NEW JERSEY INSURANCE
New Jersey insurance prices and coverage options, organized around the rules that matter here.
Ensurance is a U.S. insurance-shopping company focused on creating a clearer, more protected way for people to shop for insurance options and get more choices. New Jersey shoppers can start one organized request, understand the state-specific issues that may affect their coverage, and move toward available licensed insurance help where supported.
Start My New Jersey Auto RequestExplore New Jersey Insurance
WHY NEW JERSEY IS DIFFERENT
Insurance shopping here starts with a few state-specific decisions.
New Jersey is not a state where every shopper can rely on a generic national insurance checklist. Auto insurance has its own Basic and Standard Policy structure. Property owners may face coastal, storm and flood considerations. Businesses have workers’ compensation requirements. Individual health coverage has a state-run marketplace.
Auto policy structure matters
New Jersey’s Standard Policy and Basic Policy are not simply different price points. They can provide very different liability, uninsured-motorist and lawsuit protections. Understanding which structure you are reviewing matters before comparing price.
Property risk can vary sharply by location
Coastal exposure, wind, flooding and property characteristics can affect what coverage is available and which exclusions, deductibles or separate policies deserve attention.
Businesses have state coverage duties
Most New Jersey employers must maintain workers’ compensation insurance or qualify for approved self-insurance. The requirement can apply even to some out-of-state employers when New Jersey work is involved.
Health coverage has an official state path
Get Covered New Jersey is the state’s official health insurance marketplace for individual and family coverage and the place to apply for marketplace financial assistance.
CHOOSE YOUR COVERAGE
Start with the insurance need you actually have.
Auto Insurance
Organize your vehicles, drivers, current coverage, timing and what you want help reviewing.
Home Insurance
Start with the property, occupancy, current coverage and the protection questions that matter for your home.
Renters Insurance
Organize the basics about your residence, belongings and liability protection.
Life Insurance
Begin with who you are protecting, your timing and the basic information needed for licensed review.
Business Insurance
Share the facts about your New Jersey business, operations, employees and coverage needs.
See when a New Jersey business may need commercial auto insurance.
Health Insurance
Understand the role of Get Covered New Jersey when individual or family marketplace coverage applies.
NEW JERSEY AUTO INSURANCE
For 2026, the Standard Policy minimum liability limits increased.
If you are comparing prices, read what changes the cost of car insurance in New Jersey before treating the lowest quote as the best match.
New Jersey Department of Banking and Insurance guidance states that policies issued or renewed on or after January 1, 2026 must carry at least $35,000 of bodily injury liability per person, $70,000 per accident, and $25,000 of property damage liability under the Standard Policy framework.
Bodily injury per person
Minimum Standard Policy liability amount for injury or death to one person.
Bodily injury per accident
Minimum Standard Policy liability amount for injury or death to more than one person.
Property damage
Minimum Standard Policy property damage liability per accident.
New Jersey also has a Basic Policy.
The Basic Policy can satisfy New Jersey’s minimum insurance requirement but provides much less protection. State guidance shows $5,000 of property damage liability, $15,000 of PIP, no included bodily injury liability unless optional coverage is selected, and no uninsured or underinsured motorist coverage. That is why shopping on premium alone can hide meaningful differences.
Personal Injury Protection
New Jersey requires PIP, often called no-fault coverage. State guidance shows limits starting at $15,000 per person or accident, with higher options available under Standard Policies and special treatment for certain serious injuries.
Uninsured and underinsured motorists
Standard Policies make uninsured and underinsured motorist coverage available up to selected liability limits. The Basic Policy does not include this protection.
Verify current Standard Policy guidance with New Jersey DOBI
HOME AND PROPERTY
Property insurance in New Jersey can require a second look at location-specific risk.
Coastal and storm exposure
Where a home is located can affect carrier appetite, deductibles and available protection. Shore and coastal properties may require more careful review of wind and storm provisions.
Flood is a separate question
Standard homeowners insurance generally does not replace the need to evaluate flood insurance when flood exposure matters. Shoppers should separate the flood question from the homeowners-policy question.
FAIR Plan fallback
When a property owner cannot obtain coverage from a standard insurer, the New Jersey Insurance Underwriting Association FAIR Plan may provide basic property coverage. The state describes it as a fallback, not the first choice.
NEW JERSEY BUSINESS INSURANCE
Workers’ compensation is a core state requirement for employers.
New Jersey says employers not covered by federal programs generally must maintain workers’ compensation insurance or be approved for self-insurance. Corporations, partnerships, LLCs and sole proprietorships can have different details depending on who performs services for the business.
That makes employee structure, payroll, job duties and where work is performed important inputs when a New Jersey business asks for insurance help.
Review official New Jersey workers’ compensation requirements
HOW ENSURANCE WORKS
One organized request. More clarity. More control.
Start once
Choose the insurance need that fits your situation and provide the important details in one organized request.
Keep context together
Your request keeps the useful information in one place so the next step starts with better context.
Controlled access
CATE, the Controlled Access Trust Engine, supports a more deliberate path toward eligible licensed review where available.
Review your options
Licensed professionals handle policy-specific advice, quotes, eligibility and carrier options. You decide whether to continue.
More help, choices and less spam.
HEALTH INSURANCE
New Jersey operates its own official health insurance marketplace.
Get Covered New Jersey is the state’s official marketplace for individual and family health plans and the place where eligible residents apply for marketplace financial assistance. Enrollment periods, plan availability and savings can change, so current state guidance matters.
NEW JERSEY INSURANCE FAQ
Common questions before starting.
Is auto insurance required in New Jersey?
What changed for New Jersey auto insurance in 2026?
Is the Basic Policy the same as the Standard Policy?
What if I cannot get homeowners insurance in the standard market?
Where do New Jersey residents shop for ACA marketplace health coverage?
Does starting an Ensurance request mean I have to buy a policy?
OFFICIAL NEW JERSEY RESOURCES
Use primary sources when state rules can change.
Current Standard and Basic auto policy information.
NJ Motor Vehicle CommissionVehicle insurance requirements and proof-of-insurance guidance.
NJ Department of LaborWorkers’ compensation requirements for employers.
New Jersey FAIR PlanState guidance for property owners unable to obtain standard coverage.
Get Covered New JerseyOfficial individual and family health insurance marketplace.
Insurance by StateExplore other Ensurance state insurance guides as the nationwide library expands.
READY TO START
Start one organized New Jersey insurance request.
Give licensed insurance professionals better context from the beginning and keep the process easier to understand.