Mercury Insurance Group NJ Car Insurance Requirements

In New Jersey, car insurance is a mandatory requirement for all drivers. You must have a valid car insurance policy to register and drive your vehicle in the state.

To meet the minimum requirements, you'll need to have a policy that includes liability coverage of at least $15,000 for bodily injury to one person, $30,000 for bodily injury to all people, and $5,000 for property damage.

Mercury Insurance Group NJ offers a range of car insurance policies that meet these requirements, as well as additional coverage options to protect you and your vehicle.

Mercury Insurance in NJ is a reliable option for drivers. They offer affordable rates and solid protection for accidents.

You can choose from various coverage options to suit your needs. For instance, personal injury protection pays for others' medical expenses if you're responsible for the accident.

Mercury Insurance also provides uninsured motorist property damage coverage, which pays for damages to your car or property when the at-fault driver doesn't have enough insurance to cover the expenses.

In addition to auto insurance, Mercury Insurance offers other products to New Jersey residents, including homeowners, condo, and renters insurance.

In New Jersey, you're required to have certain auto insurance coverages to legally drive. Bodily injury liability coverage is a must, with a minimum of $25,000 per person and $50,000 per accident.

To cover medical expenses after an accident, you'll also need personal injury protection (PIP) with a minimum of $15,000 per person per accident. Additionally, you'll need property damage liability with a minimum of $55,000 per accident.

Here's a breakdown of the minimum required coverages in New Jersey:

In New Jersey, full coverage car insurance typically includes state-mandated requirements and optional coverages such as collision protection and comprehensive coverage.

Mercury offers various additional protection options to build a cheap auto insurance plan specific to your needs. These include Liability Protection, Collision Protection, Comprehensive Coverage, Medical Payments Coverage, Uninsured/Underinsured Motorists Bodily Injury, Rental Car Reimbursement, and Roadside Assistance.

The average cost of full coverage car insurance in New Jersey is $2,587 per year, while minimum coverage costs around $1,067 per year, according to Bankrate.

If you live in a high-risk area for floods or wildfires, selecting comprehensive coverage might be a smart choice, as it pays for damages to your vehicle caused by natural disasters.

Here are some common car insurance coverages offered by Mercury:

Note: This is not an exhaustive list, and you should review your policy to see what coverages are included.

In New Jersey, you'll need to have the right car insurance to legally drive. Bodily injury liability is a must-have, covering medical costs and legal fees if you're responsible for an accident that injures another person, with a minimum requirement of $25,000 per person and $50,000 per accident.

Property damage liability is also required, covering any damage you cause to someone else's property, like their car or home, with a minimum of $55,000 per accident.

Personal injury protection (PIP) is another essential coverage, covering your medical expenses after an accident, no matter who was at fault, with a minimum requirement of $15,000 per person per accident.

Uninsured/underinsured motorist coverage is also a must-have, helping you if you're hit by a driver without enough insurance or no insurance at all, and can provide coverage up to your chosen liability limits.

Here's a breakdown of the minimum required car insurance coverages in New Jersey:

You can save up to 17% on your premium by insuring multiple vehicles under the same policy. This is known as the Multi-Car Discount.

To qualify for the 3-Year Accident/Violation-Free Discount, you'll need to have been accident-free and have no violations in the last 35 months, which could save you up to 8% on your premium.

If you pay your policy in full upfront, you can enjoy up to a 15% discount, known as the Paid in Full Discount.

By enrolling in automatic payments, you can save up to an additional 6% on your premium.

Here are some ways to save on car insurance with Mercury:

A Mercury agent can help you determine which discounts you're eligible for and create a personalized quote based on your specific situation.

Mercury Insurance Group NJ takes car safety seriously, and it's reflected in their ratings. They offer a variety of car insurance policies that cater to different needs and budgets.

In New Jersey, car safety is a top priority, with laws requiring drivers to have a minimum of $15,000 in bodily injury liability coverage per person and $30,000 in total bodily injury liability coverage per accident.

Mercury Insurance Group NJ has a strong track record of helping drivers stay safe on the road, with features like accident forgiveness and new car replacement available on some policies.

Comprehensive coverage is a smart choice for those who live in high-risk areas for floods or wildfires.

It pays for damages to your vehicle caused by natural disasters like hail, fire, or floods, and also protects your property if it's vandalized or stolen.

Living in a flood-prone area? Comprehensive coverage can give you peace of mind knowing your vehicle is protected from water damage.

Natural disasters can be unpredictable, but with comprehensive coverage, you can rest assured that your vehicle is covered in case of an emergency.

If you're looking for top-rated auto insurance in New Jersey, Mercury Insurance is a great option. They've been around since 1962 and have a reputation for reliability and trust. Forbes has recognized Mercury as one of America's Most Trustworthy Companies multiple times. They've also been named Best Insurer for Overall Satisfaction in the Shopping Segment of the J.D. Power U.S. Digital Experience Study in 2021.

Mercury's commitment to customer satisfaction is impressive. In 2022, Forbes recognized them as one of the Best Insurance Companies in America. This is a testament to their dedication to providing excellent service to their customers.

Here are some key facts about Mercury Insurance's awards and recognition:

Mercury Insurance has been around since 1962, providing affordable auto insurance with a reputation for reliability and trust. They've earned several prestigious awards over the years, including being recognized as one of America's Most Trustworthy Companies by Forbes multiple times.

Forbes has also named Mercury as one of the Best Insurance Companies in America for 2022. This is a testament to their commitment to their customers.

Mercury has a long history of delivering best-in-class coverage and excellent customer service. They're dedicated to providing affordable auto insurance while maintaining a reputation for reliability and trust.

Here are some awards and recognitions Mercury has received:

Mercury is on a mission to save you money with their discounts, including the Anti-Theft Discount, Multi-Policy Discount, and Good Driver Discount.