New Jersey Teen Driver Insurance for Parents
New Jersey requires 35/70/25 liability coverage and is a no-fault state.
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New Jersey at a Glance
35/70/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
16
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Jersey
The state also mandates a three-stage Graduated Driver License (GDL) program: learner's permit at 16, probationary license at 17, and full license at 18 after one year without violations. New Jersey law requires all insurers to offer good student discounts to young drivers who maintain a B average or equivalent, making this one of the few states where the discount is not carrier-discretionary.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in New Jersey
$326–$579/mo
Typical monthly rate in New Jersey, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
11pm-5am
Passengers
no more than 1 passenger
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Covers injury and property damage the teen driver causes to others. New Jersey's $15,000/$30,000 minimum is insufficient for serious accidents—most parents increase to $100,000/$300,000.
Full Coverage (Collision + Comprehensive)
Combines collision and comprehensive to cover damage to the teen's vehicle from accidents, theft, weather, and vandalism. Required if the vehicle is financed or leased.
Personal Injury Protection (PIP)
Mandatory in New Jersey. Covers medical expenses for the teen driver and passengers regardless of fault, with options for Standard or Basic PIP.
Uninsured/Underinsured Motorist Coverage
Protects the teen driver if hit by someone without insurance or carrying only state minimums. Not required in New Jersey, but fills critical gaps.
Good Student Discount
New Jersey law mandates that all insurers offer a good student discount to teen drivers maintaining a B average or equivalent. Verified by report card or transcript.
Telematics Programs
Smartphone apps or plug-in devices that track braking, acceleration, speed, and nighttime driving. Safe habits earn discounts of 15–25%.