New Jersey Auto Insurance

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

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.

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 work with you to ensure that you can drive with confidence.

What Can Auto Insurance Cover in New Jersey?


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.


Pays, above your chosen deductible, for damage to your vehicle resulting from your vehicle’s impact with another vehicle or object.

Underinsured and Uninsured Motorist

Provides protection 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. This coverage also may pay for your property damage caused by a motorist with too little insurance.

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

New Jersey is considered a no-fault insurance state. This means that if you, or an individual 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. Personal Injury Protection (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 incur, such as lost wages and the need to hire someone to take care of your home or family.

When you apply for an auto insurance policy, we will ask if you want “Health Insurance Primary.” Read our FAQs about PIP Health Insurance Primary to learn about this option.

Why NJM?

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.

Save with Discounts

You deserve some bonuses for joining the NJM family, too. Check out some of our available discounts.

Homeowners Bundle
Bundle Discount

Save more by bundling your policies with NJM. Get a free 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 Discount

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.


New Jersey policyholders are eligible to receive dividends, which reduce the overall cost of auto and home insurance.

Dividends amount to a percentage of the premium you paid on your prior year’s policy. New Jersey policyholders with NJM Auto, Homeowners, Condo, or Renters Insurance receive a dividend that is applied as a credit to the policy premium when the policy renews the following year.

New Jersey policyholders with NJM Auto Insurance may also receive a second dividend, known as a “special dividend,” which comes in the form of a check.

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.

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 to replace the vehicle 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 a higher rental reimbursement limit. Increased limits are only available for insured vehicles with physical damage (comprehensive) coverage.

Know Your Policy

Car insurance helps reimburse you for vehicle repairs after a covered accident. NJM policies with physical damage (comprehensive and collision) coverage also include:

Limited Pet Coverage§
New Car
New Car Replacement§
Transportation Expenses
Transportation Expenses
Online Convenience

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


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.

* 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.

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

║ With respect to dividend advertisements, 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.

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.