Does one need auto insurance to drive with a permit in New Jersey?

In New Jersey, it is mandatory for all drivers operating a vehicle with a permit to carry auto insurance. New Jersey's Graduated Driver License (GDL) program requires permit holders to be supervised by a licensed adult over the age of 21 who is occupying the front seat. However, it's important for permit holders to possess their own auto insurance policy because they are considered the driver of the vehicle and held legally responsible for any damages or injuries that occur while driving.

The required minimum liability coverage for a permit holder in New Jersey are as follows:

- Bodily Injury Liability: $15,000 per person, $30,000 per accident

- Property Damage Liability: $5,000 per accident

However, purchasing higher limits of liability coverage is highly recommended for added protection. It's also advisable for permit holders to discuss with their insurance provider the possibility of adding endorsements or riders to the policy that cater specifically to the restrictions and requirements of driving with a permit, such as coverage for damage to the vehicle they're learning to drive or coverage for injuries sustained by the supervising driver.

It is crucial to be in compliance with New Jersey's auto insurance laws as operating a vehicle without insurance can result in penalties such as fines, license suspension, or even the impounding of the vehicle.