Car Insurance NJ

Car Insurance in New Jersey - NJ

New Jersey uses a full-tort insurance system – whoever is found to be at fault in an accident has to reimburse the other party for the damages. The state is famous for the NJ Turnpike, a road that is among the most trafficked Welcome to New Jersey State Signhighways in the United States, and this is probably why New Jersey is one of the most expensive states to get insured in.

Minimum insurance requirements

All drivers have to hold at least a Liability policy. Limits are surprisingly low:

Most states have a minimum limit in the range of 25/50/25. However, if you are going to lease a car, the lender will most likely ask you to get a Full coverage and at least 100/300/100 Liability insurance.

Average costs and trends

The state's average Liability policy costs $1,981.97 as of February 2012, much higher than the national average of $1,671.16. Newark Alloways Creek - cuinton bridge - signsand Camden are the most expensive cities to get insured in, with average premiums of $3,126.96 and $2,992.54.

The good news is that prices seem to have a downwards trend – insurance prices in NJ have been constantly dropping for the last twelve months, from an average of $2,383 in March 2011 to nowadays' $1,982.

New Jersey DUI laws

The state laws say that it is a crime for any driver to drive with a blood alcohol content (BAC) of 0.08% or higher. Commercial drivers aren't allowed to drive with 0.04% BAC or more, and there is no tolerance for drivers under 21 – it's a crime to drive with 0.01% or more. It is a crime to refuse to submit to an alcohol test in New Jersey.

Penalties for driving while intoxicated are as follows: