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In New Jersey, the minimum car insurance is 35/70/25: $35,000 per person and $70,000 per crash for injuries you cause, plus $25,000 for property damage. Required coverage: BI & PD Liability, PIP, UM, UIM. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
For new and renewal standard policies on or after Jan. 1, 2026 (NJ DOBI Bulletin 25-06). NJ also offers a Basic policy with lower limits.
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: New Jersey.gov. Confirmed against the official source 2026-10-12. Confirm with New Jersey's DMV or insurance department.
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35/70/25 (BI & PD Liability, PIP, UM, UIM): $35,000 per person and $70,000 per crash for injuries you cause, plus $25,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.