Skip the auto shop - Our mechanics make house calls
  1. Home
  2. Articles
  3. Insurance Requirements for Car Registration in New Jersey

Insurance Requirements for Car Registration in New Jersey

Insurance Requirements for Car Registration in New Jersey

All registered vehicles in New Jersey are required to be covered by three types of liability insurance, or “financial responsibility.” The minimum financial responsibility requirements for New Jersey drivers are as follows:

  • A minimum of $5,000 for liability insurance, which pays for damages that you cause to other people’s property.

  • A minimum $15,000 for personal injury protection, which pays for medical expenses if you or other people on your policy are injured in an accident, regardless of who was at fault. This is also called “no-fault insurance” by many insurance providers.

This means that the total minimum amount of financial responsibility you will need is $20,000 to cover liability insurance and personal injury protection or “no-fault insurance.”

  • New Jersey law also requires that your insurance policy include uninsured or under-insured motorist coverage, which protects you in the event you are in an accident with a driver who does not carry the legally required liability insurance.

Special Automobile Insurance Policy Program

Citizens of New Jersey that are enrolled in federal Medicaid are eligible for the New Jersey Special Automobile Insurance Policy program, or SAIP. This is a low-cost insurance policy that pays for medical costs after a car accident. Most authorized New Jersey insurance providers offer plans under the SAIP.

Proof of insurance

New Jersey has very strict regulations for what constitutes proof of insurance. All authorized insurance companies in New Jersey are required to issue New Jersey Identification Cards for each vehicle that is covered under a policy. This card is the only valid form for proof of insurance, and must meet the following regulations:

  • The card must be made of white cardstock that is at least 20 lb weight.

  • The card must be between three by five inches, and five and a half by eight and a half inches.

Each card must display the following information:

  • The insurance company’s name

  • The names of all people covered on the policy, and their associated addresses, which must be listed on the back of the card, and must be identical to the address they use for medical purposes.

  • The insurance policy number

  • The effective and expiration dates of the insurance policy

  • The vehicle’s make, model, and vehicle identification number

  • The heading “State of New Jersey Insurance Identification Card”

  • The authorized insurance company code

  • The name and address of the insurance company or agency

This card must be presented before an inspection, at the scene of an accident, in the event you are stopped for a traffic violation, or when any law enforcement officer spot checks your vehicle.

Violation penalties

Failing to present proof of insurance may result in fines. If you are caught driving an uninsured vehicle in New Jersey, you may face certain penalties including:

  • Fines

  • Community service

  • License suspension

  • Insurance surcharges

For more information, contact the New Jersey Motor Vehicle Commission through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How Long Does a Vacuum Brake Booster Check Valve Last?
The braking system on your car requires a lot of pressure. The vacuum booster is one of the main sources of this pressure. This booster will take the pressure that...
P0222 OBD-II Trouble Code: Throttle/Pedal Position Switch/Sensor B Circuit Low Input
P0222 code definition Throttle/Pedal Position Switch/Sensor B Circuit Low Input What the P0222...
The Traveler’s Guide to Driving in Malaysia
CraigBurrows / Shutterstock.com Malaysia is a popular destination for many tourists today. The country has amazing sights and attractions that you will want to explore....


Related questions

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....

Q: My park 2003 Cadillac Escalade was hit on the front driver side knock a foot from where it was parked and back up on the center is.

Due to the collusion on the vehicle, the exhaust system was damaged and causing excessive air to get into the exhaust before the oxygen sensors. If the engine light was not on before the accident and now it is on,...

Q: A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...