New Jersey Auto Insurance

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Our People Make a Difference

New Jersey drivers deserve auto insurance they can depend on. Whether you're driving on the Jersey Turnpike or heading down the shore on the Atlantic City Expressway, you need someone who understands that car insurance is more than just protection for your car. That's where we come in. We understand that providing insurance takes empathy, compassion, and good old-fashioned hard work. We work to be the best we can be, so you can focus on the things that matter most.

You're going to love NJM.

Here's what our customers say:


Who Needs Auto Insurance?

If you own a car in New Jersey, 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 New Jersey?

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. Your Right to Sue choice may affect whether you can recover for some bodily injuries. In some states, this coverage also may pay for your property damage caused by a motorist with too little insurance.

Collision

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.

Auto Insurance Guidance

New Jersey No-Fault Insurance

Since New Jersey is a no-fault state, if you or anyone covered by your policy is injured in an auto accident, your policy pays for reasonable and necessary medical expenses (up to your chosen limit), regardless of who caused the accident. No-Fault or Personal Injury Protection (PIP) can provide medical and optional non-medical coverage for the injuries and expenses that you or anyone covered by your policy suffers in an auto accident. PIP has two parts:

Medical Expenses

Coverage for the cost of treatment you receive from hospitals, doctors and other medical providers and any medical equipment that may be prescribed to treat your injuries.

Optional Coverages for Non-Medical Benefits

Reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family.

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:

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

New Jersey policyholders are also eligible to receive dividends. Returning dividends to our policyholders is one example of our commitment to providing reliable, cost-effective, and safety-focused insurance.

Save with Discounts

How Much is Auto Insurance in New Jersey?

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.

NJM's auto insurance is approximately 20% lower than what other New Jersey drivers pay. In addition, we offer 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 Two Consecutive Years

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

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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
Motorcycle and ATV Insurance
Boat
Boat and Personal Watercraft Insurance

Online Convenience
Convenience

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

FAQs
Confidence

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 served New Jersey drivers from all over the state. Although cars and technology have changed, our commitment to service hasn't. The last thing you want in the unfortunate event of an accident is a surprise from the people who should have answers. Our team will walk you through the claims process and make sure all of your questions are handled, including what happens next.

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

║ NJM shares positive financial results with its policyholders in the form of dividends. For this reason, the payment of a dividend is not guaranteed. Dividends are not paid on all policy forms or in every state in which NJM operates.

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

* 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 2019 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 jdpower.com.

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.