Competitive New Jersey Auto Insurance Rates

While New Jersey is the third-smallest state in the country, it is the most densely populated of all 50 states. The Garden State has a population of nearly nine million people despite its diminutive size. New Jersey is also a remarkably wealthy state, boasting the second-highest median income in the nation. New Jersey has a convenient position among sprawling metropolises such as New York City, Boston, Baltimore, Philadelphia, and Washington, D.C. Given the large number of people living in a very small area, the need for New Jersey car insurance is especially acute. Because of its high population density, New Jersey has the second-highest auto insurance premiums in the U.S. after Washington, D.C. Fortunately, New Jersey auto insurance does not have to cost a fortune when you shop wisely for your policy.

The most effective way to minimize your car insurance costs is to compare multiple New Jersey car insurance quotes from respected providers. You can do so in one of two ways. You can either browse dozens of sites looking for the best price on New Jersey auto insurance, trying to compare apples and oranges in the process. Alternatively, you can have all of the research done beforehand for you when you request New Jersey auto insurance quotes through our site. You can view up to five free quotes on New Jersey car insurance by simply selecting your state above or selecting your city or county from the dropdown menu available at the bottom of this page. You will receive relevant, local quotes that are the most accurate and affordable for your specific region of New Jersey.

At CarInsuranceRates.com, we don't believe in the one-size-fits-all policy. Our visitors have the freedom to customize the policies they would like prior to requesting quotes. You will receive New Jersey car insurance quotes tailored to your individual needs and budgetary constraints. If you have questions or comments along the way, you are more than welcome to contact us using the 1-800 number provided at the top of this page. Our experienced representatives welcome your calls and can offer you valuable input on how to find the most affordable New Jersey auto insurance quotes.

Purchasing car insurance can be difficult enough without having to wonder if your insurance policy complies with New Jersey auto insurance requirements. For this reason, experts recommend that drivers unfamiliar with state policies touch base with the New Jersey Department of Banking and Insurance located in Trenton to find out the particulars of New Jersey auto insurance laws. New Jersey drivers are some of the most thoroughly insured in the United States. New Jersey is a no-fault state, which means that in the event of an accident, each individual will be covered by his/her own insurance policy, regardless of fault. New Jersey adopted the no-fault policy in an attempt to limit the number of auto-accident liability lawsuits brought forth every year.

New Jersey car insurance laws permit few exceptions to the no-fault liability law. Occasionally, if the victim suffers severe enough injuries, and his/her medical bills are excessive enough, then the state will deem the driver responsible for the accident liable for the victim's expenses. For this reason, all New Jersey drivers need an auto insurance liability policy. Minimum liability levels in New Jersey are fifteen thousand dollars for medical expenses incurred by a single driver, thirty thousand dollars for the combined medical expenses of the driver and all of their passengers and five thousand dollars in property damages, including those inflicted upon the victim's vehicle. Since medical bills and repair costs can quickly soar over the amounts, and the insured will be held personally responsible for the excess, insurance experts strongly recommend that drivers purchase more than the minimum liability insurance.

Because of its no-fault status, New Jersey also requires its drivers to be covered by PIP, or personal injury protection, insurance. This will pay not only for the policyholder's medical expenses but will also help with lost wages and funeral expenses (if necessary) and may be extended to the other occupants of the vehicle in the event of an accident. Drivers covered by a good health insurance policy may choose to purchase only the minimum level of PIP coverage. Uninsured motorist coverage is an essential requirement for NJ residents because of its proximity to NYC; New York does not require that its drivers purchase liability insurance. Uninsured motorist insurance will help pay for medical expenses and repair costs of those drivers who are involved in an accident with a driver who does not carry insurance, drivers whose insurance is inadequate to pay for the damages inflicted, or those insured who find themselves the victims of a hit and run.