Liability in New Jersey

Liability insurance averages about $620 per year nationally. In New Jersey, the overall average car insurance premium is $1,970/yr ($244 above the national average). Actual liability costs vary based on your driving record, vehicle, and insurer.

Liability is not specifically mandated as a standalone requirement in New Jersey, though related coverage may be required. New Jersey requires: 15/30 / 5 liability.

Covers bodily injury and property damage you cause to others in an accident. Required in nearly every state. Typical limits are Varies by state and provider. This is a recommended coverage type.

New Jersey uses a no-fault insurance system. In at-fault states, the at-fault driver's insurance pays for damages. This can influence the importance and cost of liability coverage.

To save on liability in New Jersey: compare quotes from multiple insurers, ask about discounts (safe driver, bundling, low mileage), consider higher deductibles where applicable, and maintain a clean driving record. The cheapest insurer in New Jersey is GEICO, while Allstate tends to be the most expensive.