New Jersey Auto Insurance

Our People Make a Difference

We understand that providing insurance takes empathy, compassion, and good old-fashioned hard work. This is part of the reason why 95% of our customers renew with us each year, and 8 out of 10 say they would recommend us to friends and family. The most important part of our policies is our people. We look for the best and expect the best when they're answering questions and handling your claims, because that's exactly what you deserve.

Benefits of NJM Auto Insurance

A Savings of 20% Over Competitors

Percentage is based upon a comparison of the average NJM premium with the average statewide premium as reported by the New Jersey Department of Banking and Insurance.

Homeowners Bundle

Combining your homeowners and auto policies gets you a 5% discount on your auto coverage. We also have auto discounts for condo and renters policyholders.

Discounts for Drivers

You may qualify for the following discounts: Multi-Car, Anti-Theft, Full Coverage, New Car, Paid-in-Full, Electronic Payment, Driver Training, Defensive Driving, and Good Student.

Roadside Assistance

You have the option of adding roadside assistance for additional protection. This service, which includes emergency towing, is available 24/7 anywhere in the United States or Canada.

NJM Recognized as First Recipient of J.D. Power Claims Certification

J.D. Power Logo

NJM Insurance has been certified by J.D. Power for providing "An Outstanding Auto Claims Experience" for personal lines customers.

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New Jersey Auto Insurance Coverages

New Jersey No-Fault Insurance

Since New Jersey is a no-fault state, if you, or anyone who qualifies for coverage under your policy, is injured in an auto accident, your policy pays for your medical expenses regardless of who caused the auto accident.

New Jersey PIP

Personal Injury Protection (PIP) provides medical coverage for injuries you, or anyone who qualifies for coverage under your policy, suffers in an auto accident. PIP has two parts:

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

  • 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.

Liability

This coverage pays for damage to others that is 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 that you cause.

Collision

This coverage pays for damage to your vehicle, which is greater than your chosen deductible, that results from your vehicle's impact with another vehicle or object.

Other Than Collision

This coverage pays for damage to your vehicle, which is greater than your chosen deductible, that is not a result of a collision. This includes theft of your vehicle, vandalism, flooding, fire, or a broken windshield. This coverage also applies if you collide with an animal.

Disclaimer: J.D. Power 2018 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.