N.J. Stat. » Title 39 — MOTOR VEHICLES AND TRAFFIC REGULATION
New Jersey Statutes

N.J. Stat. § 39:6B-1 (2026)

Maintenance of motor vehicle liability insurance coverage

✓ current as of May 2026
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1. a. Every owner or registered owner of a motor vehicle registered or principally garaged in this State shall maintain motor vehicle liability insurance coverage, under provisions approved by the Commissioner of Banking and Insurance, insuring against loss resulting from liability imposed by law for bodily injury, death and property damage sustained by any person arising out of the ownership, maintenance, operation or use of a motor vehicle wherein such coverage shall be at least in: (1) an amount or limit of $15,000 for plans issued or renewed prior to January 1, 2023, $25,000 for plans issued or renewed on or after January 1, 2023 but prior to January 1, 2026, and $35,000 for plans issued or renewed on or after January 1, 2026, exclusive of interest and costs, on account of injury to, or death of, one person, in any one accident; and (2) an amount or limit, subject to such limit for any one person so injured or killed, of $30,000 for plans issued or renewed prior to January 1, 2023, $50,000 for plans issued or renewed on or after January 1, 2023 but prior to January 1, 2026, and $70,000 for plans issued or renewed on or after January 1, 2026, exclusive of interest and costs, on account of injury to or death of, more than one person, in any one accident; and (3) an amount or limit of $25,000 for plans issued or renewed on or after January 1, 2023, exclusive of interest and costs, for damage to property in any one accident; and (4) for a commercial motor vehicle, an amount or limit of $1,500,000, exclusive of interest and costs, on account of injury to or death of, one or more persons in any one accident or for damage to property in any one accident; and (5) for a commercial motor vehicle with a gross vehicle weight rating of 10,001 or more pounds but less than 26,001 pounds, an amount or limit of $300,000, exclusive of interest and costs, on account of injury to or death of, one or more persons in any one accident or for damage to property in any one accident. The provisions of paragraphs (4) and (5) of this subsection may be satisfied by a commercial automobile insurance policy, fleet insurance policy, commercial umbrella insurance policy, commercial excess insurance policy, similar insurance policy, or any combination thereof.

b. Notwithstanding the provisions of subsection a. of this section, an owner or registered owner of an automobile, as defined in section 2 of P.L.1972, c.70 (C.39:6A-2), registered or primarily garaged in the State may satisfy the requirements of subsection a. of this section by maintaining a basic automobile insurance policy containing coverages provided pursuant to subsections a. and b. of section 4 of P.L.1998, c.21 (C.39:6A-3.1).

c. Notwithstanding the provisions of subsection a. of this section, an owner or registered owner of an automobile, as defined in section 2 of P.L.1972, c.70 (C.39:6A-2), registered or primarily garaged in the State may satisfy the requirements of subsection a. of this section by maintaining a special automobile insurance policy containing coverages provided pursuant to subsection b. of section 45 of P.L.2003, c.89 (C.39:6A-3.3).

d. Upon the renewal of a policy of insurance that, under its original policy limits, would no longer meet the minimum requirements established pursuant to this section, an insurer shall notify the named insured that the policy limits have been increased to meet the requirements established pursuant to this section. Notice provided pursuant to this subsection shall specify the limit or limits that have been increased to meet the requirements established pursuant to this section. Notwithstanding the provisions of any law, rule, or regulation to the contrary, an insurer shall not be required to receive a signed coverage selection form pursuant to N.J.A.C.11:3-15.7, to increase a policy's limits pursuant to this section.

e. As used in this section, "commercial motor vehicle" means a commercial motor vehicle as defined pursuant to section 3 of P.L.1990, c.103 (C.39:3-10.11) and an autocab as defined pursuant to R.S.48:16-1, and shall include commercially registered vehicles. For purposes of paragraph (5) of subsection a. of this section, "commercial motor vehicle" shall also include commercially registered vehicles with a gross vehicle weight rating of 10,001 or more pounds but less than 26,001 pounds.

