More Ways You Can Save

Auto Insurance Discounts

Defensive Driving (NJ only)

Complete a classroom or online course approved by the New Jersey Motor Vehicle Commission (MVC) for a 5% discount to your liability, PIP and collision premiums that applies for up to three years.

Documentation is required. Log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.

New Jersey Qualifications:

  • Requires a motor vehicle record check for the driver

  • Applicable for principal and occasional operators

  • Only one defensive driving discount applies per vehicle

  • The discount may be eliminated for adverse activity occurring after the completion of the defensive driving course

  • Course can be retaken every three years

  • Courses completed prior to obtaining permit or license can be submitted once permit/license is acquired

Driver Training Discount

Available to drivers under 21 years of age who complete 30 hours of classroom instruction and six hours behind-the-wheel training, or three hours behind-the-wheel training and 12 hours in an approved driving simulator.

Documentation is required. Log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.


Electronic Payment

If you are enrolled in our automatic payment plan, you'll receive a discount.§ Log in to enroll.


Full Coverage

If you carry both collision and other than collision (comprehensive), a discount will automatically be applied to your policy.§


Good Student Discount

At NJM, we're committed to education both on and off the road. If you're a high school or college student who's made honor roll or Dean's List or has at least a B average or 3.0 GPA, you may qualify for a discount.

Documentation is required. Log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.


Home and Auto Bundle

Add NJM Auto Insurance to your NJM Homeowners, Condo, or Renters Insurance and save. Get started with an online auto quote. online auto quote.


Mature Driver Improvement (PA only)

A discount applies to liability, first party benefits, uninsured motorists, underinsured motorists, comprehensive and collision premiums for up to three years after all named insureds take an approved course.

Documentation is required. Log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.

Pennsylvania Qualifications: (Discount is applied at new business and renewal only)

  • All named insureds must be 55 years or older

  • Within the past three years, all named insureds on the Declarations Page must have voluntarily completed a motor vehicle driver improvement course meeting criteria established by the Pennsylvania Department of Transportation

  • The named insureds must take an approved course every three years to continue to be eligible for the discount

  • The discount will be eliminated if any named insured is involved in a chargeable accident, convicted of a moving violation, or has participated in Accelerated Rehabilitative Disposition (ARD) for driving under the influence of alcohol or a controlled substance

Multi-Vehicle Discount

If two or more vehicles are insured on the same policy, a multi-car discount is applied to each one.


New Car

If your car is two model years old or newer, we'll apply a discount.§


Paid in Full

Pay your policy premium in full, rather than in monthly installments, and you'll receive a discount.§


Paperless Discount (PA only)

If you sign up for paperless delivery of documents, you'll receive a discount.


Vehicle Safety Equipment Discount

You may be eligible for a discount on your policy for each auto equipped with an anti-theft or vehicle recovery device; anti-lock brakes; or passive restraints.


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

‡ The discount does not apply on New Jersey Re-Insurance Company auto policies. Discount applied at renewal only.

† For NJ policies, percentage savings based on a comparison of the average NJM premium with the average statewide premium as reported by the NJ Department of Banking and Insurance. For PA policies, percentage savings based on average annual savings of customers with policies in force on 10/31/19 who reported their prior auto insurance premiums and switched to NJM.

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.