Car Insurance in Burlington Township, NJ

If you're shopping for car insurance in Burlington Township, start by making sure you're actually in the right Burlington. New Jersey has two of them sitting side by side in Burlington County — a township of about 24,400 people and a separately-run city of the same name — and mixing them up is easier than it sounds, since they share a border, a ZIP code, and a name that's gone unchanged for over three centuries.

Burlington Township is the one you're reading about here: a long-established Burlington County suburb with its own municipal government, its own tax base, and its own slice of the county's mix of highways, river crossings, and older subdivisions.

Two Municipalities, One Name

The City of Burlington came first. It was incorporated in 1693, received a royal charter from the English crown in 1733, and was reincorporated under the state in 1784. Burlington Township followed over a century later, officially incorporated on February 21, 1798, as one of the first 104 townships created under New Jersey's new Township Act.

The two have stayed legally separate ever since, with one notable exception: in 1851, the city was reincorporated and enlarged by annexing part of the township's land. That border adjustment is a big part of why the line between city and township still confuses people shopping for insurance, mail delivery, or a new address today.

Same ZIP, Different Government

Both municipalities use ZIP code 08016, since the Postal Service routes mail by delivery efficiency, not municipal lines. That means an address alone won't tell an insurer, or anyone else, whether a property sits in the city or the township — you have to know which local government actually has jurisdiction.

For insurance purposes, that distinction mostly affects things like local claims history and road conditions rather than the statewide coverage rules, which apply identically on both sides of the municipal line.

Route 541, I-295, and a Mall That Isn't There Anymore

Route 130 and Route 541 both cut through Burlington Township, and Route 541 crosses I-295 at a cloverleaf interchange not far from where the old Burlington Center Mall used to stand. That mall was the last of South Jersey's five regional malls to open — and the first to be completely demolished. The 240-acre site is now The Crossings, a commercial corridor of retail and restaurants along the same stretch of Route 541.

The township also reaches the Delaware River, bordering Bristol Township, Pennsylvania, across the water — putting the Burlington-Bristol Bridge and a Philadelphia-bound commute within easy reach for township drivers.

Slow, Steady Growth

Burlington Township isn't booming, but it isn't shrinking either. The population grew from about 20,300 in 1990 to roughly 22,580 by 2000, reached 23,988 at the 2020 Census, and is estimated at 24,392 as of 2024 — a modest, consistent climb typical of an older, already-built-out Burlington County suburb rather than a town still filling in new subdivisions.

What New Jersey Requires, Township or City

Whichever Burlington an address actually sits in, the statewide coverage rules don't change. As of January 1, 2026, a Standard Policy needs at least $35,000 in bodily injury liability per person, $70,000 per accident, and $25,000 in property damage, plus $15,000 in PIP under New Jersey's no-fault system. The Basic Policy alternative — $5,000 property damage, $15,000 PIP, no bodily injury requirement — held at its older limits through the 2026 change.

• Confirm which municipality your quote is actually pricing: township and city share ZIP 08016 but have separate local governments and claims histories.
• Check your liability limits against the 2026 minimums: 35/70/25 plus $15,000 PIP is the current Standard Policy floor statewide.
• Factor in your commute corridor: Route 541's interchange with I-295, and the Burlington-Bristol Bridge into Pennsylvania, both add daily mileage worth mentioning to an insurer.
• Weigh Standard against Basic carefully: the Basic Policy's lower cost comes with real limits on your right to sue after a crash.

For more on how much coverage to carry above the state floor, see our minimum vs. full coverage guide.

Two Burlingtons, one ZIP code, and over 300 years of staying legally separate — that's the backdrop here. Make sure any quote reflects Burlington Township specifically, not a generic estimate for the city next door.