# New Jersey minimum auto liability insurance

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, not quoted from the source)_
- **Bodily injury per person:** $35,000 _(verified: appears in the quote below)_
- **Bodily injury per accident:** $70,000 _(verified: appears in the quote below)_
- **Property damage per accident:** $25,000 _(verified: appears in the quote below)_
- **Issuing authority:** New Jersey Department of Banking and Insurance _(verified: appears in the quote below)_
- **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.

## 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

## Source

- https://nj.gov/dobi/division_consumers/insurance/standardpolicy.html

Last verified: 2026-08-10. Review by: 2027-02-06.
Part of [Minimum auto liability insurance limits by state](https://referencesource.org/auto-insurance-minimums/).