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 discount to your liability, PIP and collision premiums that applies for up to three years. The list of approved course providers appears below the Defensive Driver Courses section of the NJ MVC Driver Programs page. A discount will not apply when completing Driver Improvement Plan (DIP) or Probationary Driver Program (PDP) courses.

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

  • 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 must provide no less than six hours of instruction

  • 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 (CT, NJ, and PA only)

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.

Connecticut Qualifications

A discount may be applied to an operator who at any age:

  • Completes a minimum of 30 clock hours of classroom instruction plus a minimum of six clock hours of behind-the-wheel instruction. These requirements may be met in either of the following ways:
    • The course was successfully completed at a public secondary school, a technical education and career school, or a private secondary school.

    • The course was successfully completed at a licensed driver's school approved by the Commissioner of Motor Vehicles.

New Jersey and Pennsylvania Qualifications

  • 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.

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

A discount applies for drivers over a certain age who have taken a qualified 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.

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

A Mature Driver Accident Prevention Course discount applies for up to two years for drivers who have taken an approved course.

  • The driver must be 60 years or older.

  • Within the past year, the driver must have completed an approved accident prevention course.

  • The driver must take an approved course every 2 years to continue eligibility for the discount. The course must be completed within one year of the discount's expiration date.

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

A Mature Driver Program discount applies for up to three years for drivers who have taken an approved course.

  • The driver of the vehicle must be at least 60 years of age

  • The driver must voluntarily complete an approved Motor Vehicle Accident Prevention Course

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

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

A Mature Driver Improvement 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.

  • 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 (CT, OH, and 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.


* The Electronic Payment discount may not be combined with the Paid-in-Full discount.

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

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

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.