New Jersey Auto Insurance
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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.
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.
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:
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:
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.
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:
Have two or more vehicles in your household? We'll apply a discount to each car that's insured under the same policy.
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.
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.
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.
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.
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.