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NJ DMV Insurance Requirements Flashcards

6 cards from real NJ DMV practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 6 NJ DMV Insurance Requirements flashcards as text

  1. What is the minimum required liability insurance coverage for bodily injury per person in New Jersey?

    Answer: $15,000

    New Jersey's basic auto insurance requires a minimum of $15,000 per person for bodily injury liability coverage.

  2. What type of auto insurance is MANDATORY for all registered vehicles in New Jersey?

    Answer: Liability insurance (at minimum the Basic Policy)

    New Jersey requires all registered vehicles to carry at minimum liability insurance through a Basic Policy or a Standard Policy.

  3. In New Jersey, what does Personal Injury Protection (PIP) coverage pay for?

    Answer: Medical expenses for you and your passengers regardless of fault

    PIP (Personal Injury Protection) in NJ pays medical expenses for the policyholder and passengers regardless of who caused the accident.

  4. What is the minimum property damage liability coverage required under a NJ Standard auto insurance policy?

    Answer: $10,000

    The NJ Standard auto insurance policy requires a minimum of $5,000 in property damage liability coverage.

  5. Under NJ law, what document must you show a police officer after a traffic stop?

    Answer: Your insurance identification card

    NJ drivers must carry and present a valid insurance identification card to law enforcement when requested during a traffic stop.

  6. What is the difference between NJ's Basic auto insurance policy and the Standard policy?

    Answer: Standard offers higher coverage limits and more options including bodily injury liability

    The NJ Standard Policy offers higher coverage limits, including bodily injury liability up to $250,000+, while the Basic Policy offers minimal coverage at lower cost.

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Sources & references

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  1. nj.gov — Retake policy, time limit, score validity, test delivery, exam format, passing score · verified Oct 2026