You’ll need valid proof of insurance before you can register your vehicle in New Jersey. New Jersey is one of the 48 states where car insurance is mandatory. The insurance will need to remain valid as long as the vehicle is registered in the state.
The Department of Motor Vehicles (DMV) asks for your proof of insurance when you register a car. As the driver, you must maintain insurance at all times. Law enforcement can assess penalties and fines for those without insurance, potentially including a $300 fine and/or suspension lasting up to one year.1
The minimum auto insurance coverage in New Jersey is as follows:
- $5,000 in property damage coverage
- $15,000 in personal injury protection or up to $250,000 for certain injuries, including permanent or significant brain injury, disfigurement, and spinal cord injury
Full coverage is optional and adds comprehensive and collision coverage. We also recommend adding uninsured/underinsured motorist coverage and bodily injury coverage, neither of which the state of New Jersey requires.
Documentation You Need to Register Your Car
When you go to register your car, you will need the following documents:
- Car title showing that you own the car
- Valid driver’s license or other government-issued identification
- New Jersey insurance card
- Vehicle inspection (for vehicles 5 years or older)
- Completed vehicle registration application form
Why Is Car Registration Required?
Car registration helps determine vehicle ownership while providing data for assessing taxes. You should register a car in the state where you reside, with your home being the address of record for the registration.