Auto Insurance

Get your free personalized online quote and join the NJM family today!

No Jingles or Mascots. Just Great Insurance.

The Markets We Serve

NJM is among the Mid-Atlantic region’s leading property and casualty insurers. The Company is consistently recognized for its award-winning customer service, superior claims handling, and overall customer satisfaction.

NJM Auto Insurance is available to residents of Connecticut, MarylandNew Jersey, Ohio, and Pennsylvania. We understand that insurance needs are diverse, and we’ll help you select the coverage that’s right for you.

Save with Discounts

You deserve some bonuses for joining the NJM family. Check out some of our available discounts.

Homeowners Bundle
Bundle Discount

Save more by bundling your policies with NJM. Get a free quote for NJM Auto, Homeowners, Condo, Renters, or Umbrella policies.

Multi-Car Discount
Multi-Car Discount

Have two or more vehicles in your household? We’ll apply a discount to each car that’s insured under the same policy.

Good Student
Good Student Discount

We think you deserve some savings for doing well in school. If you’re a high school or college student who’s made the honor roll or Dean’s List, or has at least a B average or 3.0 GPA, you may qualify for a discount.

You’re going to love NJM.

Here’s what our customers say:

Customer testimonials are not in affiliation with J.D. Power 2023 Auto Claims Certification Program.

J.D. Power 2023 Auto Claims Certification
NJM Insurance has been certified by J.D. Power for providing personal lines customers with an exceptional Auto Claims Experience, 6 years in a row.

In an industry that relies on customer satisfaction, we pride ourselves on being committed to our customers. Get a quote today and learn what sets us apart.

What Can Auto Insurance Cover?


Pays for damage to others accidentally caused by you as a result of an auto accident. It also pays for a lawyer to defend you if you are sued for damages.

Medical Expenses

Depending on your state, can provide coverage for the medical expenses you or anyone covered by your policy incur as a result of an auto accident.

Underinsured and Uninsured Motorist

Pays to compensate you if you are injured in an accident caused by a motorist with too little or no insurance coverage. In some states, your Right to Sue choice may affect whether you can recover for some bodily injuries. In some states, this coverage also may pay for your property damage caused by a motorist with too little insurance.

Optional Property Damage Coverage


Pays, above your chosen deductible, for damage to your vehicle resulting from your vehicle’s impact with another vehicle or object.

Other than Collision (Comprehensive)

Pays, above your chosen deductible, for damage to your vehicle that is not the result of a collision with another car or object. Causes of damage might include theft, vandalism, flooding, fire, a broken windshield, or collision with an animal.

NJM policies with comprehensive and collision coverage also include: Limited Pet Coverage§, New Car Replacement§, and Transportation Expenses.

Have Questions? We Have Answers!

Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:

Can You Switch Insurance Companies During a Claim?
Yes, but you will still need to work with your previous insurer to settle the claim. Learn more
How Much Auto Liability Insurance Do You Need?
Many states require a minimum limit of liability insurance, but it may not be enough to cover your full responsibility if you cause an accident. Learn More
Can Anyone Get Auto Insurance?
NJM offers its personal insurance products to all New Jersey residents. Get a quote today! Learn More
Can You Drive Without Insurance?
New Jersey has financial responsibility laws that require drivers to have car insurance. Learn More
How Do You Get Car Insurance for the First Time?
After researching which insurers will provide you with a superior customer and claims experience, you'll need driver and vehicle information handy. Learn More
How Long After an Accident Can You File a Claim?
Many policies require that you report claims as soon as practicable following the incident. Notifying your insurer quickly can accelerate the process to get repairs and rental vehicles. Learn More
How Will Buying Auto Insurance Help You?
Auto insurance is a financial backup plan in case of the worst. It provides benefits such as prompt medical coverage if you’re injured in an auto accident, optional roadside assistance, and economic certainty. Learn More
What Are Split Limit and Combined Single Limit Policies?
The type of limit you have determines how much your insurance company will cover if you’re responsible for bodily injury or property damage. Learn More
What Is Uninsured and Underinsured Motorists Coverage?
Uninsured motorists (UM) coverage reimburses victims for certain damages resulting from a car accident caused by an uninsured driver. Underinsured motorists (UIM) coverage helps pay the gap between an at-fault driver’s liability insurance coverage and your damages, up to your chosen limit. Learn More
What Is a Declarations Page?
Your declarations page includes details about your insurance policy, including your name and address, the policy endorsements, and limits for each coverage. Learn More
What Is a Deductible?
A deductible is the amount you pay out of pocket for an insurance claim. Learn More
What Is an Insurance Premium?
An insurance premium is the amount you pay for your insurance policy. Learn More

Customize Your Policy

If you think you need additional coverage, we can offer that, too. Endorsements allow you to add increased limits and extra coverages to your policy. Personalize your coverage for your unique needs.

Gap Insurance
Gap Insurance
Roadside Assistance
NJM Roadside Assistance
Transportation Expense Endorsement

You can add some endorsements to your policy yourself when you access your policy online. Learn more or log in.

See all endorsements

Why NJM?

For more than 100 years, NJM has helped its customers focus on the moments that matter most. As an insurer with a reputation for outstanding customer and claims satisfaction, NJM works hard to ensure that you’re well cared for when life takes an unexpected detour. Join the NJM family today.

‡ This discount does not apply on Basic Personal Auto policies.

J.D. Power 2023 Auto Claims Certification Program℠ recognition is based on successful completion of an audit, exceeding a customer experience benchmark through a survey of recent claims servicing interactions, and a Financial Strength rating. For more information, visit

The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.