What changed in New Jersey
Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inNew Jersey, when, and where to verify it.
Every state we cover, in one feed: what changed across the country · RSS
January 1, 2026
Minimum coverageLiability minimums rise to 35/70/25
The second step of P.L.2022, c.87 raised bodily injury liability minimums to $35,000 per person and $70,000 per accident for Standard policies issued or renewed on or after January 1, 2026. The uninsured/underinsured motorist minimums rose by the same amounts. Property damage stays at $25,000. Guides quoting 25/50/25 describe the 2023–2025 limits.
P.L.2022, c.87 (approved August 5, 2022)January 1, 2023
Minimum coverageLiability minimums raised from 15/30 to 25/50/25
P.L.2022, c.87 raised Standard policy minimums from $15,000/$30,000 to $25,000/$50,000 for bodily injury and set property damage at $25,000 for policies issued or renewed on or after January 1, 2023. UM/UIM minimums rose with them. The Basic policy ($5,000 property damage, optional $10,000 bodily injury) was not changed.
P.L.2022, c.87 (approved August 5, 2022)January 1, 2021
Driving uninsuredLicense suspension for driving uninsured became discretionary
P.L.2019, c.276 (S1080) amended N.J.S.A. 39:6B-2. Before, a court had to suspend the license on a first offense — for up to one year, reducible or waivable if proof of insurance was shown — and a second offense brought a two-year forfeiture. Now the court may suspend for up to one or two years, weighing hardship. The fines ($300–$1,000, then up to $5,000) did not change. The law was approved December 20, 2019 and this section took effect on the first day of the 13th month after enactment.
P.L.2019, c.276 (S1080)July 1, 2010
Moving hereSafety inspections ended for passenger cars
P.L.2010, c.29, effective July 1, 2010, amended N.J.S.A. 39:8-1 so passenger automobiles and non-commercial trucks are inspected only for emissions and emissions-related items such as emission control equipment and on-board diagnostics.
P.L.2010, c.29 (approved June 29, 2010)
What this list does and does not cover
Recorded here: changes to the rules this site tracks for New Jersey — liability minimums, SR-22 and proof-of-insurance requirements, penalties for driving uninsured, the fault system, what a lapse costs, new-resident deadlines and crash reporting. Each entry names the session law or statute that made the change and the date it took effect, not the date it was signed.
Not recorded: rate filings, individual insurer decisions, court rulings that do not change the text of the law, and changes to rules outside those seven subjects. A short list does not mean a quiet legislature — it means little moved in the parts of New Jersey law a driver has to comply with.
A change that has passed but has not yet taken effect is not shown as current anywhere on this site. It sits on the New Jersey pages as a dated pending value and replaces the current figure on the morning it comes into force. You can see every pending change across the country at the top of the national change feed, and the sources behind the New Jersey figures on its statute index.