Personal Injury Protection (PIP) in New Jersey

Personal Injury Protection (PIP) insurance averages about $210 per year nationally. In New Jersey, the overall average car insurance premium is $1,970/yr ($244 above the national average). Actual personal injury protection (pip) costs vary based on your driving record, vehicle, and insurer.

Personal Injury Protection (PIP) 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 medical expenses for you and passengers regardless of fault. Required in no-fault states. 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 personal injury protection (pip) coverage.

To save on personal injury protection (pip) 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.