Coverage and service for the Garden State
If you live in New Jersey or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you're getting away to Atlantic City or heading to the ferry at Liberty State Park, we can be there for you.
Required car insurance coverage in New Jersey
New Jersey law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$35,000 limit per person $70,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$25,000 limit per accident |
Coverage |
Uninsured and underinsured motorists bodily injury and property damage |
Description |
This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
Minimum requirement |
You can have any available limit up to your bodily injury and property damage liability limits. |
Coverage |
Personal injury protection |
Description |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
Minimum requirement |
$15,000 limit |
Required car insurance coverage in New Jersey
New Jersey law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$35,000 limit per person $70,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$25,000 limit per accident |
Uninsured and underinsured motorists bodily injury and property damage |
This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
You can have any available limit up to your bodily injury and property damage liability limits. |
Personal injury protection |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
$15,000 limit |
New Jersey law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $35,000 limit per person $70,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $25,000 limit per accident |
| Coverage | Uninsured and underinsured motorists bodily injury and property damage |
| Description | This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
| Minimum requirement | You can have any available limit up to your bodily injury and property damage liability limits. |
| Coverage | Personal injury protection |
| Description | This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
| Minimum requirement | $15,000 limit |
Who’s eligible for USAA membership?
- Active-duty military
- National Guard and Reservists
- Veterans who have honorably served
- Contracted ROTC cadets and midshipmen
- Officer and warrant officer candidates
- Spouses and children of USAA members
- Service academy appointees
Who’s eligible for USAA membership?
- Active-duty military
- National Guard and Reservists
- Veterans who have honorably served
- Contracted ROTC cadets and midshipmen
- Officer and warrant officer candidates
- Spouses and children of USAA members
- Service academy appointees
New Jersey car insurance FAQ
If you’re moving to New Jersey or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.
Yes. Drivers are usually required to get personal injury protection or no-fault coverages in New Jersey. That means if you or your passengers are injured in a car accident, then your own auto insurance would help cover related medical costs no matter who caused the accident.