Notes of Decisions
Cited in 40 cases (11 in the last 5 years), 1981–2026 · leading case: Burlington Ins. Co. v. Northland Ins. Co., 766 F. Supp. 2d 515 (D.N.J. 2011).
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Burlington Ins. Co. v. Northland Ins. Co., 766 F. Supp. 2d 515 (D.N.J. 2011). · cites it 8× “of [N.J.S.A. 39:6B-1] or section 3 of [N.J.S.”
Countryside Oil Co. v. Travelers Ins., 928 F. Supp. 474 (D.N.J. 1995). · cites it 3× “POLLUTION, is amended by the addition of the following: This exclusion does not apply for coverage up to the minimum financial responsibility limits specified in N.J.S.A. 39:6B-1. N.J.S.A. 39:6B-1 set a $5,000 minimum limit for damage to property in any one accident.”
Carolina Cas. Ins. v. Travelers Prop. Cas. Co., 90 F. Supp. 3d 304 (D.N.J. 2014). · cites it 7× “The answer depends on (1) whether the CCIC policy, by its terms, covers Gardner Bishop; (2) whether New Jersey’s omnibus motor vehicle insurance law (“Omnibus statute”), N.J.S.A. 39:6B-1, requires CCIC to cover Gardner Bishop because it “used” the insured tractor; and, if so,…”
Halifko v. Cities Serv. Oil Co., 510 F. Supp. 1131 (D.N.J. 1981). · cites it 4× “respect to bodily injury or property damage arising out of the loading or unloading thereof, such other person shall be an insured only if he is: (1) a lessee or borrower of the automobile, or (2) an employee of the named insured or of such lessee or borrower; Defendant Cities…”
Scott v. Salerno, 688 A.2d 614 (N.J. Super. Ct. App. Div. 1997). · cites it 2× “A 39:6-46 has been repealed, we have specifically held that it has been replaced by N.J.S.A 39:6B-1. See Parkway Iron & Metal Co.”
Fellhauer v. Alhorn, 838 N.E.2d 133 (Ill. App. Ct. 2005). · cites it 2× “] We find no reason to make a distinction between the two forms of insurance coverage--self insurance and a liability policy--based on N.J.S.A. 39:6B-1, with respect to the extent of statutorily-required coverage.”
In re Denby-Peterson, 576 B.R. 66 (Bankr. D.N.J. 2017). · cites it 2× “Minimally, a registered New Jersey driver must carry motor vehicle liability coverage, N.J. Stat. § 39:6B-1, N.J.S.A. 39:6A-3. .”
Perrelli v. Pastorelle, 20 A.3d 354 (N.J. 2011). “2d 125 (2004); see also N.J.S.A. 39:6B-1. Every insurance policy must include PIP benefits, which guarantee “without regard to fault,” medical expense coverage for the named insured and members of his or her household.”
Employers Ass'n of New Jersey v. State of NJ, 601 F. Supp. 232 (D.N.J. 1985). · cites it 2× “§ 39:6A-3 (West 1973); N.J.Stat.Ann. § 39:6B-1 et seq. (West 1973); every automobile liability policy was required to provide, in addition to liability coverage, Personal Injury Protection (“PIP”) benefits which were payable to an insured who was injured as a result of an auto…”
Engrassia v. Uzcategui, 205 A.3d 206 (N.J. 2019). · cites it 5× “39:6B-1 ] specifically requires that a policy shall 'insure the insured named therein and any other person using or responsible for the use of any such motor vehicle with the express or implied consent of the insured[.]' "). Therefore, even if a provision -- like Endorsement No.”
Thomas Demarco v. Sean Robert Stoddard, D.P.m(073949), 125 A.3d 367 (N.J. 2015). “N.J.S.A. 39:6B-1(a). Moreover, 7 “once its insured has become responsible for damages to third- party judgment creditors, an insurer is precluded from retroactively ‘cancelling’ or ‘annulling’ an automobile liability policy based upon prior misrepresentations or fraud of its…”
Oravsky v. Encompass Ins., 804 F. Supp. 2d 228 (D.N.J. 2011). “2d 872 (2009) (citing N.J.S.A. 39:6B-1). Further, “every automobile insurance policy must provide “personal injury protection .”
Show all 40 citing cases →
N.J. Stat. § 39:6B-1(a): 9 cases
Thomas Demarco v. Sean Robert Stoddard, D.P.m(073949), 125 A.3d 367 (N.J. 2015). “N.J.S.A. 39:6B-1(a). Moreover, 7 “once its insured has become responsible for damages to third- party judgment creditors, an insurer is precluded from retroactively ‘cancelling’ or ‘annulling’ an automobile liability policy based upon prior misrepresentations or fraud of its…”
Engrassia v. Uzcategui, 205 A.3d 206 (N.J. 2019). “39:6B-1 ] specifically requires that a policy shall 'insure the insured named therein and any other person using or responsible for the use of any such motor vehicle with the express or implied consent of the insured[.]' "). Therefore, even if a provision -- like Endorsement No.”
Tyrone A. Huggins v. Mary E. Aquilar (084200) (Hudson Cnty. & Statewide) (N.J. 2021).
Guerline Felix v. Brian v. Richards (081799) (Essex Cnty. & Statewide) (N.J. 2020).
Stephanie Josephs Vs. Christina M. Hepp (l-3914-16, Camden Cnty. & Statewide) (N.J. Super. Ct. App. Div. 2020).
N.J. Stat. § 39:6B-1(b): 1 case
Guerline Felix v. Brian v. Richards (081799) (Essex Cnty. & Statewide) (N.J. 2020).
N.J. Stat. § 39:6B-1(c): 2 cases
Mariela Martinez Vs. Kevin J. Herder (l-8529-14, Essex Cnty. & Statewide) (N.J. Super. Ct. App. Div. 2019).
Guerline Felix v. Brian v. Richards (081799) (Essex Cnty. & Statewide) (N.J. 2020).
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