New Jersey
- ~$70–$90
- ~$210–$250
- $15K/$30K/$5K
New Jersey features some of the highest car insurance rates in the nation due to dense urban populations, high accident frequency, and a complex no-fault system. The state mandates Personal Injury Protection (PIP) and has strict proof-of-insurance requirements.
Find a local Auto Insurance agents in your town:
New Jersey Auto Insurance Facts *
Drivers
- ~6.5–6.7 million licensed drivers as of 2023.
- ~85% vehicle ownership among households.
- High use of sedans and compact cars.
- Uninsured driver rate around 11%.
- Extensive public transportation system, especially in urban centers.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~120,000 | ~35,000 | 650 |
| 2019 | ~122,500 | ~36,500 | 680 |
| 2020 | ~110,000 | ~31,000 | 600 |
| 2021 | ~115,000 | ~33,500 | 620 |
| 2022 | ~118,000 | ~34,500 | 640 |
Laws & Regulations
- No-fault insurance system with mandatory PIP.
- Proof of insurance required at registration.
