Auto insurance getting more expensive for 1.2M drivers A controversial law concerning coverage goes into effect Jan. 1.

As many as 1.2 million New Jersey drivers will begin paying more for their auto insurance in the new year under a bill Gov. The new law hiked the minimum amount of liability coverage previously allowed from $15,000 to $25,000. Overall, there are 5,970,000 private passenger vehicles insured in New Jersey, according to DOBI.