New Jersey Car Insurance Requirements for Drivers

While SafeAuto® does not currently offer coverage in New Jersey, we can help you find the New Jersey Car Insurance coverage you desire. 

If your home is in Asbury Park, Ocean City or anywhere in between, SafeAuto® wants to help you find auto coverage that can meet your needs.   A good starting point is understanding the minimum requirements for liability insurance in New Jersey:

New Jersey’s Financial Responsibility law requires you to maintain liability limits of at least:

  • $15,000 because of bodily injury to or death of one person in any one accident
  • $30,000 because of bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit
  • $5,000 because of injury to or destruction of property of others in an accident

Such coverage is often written as 15/30/5 or 15,000/30,000/5,000


Under New Jersey law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials.  In addition, insurers must report policy terminations to the DMV.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, including driver’s license suspension for up to two years, fines ranging from $300 to $5,000 and possible imprisonment for 14 to 30 days.

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.

So, while SafeAuto® does not currently offer auto insurance coverage in the Garden State, we can help you find the affordable New Jersey auto insurance coverage you need.