Connecticut Auto Insurance

Switch to NJM and you could save an average of $702 on your auto insurance.*

No Jingles or Mascots. Just Great Insurance.

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 your 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.

Homeowners Bundle
Bundle Discount

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

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 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

Provides protection if you are injured in an accident caused by a driver with too little or no insurance coverage.

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.

Full Glass Coverage

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

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:

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
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
Can You Drive Without Insurance?
Connecticut has financial responsibility laws that require drivers to have car insurance. 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
Can Anyone Get Auto Insurance?
NJM offers its personal insurance products to all Connecticut residents. Get a quote today! Learn More
Is Connecticut a No-Fault State?

No. In Connecticut, medical expense coverage is optional, but liability coverage is required. 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

* Figure reflects average annual personal auto insurance premium savings on a countrywide basis for applicants who reported their prior premiums and switched to NJM between 7/1/22 and 6/30/23. Individual savings may vary.

‡ 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

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

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.