Shopping Information

Auto insurance is required in New Jersey. As a New Jersey driver, you have many choices when it comes to purchasing auto insurance. Each choice you make affects the coverage you receive and the amount you pay.

As with any major purchase you need to understand the product before you buy it. Use the tools below to help you shop for the coverage that best suits your needs.

• Find an Auto Insurer (Insurer Contact Information - Telephone, web site, etc.)
• Insurance Company Codes (assigned by NJ Motor Vehicle Commission)
• Auto Insurance Purchasing Planner (interactive guide to buying a policy)
• Auto Insurance Consumer Information Report (Complaint Ratios)
  • 2024 Ratios (PDF)
  • 2023 Ratios (PDF)
    
• Controlling the Cost of Auto Insurance
• Selecting Your Health Insurer for PIP Option
• PIP Information for Health Care Providers
• Insurer Rating Companies (Find out how your insurance company rates for financial strength)

• Standard Policy
• Basic Policy
• Special Automobile Insurance Policy (SAIP)

• Defensive Driving Courses (approved by NJ Motor Vehicle Commission)
• Insurance Company Codes (assigned by NJ Motor Vehicle Commission)

• NJ Auto Insurance Buyers' Guide (PDF)
• Everything You Wanted to Know About Auto Insurance (PDF)
  • Auto Insurance Shopping Guide (Workbook) (PDF)
• Auto Insurance Consumers Bill of Rights
• Insurance Scoring in New Jersey (PDF)

• Comparative Negligence Settlements in Automobile Insurance FAQs
• Filing an Auto Damage Claim with Your Own Insurance Company
• Filing an Auto Damage Claim with Another Insurance Company
• Filing an Uninsured/Underinsured Motorist Property Damage Claim

• NJ Guaranty Association (provides a safety net for policyholders, and as a last recourse, for claimants)
  
• Glossary of Insurance Terms
• NJAC Subchapter 10 - Auto Physical Damage Claims Regulation (PDF)
• Salvage Title Process (from NJ Motor Vehicle Commission)