New Jersey Car Insurance

Auto Insurance Coverage in NJ—The Basics

Did you just move to the Garden State? Or have you lived in New Jersey your whole life and are just shopping for car insurance rates? Perhaps you're a first time car-buyer in New Jersey and want a GEICO policy.

Whatever your reason may be, you will want to review the many car insurance options that are available. Take a look at the facts below as you search for the auto insurance coverage that's a perfect fit for you. You can start your New Jersey car insurance quote online or call us at (800) 947-AUTO (2886).

Standard vs. Basic Policies In New Jersey

There are two common types of New Jersey auto insurance policies; standard and basic. The standard policy provides numerous coverage options and the option to buy additional protection. This is the policy purchased by most New Jersey drivers.

New Jersey drivers must have an insurance ID card for each vehicle on their policy. You'll be required to show your NJ insurance card in certain situations.  

  • If you scheudule a NJ vehicle inspection
  • If you're involved in an accident
  • If you are stopped by a police officer

Failure to present your insurance card could result in fines.

Required Coverage In New Jersey

All vehicles in New Jersey must have the following types of insurance: Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.

  • Bodily Injury Liability Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
  • Property Damage Liability Coverage: Minimum coverage level is $5,000 per accident
  • Personal Injury Protection (PIP): Minimum coverage level is $15,000
  • Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
  • Uninsured/Underinsured Motorist Property Damage Coverage: Minimum coverage level is $5,000 per accident with a $500 deductible

What is New Jersey tort?

In New Jersey, you have the option to carry either Full or Limited Tort.  With Full Tort you retain the right to sue the negligent party for pain and suffering as a result of an accident, regardless of the severity of your injury. Limited Tort is a less expensive option because you agree to limit your ability to sue for pain and suffering unless you sustain a catastrophic injury. Speak with a GEICO insurance expert if you are unsure of which option you prefer.

Important Information on Personal Insurance Protection (PIP) Claims for Jersey State

In accordance with the car insurance claims requirements for the State of New Jersey, documents related to GEICO New Jersey's Decision Point Review Plan and Pre-certification plan can be reviewed via the link above.

New Jersey Teen Driver Laws

In New Jersey, teens may apply for a student learner's permit at 16. After the new driver obtains his or her permit, he or she must drive supervised for at least six months. The driver may not be on the road between 11:01 pm and 5:00 am and must be accompanied in the passenger seat by an adult supervising driver who is at least 21 years old, has a valid NJ driver's license, and has at least three years of driving experience. Parents or guardians are allowed as passengers, but not siblings.

At 17, drivers may get their probationary license, which permits them to practice unsupervised driving. While the driver may be on the road unsupervised, the rest of the student learner's permit rules apply. When the driver turns 18, he or she is eligible for a full driver's license.

Make sure you notify us when any dependent or household resident obtains a license or a permit so we may review your policy coverages.

Through GEICO, student drivers with a "B" average or better may be eligible for Good Student Discount. Check with a GEICO agent to verify requirements.