The mininum coverage in NJ is 15/30/5.
15k bodily injury per person
30k total bodily indury per accident
5k property dammage



Anyone that has minimum coverage is a dummy. Those limits barely cover the most basic of accidents. Anything above that comes out of your pocket!

I forgot to mention i have the home and cars insured w/njm, so there is a discount for that. Further, where you live has a huge basis on your quotes too.....you live in newark your rate may be higher due to the probability your car may have a claim against it. I even lowered my premium by telling them i drive 3 miles to the bus station over 5 miles..yes, every little bit matters....cars in garage vrs driveway or street = more $..parked in a parking garage at work could benefit you..all questions were asked when i got my policy as well as duration of work (m-f)..more hrs/mileage your on the road= greater probability a possible claim could occur...its all about dollars and cents or as they said in training day 'smiles and cries'.