Low-Income Car Insurance in New Jersey

Minimum coverage in New Jersey

New Jersey requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability (often written 25/50/25). New Jersey is a no-fault state, so personal injury protection (PIP) is also required.

Requirements change — several states raised their minimums in 2025. Confirm current limits with the New Jersey insurance department or New Jersey Motor Vehicle Commission (MVC).

Special Automobile Insurance Policy (SAIP)

New Jersey drivers enrolled in federal Medicaid with hospitalization may qualify for the low-cost "dollar-a-day" SAIP policy. Ask the New Jersey Department of Banking and Insurance for details.

Is minimum coverage enough?

Minimum liability is the cheapest legal option and is common for older, low-value cars — including most donated cars. It does not pay to repair your own car. If you cannot afford repairs after an accident, compare the cost of adding collision coverage against the value of the car.

Ways to pay less in New Jersey

• Compare at least three quotes every year
• Ask about good-driver, low-mileage, paperless and paid-in-full discounts
• Raise your deductible only if you can cover it
• Try usage-based insurance if you drive little
• Take a defensive driving course where it earns a discount

More tips in our national low-income car insurance guide. Budgeting for a new car? Read the real cost of a donated car.

Nearby states

Car insurance in New York · Car insurance in Pennsylvania · Car insurance in Delaware