsured motorist coverage on every policy. In a multi-car policy, this coverage applies across all listed vehicles and protects you when an at-fault driver lacks adequate insurance.
Personal Injury Protection
New Jersey requires Personal Injury Protection on every auto policy. PIP covers medical expenses and lost wages for you and your passengers regardless of fault, and applies to all vehicles on a multi-car policy.
