Learn about your coverage options so you can choose the New Jersey auto insurance that’s right for your needs, goals and budget.
New Jersey car insurance coverage your policy must have
As a resident of New Jersey, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
- Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
- Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
The minimum amount of New Jersey auto insurance coverage is $15,000/$30,000/$5,000. In the event of a covered accident, your limits for bodily injury are $15,000 per person, with a total maximum of $30,000 per incident. It also covers up to $5,000 for damage to another person’s property.
Liability coverage also provides for your legal defense if a lawsuit is brought against you as a result of a covered accident.
New Jersey auto insurance coverage that’s smart to have
It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:
This type of New Jersey auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.
Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).
Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or whose insurance limits are not enough to reimburse you for damages they caused.
- Bodily injury helps pay for damages due to bodily injury that you and others are legally entitled to from another driver who is not insured or is underinsured.
Personal injury protection (PIP)
Reimburses a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians).
Tailor your policy with these options
With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.
Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
Good as new vehicle replacement
This feature has various options that offer greater coverage for your new vehicle.
If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.