New Jersey
Insurance for New Jersey residents
Binsurance is a New Jersey-licensed Allstate agency serving residents across Mercer, Hunterdon, Burlington, Monmouth, Ocean, and Camden counties. We specialize in tri-state policies for PA commuters with NJ jobs, and vice versa.
Frequently asked questions
What are New Jersey's minimum auto insurance requirements? +
NJ offers two policy forms. Basic Policy: 15/30 BI, 5K PD, 15K PIP. Standard Policy: typically 25/50 BI minimum, with 15K PIP, plus uninsured motorist required. Most drivers should hold the Standard Policy at higher limits.
What's the difference between NJ's Basic and Standard policies? +
Basic is the cheapest legal option but provides almost no liability protection (most attorneys won't take a case against a Basic Policy driver because there's nothing to collect). Standard is what most homeowners and asset-holders need.
Do NJ residents need SR-22? +
Yes — NJ does use SR-22 filings (called 'financial responsibility filings'). We file them with the NJ MVC for clients after DUIs, lapses, or other triggering events.
Keep reading.
Auto
Garaging address for DE-PA commuters: where your car really lives
Commuting between Wilmington DE and Yardley PA? Your garaging address isn't where you work or where you're licensed. Here's the honest answer, and the fraud risk.
August 28, 2026
Tri-state
One Agent, Three States: Insuring PA, NJ, and DE in One Household
How a single Yardley-based Allstate agency licensed in PA, NJ, and DE handles your home, cars, and rental across state lines without the runaround.
July 3, 2026
Buyer guide
How much umbrella insurance do I actually need in PA, NJ, or DE?
Umbrella insurance isn't sized by your income — it's sized by what you can lose. Here's the real net-worth math for PA, NJ, and DE drivers.
June 5, 2026
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