Who regulates auto insurance in New Jersey?

The New Jersey Department of Banking and Insurance (DOBI) licenses carriers and agents and regulates the auto insurance market. Visit state.nj.us/dobi/ for consumer resources.

What is the difference between New Jersey's Basic and Standard auto insurance policies?

The Basic Policy has minimal liability limits and no bodily injury coverage by default, with limited PIP. The Standard Policy provides full liability, bodily injury, and PIP options. Most drivers should evaluate the Standard Policy for adequate protection.

Is New Jersey a no-fault state?

New Jersey has a modified choice no-fault system. Standard Policy holders choose between Limitation on Lawsuit (no-fault) and Unlimited Right to Sue (tort) options.

Why is car insurance expensive in New Jersey?

New Jersey's high population density, I-95 and Turnpike traffic, above-average litigation rates, and high vehicle repair costs from a largely metro area all drive above-average premiums.

How do I compare auto insurance in New Jersey?

Compare Standard Policy quotes across multiple carriers. The DOBI at state.nj.us/dobi/ has consumer resources. The NAIC at naic.org has carrier complaint ratios.

Car Insurance in New Jersey

New Jersey consistently ranks among the most expensive auto insurance markets in the US, driven by high population density, heavy I-95/NJ Turnpike traffic, high litigation rates, and above-average vehicle repair costs.

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