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New Jersey Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in New Jersey. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in New Jersey.

NJ Auto Insurance Laws and Regulations:

New Jersey Dept. of Banking and Insurance
PO Box 325
Trenton, NJ 8625

Minimum Car Insurance Coverage in NJ:

$15,000 for injury/death to one person

$30,000 for injury to more than one person

$5,000 for damage to property

NJ Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles

NJ Uninsured Penalties:

If caught in New Jersey without proper car insurance, you could be faced with fines, your license and/or registration could be suspended, or you could spend time in jail. - Under New Jersey law, this is defined as providing false information to an insurance company while making a claim or submitting an insurance application. It can result in: - Incarceration of the individual committing fraud. - Civil fines up to $15,000 for each violation. - Loss of the individual's driver license.

Driving a vehicle with an expired inspection sticker may result in fines of between $100 and $200, and/or imprisonment for up to 30 days. Additionally, MVC may revoke registration privileges.

We believe that the penalties for driving a properly registered and insured vehicle in NJ without the inspection sticker would have penalties such as the ones listed above for driving with an expired inspection sticker since both mean that your car has not been properly inspected in the time frame required by the state.

If you have been ticketed for driving without an inspections sticker in NJ then check with the court listed on your citation to find out what penalties you may be facing. Or you may also choose to contact the New Jersey Motor Vehicle Commission (MVC) directly to see if they can tell you what penalties are associated with this offense

NJ Department of Insurance Contact Information:

Toll Free: 1-800-446-SHOP (7467)

NJ State Insurance Department Website:

Directory of New Jersey Auto Insurance Agents by County

Cape May

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