Coverage and service in the Garden State

New Jersey has 117 miles of iconic turnpike and 39,000 miles of highway. If you live in the Garden State, USAA offers a combination of coverage and service as moving as New Jersey. Whether you're getting away to Atlantic City or heading to the ferry at Liberty State Park, USAA can be there for you.

The average cost of car insurance in New Jersey

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

See note$201 See noteper month

The average monthly cost for all USAA auto policies issued in New Jersey in 2023.See note1

New Jersey car insurance coverage requirements

As of Jan. 1, 2024, New Jersey law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover costs for injuries or deaths to other drivers and their passengers if you're at fault for an accident.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for costs related to injuries or deaths to other vehicles' drivers and their passengers if you're at fault for an accident.

  • $25,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

  • Uninsured Motorist UM Coverage

    New Jersey requires at least $25,000 of bodily injury liability per person and $50,000 per accident. You must also have $25,000 of property damage liability. If you're in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage, you can get help from uninsured motorist coverage.

  • Personal injury protection PIP

    The PIP medical expense benefit is mandatory for drivers in New Jersey. This helps pay for medical expenses if you're involved in an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Reasons to choose USAA Auto Insurance in New Jersey

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note4 Here's what else you can expect with a USAA Auto Insurance policy.