New Jersey Personal Automobile Insurance Plan (NJPAIP) in 2025 (High-Risk Policy Details)
The New Jersey Personal Automobile Insurance Plan (NJPAIP) is a state program providing auto insurance for high-risk drivers in New Jersey. NJPAIP rates start at $122 per month, with a 30% down payment option, and the rest are payable over nine months. In NJ, it is considered a reliable option with strong reviews.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated August 2025
The New Jersey Personal Automobile Insurance Plan (NJPAIP) helps drivers who have trouble finding car insurance by ensuring everyone can get coverage.
It offers affordable insurance with the right protection for people who might be seen as risky to insure. When looking at the companies that work with the NJPAIP, it’s important to think about price, customer service, and what the auto insurance covers.
Some companies stand out because they offer the best rates and good coverage, making them the top choice for drivers in New Jersey.
- NJPAIP helps drivers find coverage who can’t get standard insurance
- It covers high-risk and hard-to-insure New Jersey drivers
- NJPAIP guarantees the required minimum auto coverage
PAIP may not be your only option. Enter your ZIP code above to compare free high-risk auto insurance NJ quotes from companies in NJ today.
NJPAIP: Who Needs It and Why It Exists
The New Jersey Personal Automobile Insurance Plan (NJPAIP) is made for drivers who can’t get regular coverage because of their driving history. If you’ve had accidents, tickets, a DUI, or a lapse in coverage, you might be seen as high-risk.
That’s where high-risk auto insurance in NJ comes in. The New Jersey Automobile Insurance Plan helps by assigning you to a company that must give you a policy through the NJ Personal Auto Insurance Plan (PAIP).
High-risk drivers include new drivers, those with traffic violations, poor credit, teens, elderly drivers, or people living in high-risk areas.Scott W. Johnson Licensed Insurance Agent
This plan makes sure you can still follow New Jersey’s car insurance requirements, even if regular companies have turned you down. A lot of folks search for auto insurance quotes in Bridgeton, NJ, and other towns to compare prices. Rates for high-risk drivers are higher than average, but it’s better than driving without coverage and getting fined.
NJPAIP is a good way to stay insured while you work on improving your record. Over time, if your driving gets better, you might qualify for regular insurance with lower rates.
Read more: Best New Jersey Auto Insurance
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
How the NJPAIP Application Process Works
The New Jersey Personal Automobile Insurance Plan (NJPAIP) helps drivers who can’t get regular coverage because of their driving history. To apply, you fill out a form and give proof of your license, address, and driving record. This info helps car insurance companies in NJ for high-risk drivers understand your situation.
After that, the plan assigns you to an insurance company that works with NJPAIP. This way, even high-risk drivers can get personal auto insurance in New Jersey that meets the law.
Many drivers look for a review of high-risk auto insurance in NJ to learn more about their choices. Some also check NJPAIP photos and guides online. Overall, the process makes sure drivers who might be turned down by regular companies still have a way to get coverage and stay legal.
Check out our guide to the best Bridgeton, New Jersey auto insurance to find the right coverage for your needs, even if you’re a high-risk driver.
New Jersey Personal Automobile Insurance Plan (NJPAIP) Coverage
The NJPAIP insurance program helps drivers who are considered high risk and can’t get coverage through regular companies. It provides access to NJ high-risk auto insurance, making sure drivers can legally stay on the road.
The plan offers the basic coverage required by state law, including liability, which pays for damage or injuries you cause to others, and personal injury protection (PIP), which helps cover your medical bills after an accident.
Optional add-ons are also available, like collision coverage that pays for damage to your own car after a crash, and comprehensive coverage for things like theft, fire, or storms. If you’re looking for cheap auto insurance in NJ for high-risk drivers, this program is worth looking into.
You can start by checking car insurance quotes in Bridgeton, NJ, or your area. The plan is built to give car insurance for high-risk drivers in NJ who need to meet legal coverage standards.
