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Insurance Requirements

All drivers in New Jersey must provide proof of insurance when operating any vehicle. Failure to do so can result in hefty fines and suspension. Having insurance is just as important as having a title on your car or registering it with the MVC.

All vehicles registered in New Jersey require three types of mandatory insurance:

Contact your insurance company for the different insurance coverage choices or check the Department of Banking and Insurance web site

See a list of approved companies approved to write automobile liability insurance in the State of New Jersey.

Your insurance company must issue you a paper or electronic New Jersey Insurance Identification Card for each vehicle under your policy. N.J.S.A. 39:3-29. Pursuant to N.J.S.A. 39:3-29.1 and N.J.A.C. 11:3-6.1 – 6.5, New Jersey insurance identification cards must meet the following specifications:

In New Jersey, the insurance identifiction card may be displayed or provided in either paper or electronic form.  For these purposes, "electronic form" means the display of images on an electronic device, such as a celular telephone, tablet or computer.  Paper insurance card specifications have not changed.

You must keep the card in the vehicle, or be able to produce the electronic format:

Failure to present the card or electronic form may result in fines.

Driving an uninsured vehicle may result in fines, community service, license suspension and insurance surcharges.

Insurance fraud is defined as providing false information to an insurance company while making a claim or submitting an insurance application, resulting in:

To help the Office of Insurance Fraud Prosecutor (OIFP), report fraud by e-mail, online or by calling (877) 55-FRAUD (553-7283). Fraud increases the cost of insurance for all New Jersey drivers – please don't hesitate if you suspect something. All tips are kept strictly anonymous and confidential.