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 for most coverages.

Discounts for Drivers

You may qualify for the following discounts: Multi-Car, Anti-Theft, Driver Training, Defensive Driving, and Good Student.

Roadside Assistance

NJM car insurance policies include roadside assistance. This value-added 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 covered by your policy are injured in an auto accident, your policy pays for your own medical expenses no matter who caused the auto accident.

New Jersey PIP

Personal Injury Protection (PIP) provides medical coverage for injuries you, or anyone covered by your policy, suffer 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.

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