New Jersey Defensive Driving Discount | NJM

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New Jersey Defensive Driving Discount

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.

The discount is applied at new business and renewal only. A discount will not apply when completing Driver Improvement Plan (DIP) or Probationary Driver Program (PDP) courses.


  • 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

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

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All applications for insurance are subject to underwriting guidelines and approval. Coverage and discounts are subject to policy terms, exclusions and effective dates; limits and deductibles apply. Coverage is not available in all states. Insurance underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.