New Jersey minimum auto liability insurance
$35,000
Minimum bodily injury liability per person, per the state's own statute or insurance department page, quoted below.
For New Jersey minimum auto liability insurance, bodily injury per person is $35,000; bodily injury per accident is $70,000; property damage per accident is $25,000, recorded from its source on 2026-08-10.
- State
- New Jersey our reading
- Bodily injury per person
- $35,000 verified
- Bodily injury per accident
- $70,000 verified
- Property damage per accident
- $25,000 verified
- Issuing authority
- New Jersey Department of Banking and Insurance verified
- Notes
- These are the minimum ('as low as') limits for New Jersey's Standard Auto Insurance Policy, which the source states can go as high as $250,000 per person / $500,000 per accident for bodily injury and $100,000 or more for property damage. New Jersey also offers a Basic Policy, which the source states does not include bodily injury liability coverage by default (though $10,000 coverage for all persons per accident is available as an option) and carries a lower property damage liability minimum of $5,000 per accident.
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
Bodily Injury Liability Coverage for claims and lawsuits by people injured as a result of an auto accident you cause | As low as: $35,000 per person, $70,000 per accident As high as: $250,000 per person, $500,000 per accident | Coverage is not included but $10,000 coverage for all persons, per accident, is available as an option | Property Damage Liability Coverage for claims and lawsuits by people whose property is damaged as a result of an auto accident you cause | As low as: $25,000 per accident As high as: $100,000 or more | $5,000 per accident
— nj.gov, retrieved 2026-08-10
Source
- nj.govhttps://nj.gov/dobi/division_consumers/insurance/standardpolicy.html