New Jersey Minimum Auto Insurance Requirements (2025)

This page summarizes state minimum auto liability requirements for New Jersey as recorded in the ru3.us Minimum Auto Liability Dataset (Version 2025.01).

These values are derived from a consolidated national reference and are intended for comparison, analysis, and educational use. They are not legal advice and may not reflect the most recent statutory changes.

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Minimum Required Liability Coverage in New Jersey

The following limits are recorded for New Jersey in the ru3.us liability dataset:

Coverage Type	Minimum Limit
Bodily Injury per person	Not specified in the initial reference dataset (see notes).
Bodily Injury per accident	Not specified in the initial reference dataset (see notes).
Property Damage per accident	$5,000

For full context and methodology, see the dataset documentation linked below.

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UM/UIM and PIP in New Jersey

Requirements for:

• Uninsured / Underinsured Motorist (UM/UIM) coverage
• Personal Injury Protection (PIP) or other no-fault benefits

are represented in the dedicated UM/UIM and PIP / No-Fault datasets.

In Dataset Version 2025.01, if the original reference did not explicitly describe a mandatory UM/UIM or PIP requirement for New Jersey, those fields are conservatively marked as "unknown" rather than assumed.

To review how New Jersey is represented:

• UM/UIM Dataset → /datasets/state-um-uim-minimum-coverage
• PIP / No-Fault Dataset → /datasets/state-pip-no-fault-coverage

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Dataset References

• Minimum Auto Liability Dataset (nationwide)
  • Documentation → /datasets/state-minimum-coverage-limits
  • CSV → /datasets/state-minimum-coverage-limits.csv
  • JSON → /datasets/state-minimum-coverage-limits.json
• UM/UIM Dataset
  • Documentation → /datasets/state-um-uim-minimum-coverage
• PIP / No-Fault Dataset
  • Documentation → /datasets/state-pip-no-fault-coverage

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Notes

• ru3.us follows a conservative interpretation rule. Where the underlying reference is silent, fields are marked "unknown" instead of inferred.
• Always confirm current legal requirements with your insurer, state insurance regulator, or statutory sources before relying on any minimums for compliance.