New Jersey Car Insurance (NJ)

The state motto of New Jersey is:: "Liberty and Prosperity."

Prosperous is one feeling you may have after finding a great car insurance quote online. New Jersey car insurance is something you have to be careful with. While the state of New Jersey applies the No-Fault system- meaning that if you are in an accident, your insurance carrier will pay your injury claims regardless of who caused the accident (up to a specified limit), there may be detail variations regarding the no-fault system. To better understand New Jersey car insurance, check with your state insurance regulator for regulations. For the best rates, you can always visit www.InsuranceUSA.com.



When it comes to New Jersey car insurance, the state law for New Jersey requires a minimum coverage of $15,000 for Bodily Injury Liability per injured person. It also requires up to a maximum of $30,000 per accident. The minimum state requirement for Property Damage Liability coverage is $5,000. This type of coverage is generally referred to as 15/30/5 coverage.

What happens if you don't get car insurance in New Jersey? Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify the department of motor vehicles of all policy cancellations, non-renewals, and new policies.

If this is the case with you, the law enforcement officer will know it and it could cause you huge fines or worse. Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. This can be expensive to the vehicle owner. Be sure that you follow the New Jersey car insurance laws!

Although New Jersey car insurance does not require a minimum Personal Injury Protection (PIP), there are advantages to having this type of coverage. For example, if you ever have an accident, PIP will pay for your and your passengers' medical expenses.

Another type of optional coverage you can consider getting is Uninsured/ Underinsured Motorist Coverage. This coverage will help pay for any injury resulting from an accident caused by an uninsured driver. You can choose to purchase this added protection, although state law for New Jersey car insurance does not require it.

New Jersey car insurance is really not that complicated. While many residents in The Garden State will get their insurance in the traditional way, make sure you compare New Jersey car insurance rates from multiple car insurance companies to get the best rate. You can call each car insurance company directly or you can shop for auto insurance online.

Shopping for auto insurance online can be faster and more convenient.- you should consider saving money and going to www.InsuranceUSA.com.

Major New Jersey Cities

280,666	Newark	239,614	Jersey City	149,843	Paterson
125,809	Elizabeth	100,499	Edison	92,000	Toms River
84,639	Trenton	80,010	Camden	79,922	Clifton
78,155	Brick	71,821	Cherry Hill	68,338	Passaic
68,190	East Orange	65,128	Union City	59,987	Bayonne
58,876	Irvington	58,164	Vineland	57,691	North Bergen
55,326	Union	55,150	Wayne	51,616	Parsippany-Troy Hills
50,156	New Brunswic	48,797	Perth Amboy	48,256	East Brunswick
47,642	Plainfield	46,667	West New York	46,146	Bloomfield
44,230	West Orange	43,735	Hackensack	43,017	Sayreville
41,000	Lakewood	40,368	Atlantic City	40,014	Linden
39,900	Hoboken	39,673	North Brunswick	39,635	Teaneck
38,771	Kearny	37,798	Montclair	37,237	Ewing
37,175	Fort Lee	35,528	Pennsauken	34,901	Belleville
34,200	Orange	33,127	Willingboro	32,091	Long Branch
31,408	Fair Lawn	29,918	Westfield	29,772	Garfield
28,181	West Milford	27,886	Millville	27,743	Livingston
27,563	Rahway	27,455	Nutley	26,545	Paramus
26,300	Mercerville-Hamilton Square	26,207	Englewood	26,056	Bergenfield
24,790	Ridgewood	24,400	Old Bridge	24,310	Lodi
23,959	Bridgeton	23,500	Somerset	23,212	Scotch Plains
23,124	Maplewood	23,064	South Plainfield	23,035	Cliffside Park
22,478	Cranford	21,743	Hillside	21,608	North Plainfield
21,460	Carteret	21,265	Roselle	21,200	Summit