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new jersey car insurance that’s right for you, not someone sorta like you

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 ever since, we've made it our mission to ease motorists' 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, plus our virtual suite of online tools and tech can help provide guidance and easy-to-understand info.

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

new jersey car insurance discounts from 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 some cash:

  • 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 one of the simplest). Just by adding renters coverage to your car insurance policy, you could qualify for savings on your auto insurance rates.

Having renters coverage 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 policy in the Garden State must have certain coverages with at least the following limits:

  • $15,000 of bodily injury liability per person, $30,000 per incident
  • $5,000 of property damage liability coverage per incident
  • $15,000 of personal injury protection (PIP) per person
  • $15,000/$30,000 of uninsured/underinsured motorist bodily injury coverage per person, per incident
  • $5,000 of uninsured/underinsured motorist property damange coverage per incident

New Jersey no-fault insurance

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

New Jersey PIP

Personal injury protection helps cover your injury bills after an accident, regardless of fault. All versions of New Jersey PIP include medical coverage, either as your primary or secondary coverage (depending on whether your health insurance plan helps pay for injuries related to a car accident).

  • If you choose full PIP primary, 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 pay for household tasks if you can't complete them due to an accident-related 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 limits have been maxed out.
  • Medical only PIP primary doesn't include income continuation, funeral expenses, death benefits, or essential services expenses, but can still help with hospital bills after an accident
  • 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

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 (i.e. pain and suffering).

optional coverages

On top of state-required liability insurance, we offer all these additional coverages to help give you greater financial protection and peace of mind:

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

When you get an Esurance quote, our CoverageMyWay™ technology helps make sure you only pay for what's right for you by prioritizing coverage options based on the info you provide. After all, you want a policy that suits you, not someone sorta like you.

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 our E-Star® 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 (coverages, limits, and deductibles), these factors could also affect your car insurance rates in New Jersey:

  • Driving record and claims history
  • Vehicle year, make, and model
  • ZIP Code where you park your car
  • Marital status and gender
  • Age and number of years licensed
  • Your annual mileage
  • Credit-based insurance score
  • Any discounts you may qualify for

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

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Esurance Coverage Counselor®
We offer personalized New Jersey car insurance quotes that take just a few minutes.

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