NJ · educational prototype
New Jersey minimum auto liability
Commonly cited minimum
15/30/5 plus PIP and other required elements (confirm package)
Notation is educational (BI per person / BI per accident / PD). Exact wording and required extras vary—confirm before you buy.
What this means
New Jersey uses a no-fault framework with personal injury protection (PIP) and bodily injury/property damage minimums that must be read as a package. Marketing labels like “basic” or “standard” policies map to specific coverage combinations—verify the actual limits on the declarations page.
Verify the source
Cross-check current requirements with the official regulator: New Jersey Department of Banking and Insurance. PolicyPlain does not publish bindable legal advice.
National orientation: NAIC consumer resources and Insurance Information Institute.
No-fault / PIP orientation
PIP is designed to pay certain medical and related expenses without waiting for fault to be decided, subject to policy limits and coordination rules. BI liability still matters when you injure others or when lawsuits are permitted under the policy’s lawsuit threshold election. Confirm current PIP options and default packages with NJ DOBI consumer materials.
Lawsuit threshold
Policies often include a verbal or zero threshold selection that affects when an injured person can sue for pain and suffering. This is not a detail to guess from memory—match the threshold named on your quote to the state’s current consumer guides before you bind coverage.
Minimum ≠ enough
State minimums set a legal floor. Serious injuries and modern vehicle values often exceed those floors. Use our auto coverage planner to think through limits educationally.
Canonical URL for sharing: https://policyplain.org/states/new-jersey