How to Buy New Jersey’s Personal Automobile Insurance Plan
To buy New Jersey’s Personal Automobile Insurance Plan (PAIP), you must be a New Jersey resident with a registered vehicle and a valid driver’s license, or proof that it was suspended for not having insurance.
This program helps high-risk drivers who’ve been denied coverage by standard insurers. Gather your driver’s license, vehicle registration, insurance points, and a list of companies that denied you. If you live locally, auto insurance companies in Bridgeton, NJ, may assist with the application process and help you access NJ PAIP coverage.
Key Features of New Jersey Personal Automobile Insurance Plan
| Feature | Details |
|---|---|
| Purpose | For high-risk drivers denied by standard insurers |
| Eligibility | NJ resident, valid license, denied by 2+ insurers |
| Policy Types | Basic and Standard |
| Basic Coverage | $15K PIP, $5K Property, optional $10K Bodily Injury |
| Basic Rate | $122–$180/month |
| Standard Coverage | $25K/$50K Bodily, $25K Property, $15K PIP, UM/UIM |
| Standard Rate | $180–$295/month |
| Assignment | No insurer choice; assigned at random |
| Payment | Full or 30% down + 9 monthly payments |
| Apply | Through NJ PAIP agents or njpaip.com |
You can apply by contacting a local agent who offers auto insurance for high-risk drivers in NJ or by visiting njpaip.com or calling 1-800-446-7467. Once approved, NJ PAIP assigns you to a participating insurer.
If you've been denied coverage due to a poor driving record, NJPAIP ensures you stay legal on the road by assigning you to a participating insurer.Jeffrey Manola Licensed Insurance Agent
You can pay the premium in full or make a 30% down payment and pay the rest over nine months. This plan ensures that even high-risk drivers can stay legally insured and continue driving in New Jersey.
Read More: Auto Insurance in New Jersey
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
NJ Personal Automobile Insurance Plan Cost
Regular New Jersey auto insurance is generally more expensive than the national average, and PAIP insurance is generally even higher than that due to the high-risk nature of most drivers insured through the program. For example, you might need PAIP insurance in NJ if you have a spotty driving record.
Check out the table below to see how much you could pay for car insurance based on your driving record:
Auto Insurance Monthly Rate Increases: Clean Record vs. One DUI
| Insurance Company | Clean Record | One DUI | Rate Increase |
|---|---|---|---|
 | $87 | $152 | 75% |
 | $62 | $104 | 68% |
 | $76 | $105 | 38% |
 | $43 | $117 | 172% |
 | $96 | $178 | 85% |
 | $63 | $129 | 105% |
 | $56 | $75 | 34% |
 | $47 | $65 | 38% |
 | $53 | $112 | 111% |
 | $32 | $58 | 81% |
There are two different PAIP auto insurance plans: standard and basic. Rates for the standard NJ Automobile Insurance Plan will be more expensive than basic, but it will also offer more coverage.
One of the biggest factors that affects auto insurance rates in New Jersey is where you live. If you live in a higher-risk area, your rates will be higher. For example, if you park your car on the street, your rates will be higher than those of someone who parks in a garage.
Read More: Cheap Auto Insurance for a Bad Driving Record
New Jersey Personal Automobile Insurance Plan (NJPAIP) Guide
The New Jersey Personal Automobile Insurance Plan (NJPAIP) provides coverage for high-risk drivers who can’t get insured through the voluntary market due to accidents, DUIs, tickets, or lapses in coverage.
While NJPAIP helps meet New Jersey’s minimum auto insurance requirements, it is more expensive, often over $200 a month.
To apply, you must be a New Jersey resident with a valid license or proof of suspension due to lack of insurance. After submitting documents, the state assigns you to a participating insurer. Coverage includes liability, personal injury protection (PIP), and optional collision or comprehensive protection.
