Vehicle Ownership in New Jersey — Car Alpha

Complete guide to vehicle ownership in New Jersey: insurance requirements (15/30/5 (PIP required)), lemon law protections, emissions testing, registration fees, and EV incentives.

New Jersey Overview

Mid-Atlantic · Capital: Trenton

New Jersey requires no-fault insurance with some of the highest minimum coverage requirements in the nation. The state mandates emissions testing and has strong consumer protection laws.

Insurance Requirements

Minimum Coverage

15/30/5 (PIP required)

Average Annual Cost

$1,592

$15,000 bodily injury per person / $30,000 bodily injury per accident / $5,000 property damage / $15,000 PIP

Full insurance guide Compare New Jersey rates

New Jersey Lemon Law

New Jersey's Lemon Law covers new vehicles within 2 years or 24,000 miles. After three repair attempts or 20 days out of service, the consumer can seek a refund or replacement. The state also covers leased vehicles.

Full lemon law guide Talk to a lemon law attorney

Emissions Testing

New Jersey requires biennial emissions inspections for most vehicles 5+ model years old. Testing is performed at state Motor Vehicle Commission inspection stations at no charge.

EV Incentives

New Jersey exempts electric vehicles from sales tax and offers a Charge Up New Jersey rebate of up to $4,000 for new EV purchases. The state is also investing heavily in public charging infrastructure.

Full EV incentives guide

Registration & Title

Registration Fee

$46.50 - $84 based on weight

Title Fee

$60

Plate Fee

New Jersey charges annual registration fees based on vehicle weight. A 6.625% sales tax applies to vehicle purchases (EVs are exempt). Title fee is $60.

Full registration guide