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Shopping for Auto Insurance in New Jersey
As of February 2006 Newark, NJ is the third most expensive city in the United States for car insurance. The average annual auto insurance premium in Newark, New Jersey is $3,977. Need to know how to save money on car insurance in New Jersey? Getting free car insurance quotes online is easy at; it’ll save you time, and it can save you money. Get a car insurance quote online from an agent in New Jersey now. When shopping for car insurance in New Jersey, remember, car insurance companies can take into consideration your credit history to generate your car insurance quote. However, automobile insurance companies in New Jersey that use credit scores cannot do the following:

Use insurance scores to deny, cancel, or non-renew coverage
Use insurance scores for consumers covered by Special Automobile Insurance Policy or Basic Policy programs
Use a scoring model that is discriminating or considers income, address, or unpaid medical bills
Offers less favorable payment plans based on credit.

Still looking for automobile insurance in New Jersey?
Go to and get a free no obligation quote from licensed auto insurance agents today. If you’re having a difficult time finding an insurance agent in New Jersey that will insure you, you may be able to find coverage through the assigned risk market where you would be purchasing insurance through the Personal Automobile Insurance Plan. The Personal Automobile Insurance Plan assigns each driver to an insurance company for coverage, your rates may be significantly higher than getting insurance normally.

New Jersey Automobile Insurance Requirements:
In New Jersey, car insurance is required. There are two common types of car insurance policies that can be purchased: standard and basic. Many consumers are reported as selecting the standard auto insurance policy as more coverage is provided, but is more expensive. The basic car insurance policy in New Jersey is sufficient enough to meet the basic requirements of New Jersey automobile insurance law. Under the basic car insurance policy, your liability coverage would be at least $5,000 in personal injury protection, $10,000 for liability coverage, and $10,000 for property damage.

The New Jersey Automobile Insurance Plan:
The standard auto insurance policy provides a number of different coverage options. The coverage that the standard policy sets as the minimum liability coverage is: 15/30/5, $15,000 per person injured, $30,000 per accident, and $5,000 in property damage, in addition to personal injury protection. Additionally, there is a minimum amount of Uninsured/Underinsured Motorist Coverage that is to be purchased for this car insurance policy and there is a comprehensive & collision coverage that is available as options to the policy. The standard auto insurance policy also provides up to $250,000 in necessary medical treatment.

With each car insurance policy you can select either the “Unlimited Right to Sue” or “Limited Right to Sue.” Selecting the “Limited Right to Sue” can save you money on your car insurance, but it limits your right to sue the person who caused the accident to:

Loss of a body part
Significant disfigurement/significant scarring
Displaced fracture
Loss of a fetus
Permanent injury
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