Lilah Butler, Car Insurance Writer
@lilah_c
You do not need bodily injury liability coverage in New Jersey. A basic policy, which offers the minimum amount of insurance that is required in New Jersey, does not include any bodily injury liability coverage.
On the other hand, if you want more coverage and opt for a standard policy in New Jersey, you will need at least $25,000 in bodily injury liability insurance per person and $50,000 in coverage per accident. A standard policy is also more expensive.
Bodily Injury Liability Options in New Jersey
| Coverage | Basic Policy | Standard Policy |
| Minimum Bodily Injury Liability | None required | $25,000 per person $50,000 per accident |
| Minimum Property Damage Liability | $5,000 per accident | $25,000 per accident |
| Minimum Personal Injury Protection | $15,000 per person, per accident normally (up to $250,000 for certain injuries) | $15,000 per person, per accident normally (up to $250,000 for certain injuries) |
Unlike most states, New Jersey does not require bodily injury liability insurance to pay for other people's injuries after a car accident that you cause, since New Jersey uses a no-fault system. Drivers file injury claims with their own car insurance policy instead. Nevertheless, it's still a good idea to buy bodily injury liability coverage, given that drivers in New Jersey can be sued for damages if they cause an accident that results in death, dismemberment, significant disfigurement or scarring, or another serious injury.
For more information, check out WalletHub's complete breakdown of how much car insurance you need in New Jersey.
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