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New Jersey Car Insurance Resources

New Jersey Car Insurance

Car Insurance Rates in NJ

^ From 2006 to 2010, New Jersey cities had the 2nd highest auto insurance rates in the nation. [2]

Car Insurance in NJ by City

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Cars Insured in NJ

^ New Jersey ranked 12th of all U.S. states in total auto insurance policies in 2011. [1]

NJ Car Insurance

Car Insurance in New Jersey

Car Insurance Liability Requirements in New Jersey

  • Minimum Liability Limits in NJ: 15/30/5 [4]
    • 15  Required coverage up to $15,000 for one individual injured in an accident
    • 30  Required coverage up to $30,000 for all persons injured in an accident
    • 5  Required coverage up to $5,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
    • Note: Basic policy (optional) limits are $10,000/$10,000/$5,000. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured motorist coverage is required under the standard policy.

Required Car Insurance Coverage in New Jersey

Required Car Insurance Coverage in New Jersey
  • Auto Insurance Coverage Requirements in NJ [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in New Jersey

  • Insurer Verification of Auto Insurance in NJ [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

New Jersey Car Insurance Facts, Estimates & Related Laws

New Jersey Car Insurance Facts

New Jersey Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in NJ
    • New Jersey had the 1st highest auto insurance rates in the nation in 2010. [2]
    • Rates in NJ ranked 2nd in the nation in 2009. [2]
    • In 2008, NJ had the 3rd highest rates in the country. [2]
  • Number of Auto Insurance Policies in NJ
    • New Jersey ranked 12th in the nation in auto insurance policies in 2011 with a total of 5,358,929. [1]
  • Uninsured Motorist Rate in NJ
    • The uninsured motorist rate in NJ ranked 31st in the nation in 2009. [3]

New Jersey Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to learner's permit and intermediate license holders. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

New Jersey Automotive Laws

  • Safety Belt Laws in NJ
    • Safety belt laws have been in place since 1985 and apply to drivers/passengers 7 years and younger and more than 80 pounds; 8+ in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 80 pounds. [7]
  • Motorcycle Helmet Laws in NJ
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in NJ
    • Renewal cycle: 4 years [7]

New Jersey Auto & Driver Facts

New Jersey Automotive Facts

New Jersey Auto & Driver Facts
  • Speed Limits in NJ
    • Rural interstates: 65 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in NJ
    • New Jersey cities collectively ranked 11th in the nation in total motor fuel consumption in 2011. [9]

New Jersey Licensed Drivers

  • Licensed Drivers in NJ [10]
    • Total Drivers: 5,977,458
    • Female: 3,042,562
    • Male: 2,934,896
    • NJ has the 12th most drivers in the U.S.
  • Minimum Driving Age in NJ [5]
    • New Jersey has a minimum driving age of 16 years.

New Jersey Auto Registrations

  • Auto Registrations in NJ [8]
    • Registered Cars: 4,416,631
    • Registered Trucks: 3,172,253
    • Registered Motorcycles: 330,489
    • Total Registrations: 7,939,956
    • Rank: New Jersey ranked 9th in the United States in total auto registrations in 2011.

Additional information about New Jersey

About New Jersey

New Jersey has a population of approximately 8,791,894, which ranks 11th in the U.S. among all states. [6]

NJ Car Insurance

More about New Jersey auto insurance

For more information about auto insurance in NJ, or for additional resources regarding New Jersey car insurance, visit the New Jersey Department of Insurance.

Did you know?

Only three states (Arizona, Montana, and South Carolina) do not have any ban in place on texting while driving.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

New Jersey Cities