In New Jersey Insurance is the Law 74.00 for one year the ped must also have a title that you will pay about 20 to put it in your name. and the tag for a year is 15.00 you can title without insurence but you can't register and get a tag without insurence info. you dont need the insurence card just the policy info. The card will come in the mail. then you carry it with you. when you title transfer the will ask you what you paid and charge you 7% sales tax if bought in N.J.