New Jersey Auto Insurance Requirements and Coverage - Patterson
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New Jersey has the 34th greatest number of uninsured drivers on the road accounting for 11% of drivers*
Minimum requirements
- $15,000 bodily injury coverage for one person in one accident
- $30,000 bodily injury coverage total per accident
- $5,000 property damage coverage per accident
Penalties for driving without insurance
- First offense a fine of $300 to $1,000
- Second offense a fine of up to $5,000 14 days in jail, 30 days community service and 2 year license suspension
Unlike most other states there are no additional requirements for older drivers.