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new jersey car insurance

New Jersey driving can get hectic — hey, it's the most densely populated of all 50 states … and there's only so much road. When you entrust your ride to Esurance, however, you can keep your driving experience downright rosy in the Garden State.

Esurance started offering car insurance in NJ back in 2005. And we've made it our mission to ease motorist stress (along with their grip on the wheel). For starters, we offer 24/7 customer service so you can get assistance when it matters most.

And of course, nothing makes drivers smile like our bounty of discounts (the first of which you earn just for getting your New Jersey car insurance quote online!) So why wait? Start your Esurance policy today.

New Jersey car insurance discounts offered by Esurance

You know the old saying: The littler the state, the bigger the car insurance discounts (trust us, that's a saying.)

When you get a New Jersey auto insurance quote from Esurance, you may qualify for some of these discounts built to save drivers a bundle:

  • Fast 5® discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Claim-Free discount
  • Switch & Save® discount
  • Defensive Driver discount
  • Good Student discount
  • Anti-Theft discount

Discounts are subject to eligibility. If you're already an Esurance policyholder and need clarification on your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

Esurance Renters Plus® discount*

The Renters Plus discount is one of our neatest New Jersey car insurance discounts (not to mention simplest). Just by adding renters coverage to your car insurance policy, you could qualify for savings on your auto insurance rates.

Having renters coverages is also the best way to protect your valuables from theft and damage (talk about a win-win).

Required New Jersey car insurance coverages

A standard New Jersey car insurance policy tends to be more expensive, but it provides more coverage because bodily injury coverage is included. A standard policy's minimum limits include:

  • $5,000 property damage liability coverage per incident
  • $15,000 PIP coverage per person
  • $15,000 bodily injury liability per person, $30,000 per incident
  • Uninsured/underinsured motorist coverage up to your selected liability coverage limits

New Jersey no-fault insurance

New Jersey is a no-fault state, which means that your post-accident medical expenses will be covered by your own insurer regardless of who caused the crash.

Basic vs. standard policies in New Jersey

Drivers are required to choose between 2 types of New Jersey no-fault policies: basic and standard.

A basic New Jersey auto insurance policy, which is typically less expensive, meets the state's minimum coverage requirements. With the basic policy you get:

  • $5,000 property damage liability coverage per incident
  • $15,000 personal injury protection (PIP) per person for each incident

Bodily injury liability coverage of up to $10,000 per person can be added after you get your quote. With the basic policy, uninsured/underinsured motorist coverage isn't available.

New Jersey PIP coverage

Personal injury protection (PIP) helps cover your injury bills after an accident. All versions of New Jersey PIP include medical coverage, either as your primary or secondary coverage depending on your health insurance plan.

  • If you choose full PIP primary coverage, your PIP acts as the primary coverage for accident-related injuries to you and your passengers. Full PIP primary includes income continuation (in case you can't work after an accident), funeral expenses, death benefits, and essential services expenses. The last part can help the injured person pay for household tasks after an injury.
  • Full PIP health primary is just like the above, only your health insurance acts as the primary coverage for accident-related injuries. In this case, your PIP would kick in after your health insurance.
  • Medical only PIP primary doesn't include income continuation, funeral expenses, death benefits, or essential services expenses.
  • Medical only health primary is like the above, only your health insurance plan will act as the primary provider to help cover accident-related medical expenses.

Right to sue (on standard policies only)

With a standard New Jersey no fault policy, you'll make a choice that defines your right to sue for damages if you (or your spouse or family member who lives with you) are injured in a car accident that you didn't cause.

  • Limited right to sue means you can sue only if the injury is extreme and matches certain criteria (including death, disfigurement, or loss of a body part).
  • Unlimited right to sue is just that: unlimited. So you can sue the at-fault driver after any injury, no matter the severity. Choosing the unlimited right to sue makes your policy a bit more expensive.

It's worth noting that these options don't affect medical expenses, which, again, are typically covered through your New Jersey PIP. The right to sue is for non-monetary damage (pain and suffering).

Optional coverages

On top of your required protection, we offer all these optional coverages:

  • Comprehensive coverage
  • Collision coverage
  • Towing and labor coverage
  • CarMatch Rental Coverage®
  • Custom parts and equipment coverage
  • Auto loan and lease coverage
  • Extended medical coverage
  • Additional personal injury protection (APIP) coverage

Inspecting your car if you add comprehensive coverage

If your car is 7 years old or newer and you add comprehensive coverage, New Jersey law requires you to have your vehicle inspected within 7 days of adding the coverage.

Find an inspection station using this handy tool from CARCO.

Car repair shops throughout New Jersey

If you use Esurance for your New Jersey auto insurance (or are involved in a claim with Esurance), you can take your car to certain repair shops that feature RepairView® online repair monitoring. These shops also feature guaranteed repairs for as long you own your car.

Find a body shop near you.

Factors that can impact your car insurance rates

On top of the selections you make (basic vs. standard, unlimited vs. limited right to sue, coverages, limits, and deductibles), these factors can also affect your car insurance rates in New Jersey:

  • Driving record
  • Vehicle type
  • ZIP Code
  • Gender
  • Age
  • Marital status
  • Your annual mileage
  • Credit-based insurance score

No proof of car insurance

Carrying your proof of car insurance in New Jersey is legally required at all times. If you're caught driving without proof of insurance, you can be fined.

Related links

5 reasons to carpool
Check out carpooling stats across the U.S. and learn 5 good reasons to join a ridesharing group yourself.

Esurance Coverage Counselor®
We can give you a customized recommendation on how to build your NJ car insurance policy in just a few minutes.

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