Connecticut Auto Insurance

Protecting where life happens. So you can focus on the moments that matter most.

Our People Make a Difference

Driving on the Merritt Parkway, you'll see some of the most scenic landscapes on the East Coast. Wherever you're headed, NJM has your back, because we offer more than just policies. We infuse every policy with empathy, compassion, and good old-fashioned hard work. Whether you're taking Route 9 to Ocean Beach Park or I-95 into the city, you can rest assured that we'll be there for you when you need us most. Just ask J.D. Power, which recognized us for providing an “outstanding auto claims experience” to personal lines customers three years in a row.

You're going to love NJM.

Here's what our customers say:

Who Needs Auto Insurance?

If you own a car in Connecticut, auto insurance is legally required. Aside from that, having coverage you can count on is worth the peace of mind. Our team of representatives will walk you through every detail of your policy to ensure you drive with confidence.

What Can Auto Insurance Cover in Connecticut?


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.

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.

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.


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

Full Glass Coverage

Provides coverage for damage to your car's safety glass, with no deductible.

Medical Expenses

Pays for immediate and necessary medical services following a car accident that results in injury.

Know Your Policy

Car insurance helps reimburse you for vehicle repairs after a covered accident. Did you know that NJM policies with physical damage (comprehensive and collision) coverage also include:

Limited Pet Coverage§
Transportation Expenses
Transportation Expenses
New Car
New Car Replacement§

Save with Discounts

How Much Is Auto Insurance in Connecticut?

Car insurance costs vary from person to person based on a number of factors, such as your driving history and the insured vehicle's age, make/model, and usage. Of course, the coverage you choose will also impact how much you pay. We'll work with you to create a policy that meets your needs.

NJM offers a number of discounts for auto policies.

Homeowners Bundle
Auto + Home Bundle Discount

If you already have an NJM Homeowners, Condo, or Renters policy, adding an auto insurance policy is easy and helps you save.

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

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.

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

This endorsement will pay for some or all of the difference between the balance of a loan or lease on a vehicle and what NJM pays if the car is considered a covered total loss.

NJM Roadside Assistance

You have the option of adding roadside assistance for additional protection in the event of a covered emergency, such as a flat tire, dead battery or getting locked out of your car. This service, which includes emergency towing, is available 24/7.

Transportation Expense Endorsement

You can purchase increased limits for your rental reimbursement if your vehicle is involved in a covered loss. Only available for policies with physical damage (comprehensive and collision) coverage.

J.D. Power Logo
NJM Recognized for Three Consecutive Years

We provide "An Outstanding Claims Experience" to personal lines customers. Just ask J.D. Power, which recognized us with Auto Claims Certification three years running.

Learn More

Specialty Coverages

NJM has partnered with American Modern,* known nationally for its specialty coverages, to offer insurance for your classic and collector cars, motorcycles and ATVs, and boats and personal watercraft.

Classic Car
Classic and Collector Car Insurance
Motorcycle and ATV Insurance
Boat and Personal Watercraft Insurance
Online Convenience

Experience the convenience of accessing your policy online. Learn More.


You have questions, and we have answers. Check out our Frequently Asked Questions.

Peace of Mind Reporting
Peace of Mind

NJM offers hassle-free claims reporting.

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.

‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.

§ Applies to New Jersey policies issued or renewed after 6/1/19, Pennsylvania policies issued 1/1/18 and later, and Connecticut policies.

* American Modern coverages are written by one of the licensed insurers of American Modern Insurance Group, Inc., unaffiliated with NJM Insurance Company, and subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary. American Modern is a registered trademark of American Modern Insurance Group, Inc.

J.D. Power 2020 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 and descriptions of coverage on this site are general in nature. 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.