New Jersey Auto Insurance for Drivers 75+
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
70
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New Jersey
New Jersey operates under a no-fault insurance system with a choice option — drivers select between standard policies that allow lawsuits for pain and suffering after serious injury, or limited tort policies that restrict lawsuit rights in exchange for lower premiums. The New Jersey Motor Vehicle Commission requires proof of insurance at registration and can suspend registration immediately for lapses.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in New Jersey
$195–$223/mo
Typical monthly rate in New Jersey, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Vehicle age: drivers 75+ typically own vehicles 8–12 years old, which qualify for lower comprehensive premiums but face higher collision costs due to repair part availability.
Find Coverage That Fits Driving Past 75
Compare Auto Insurance for Drivers 75+Mature-driver discount
At least 5% off by law
N.J.S.A. 17:33B-45.1 / N.J.A.C. 11:3-24.3 (minimum 5%)
Source: state statutes and insurance departments, verified July 2026
Frequently Asked Questions
Which New Jersey carriers will still write policies for drivers over 80?
AARP/The Hartford, New Jersey Manufacturers, and Selective typically continue coverage past age 80 if driving record is clean. Many national carriers including Geico, Progressive, and State Farm non-renew at 80 or 85, or require annual driving evaluations and medical clearance to continue coverage beyond that threshold.
Can I be forced to retake a driving test in New Jersey due to age?
No — New Jersey does not require retesting based on age alone. However, the New Jersey Motor Vehicle Commission can require a medical review or road test if a family member, physician, or law enforcement officer files a report questioning your driving ability. Carriers cannot require retesting as a condition of renewal, but can non-renew at their discretion.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. New Jersey's 15/30/5 minimum is dangerously low for drivers 75+ with assets to protect.
Uninsured Motorist Coverage
Pays your medical bills and lost income when hit by a driver with no insurance or insufficient coverage. Automatically included in New Jersey unless rejected in writing.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Not required by New Jersey, but required by lenders on financed vehicles.
Collision Coverage
Pays to repair your vehicle after an accident regardless of fault. Becomes cost-prohibitive for drivers 80+ on vehicles worth less than $8,000.