There are two PAIP options—basic and standard, with standard offering more coverage at higher rates. Your premium depends on your driving history and where you live. While you can’t choose your provider under NJPAIP, the plan ensures you remain legally insured.
To compare quotes from top New Jersey high-risk auto insurance companies, enter your ZIP code using the free tool online. Over time, improved driving may help you qualify for standard insurance at better rates.
Frequently Asked Questions
What is the purpose of the New Jersey Personal Automobile Insurance Plan?
The New Jersey Personal Automobile Insurance Plan (NJ PAIP) is a program designed to provide NJ auto insurance for high-risk drivers who are unable to obtain insurance through the voluntary market. It is administered by the New Jersey Automobile Insurance Plan (NJAIP) and ensures that all drivers have access to the required minimum auto insurance coverage.
Who is eligible for the New Jersey Personal Automobile Insurance Plan?
The New Jersey Personal Automobile Insurance Plan (PAIP) offers NJ car insurance for high-risk drivers denied coverage due to their poor driving record or other high-risk factors. Drivers who are unable to secure coverage at affordable rates in the voluntary market may also qualify for the program.
Ready to shop for high-risk car insurance in NJ? Enter your ZIP code into our free quote tool below to compare rates from the top NJ high-risk car insurance providers near you.
How does the New Jersey Personal Automobile Insurance Plan work?
The New Jersey Personal Automobile Insurance Plan, also known as the 996 New Jersey Automobile Insurance Plan (PAIP), assigns drivers to high-risk insurance in NJ from certain providers. Each participating company is required to accept a certain number of NJ PAIP applicants. The premiums for coverage under the plan may be higher than those in the voluntary market due to the higher risk associated with these drivers.
Read more: Minimum Auto Insurance Requirements by State
Can I choose my insurance company under the New Jersey Personal Automobile Insurance Plan?
No, the New Jersey Personal Automobile Insurance Plan assigns drivers to a participating auto insurance company in NJ based on a rotational system. Drivers cannot choose their insurance company under this plan.
What types of coverage are available under the New Jersey Personal Automobile Insurance Plan?
The New Jersey Personal Automobile Insurance Plan provides the same types of coverage as the voluntary market, including liability coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, and physical damage coverage (comprehensive and collision). However, the availability of additional coverage options may vary among participating companies.
Can I get discounts on my New Jersey Personal Automobile Insurance Plan premiums?
The New Jersey Personal Automobile Insurance Plan does not offer the same discounts and rating factors as the voluntary market. Since the plan is designed to provide coverage for high-risk drivers, the premiums are generally higher and do not include common discounts such as safe driver discounts or good student discounts.
Read more: Dollar-a-Day Auto Insurance in New Jersey
How long do I need to be in the New Jersey Personal Automobile Insurance Plan?
Drivers typically remain in the New Jersey Personal Automobile Insurance Plan until they can establish a more favorable driving record or find coverage in the voluntary market at affordable rates. It is important to maintain a clean driving record and demonstrate responsible driving behavior to improve your chances of transitioning out of the NJ PAIP.
Ready to get cheap auto insurance in NJ for high-risk drivers? Use our free quote comparison tool below to find affordable rates from the top car insurance companies in NJ for high-risk drivers.
Is PIP mandatory in NJ?
Yes, New Jersey law requires drivers to carry personal injury protection (PIP) auto insurance coverage.
How can I apply for the New Jersey Personal Automobile Insurance Plan?
To apply for the New Jersey Personal Automobile Insurance Plan, you should contact a licensed insurance agent or broker in New Jersey. They will assist you in completing the necessary application forms and guide you through the process of obtaining coverage under the plan.
What is the cheapest car insurance in New Jersey?
Usually, Geico offers the cheapest rates overall in New Jersey, averaging $74/mo with a clean record.
What is the NJ Personal Auto Insurance Plan (PAIP) claims phone number?
What is AIPSO NJ?
What is the 996 New Jersey Automobile Insurance Plan?
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
