Insurance requirement guides for New Jersey.
$35,000 / $70,000 / $25,000
Bodily injury per person / per accident / property damage, written 35/70/25
Set by P.L.2022 c.87 (N.J.S.A. 39:6B-1). Read off the statute on , and the figure every New Jersey guide on this site is checked against.
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New Jersey requires a $1.5 million combined single limit for New Jersey-based intrastate trucks of 26,001 lbs and over, and for autocabs — double the federal $750,000 floor. A $300,000 tier covers medium trucks.
New Jersey has no state boat insurance mandate, but marina slip agreements on Barnegat Bay, Sandy Hook Bay, and the Delaware River commonly require liability cover.
Motorcycles were swept into New Jersey's 35/70/25 liability increase because the statute covers every motor vehicle — yet riders are still shut out of the no-fault PIP system that cars get.
New Jersey's Standard policy floor rose to 35/70/25 for policies issued or renewed on or after 1 January 2026 — the second of two increases. The Basic policy was left out of both.
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Every guide on this page covers a New Jersey requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each New Jersey guide on this site is checked against that same figure. The regulators linked above are where New Jersey publishes the rules, so they are the place to confirm anything before you rely on it.
