Best Car Insurance in NJ

Welcome to New Jersey, where you're only a quick drive to the beach in one direction, or New York City in the other. You could be heading into work or heading out on a spontaneous day trip, but there will always be thousands of cars around you, keeping you on your toes. When you're on the road, you want to be protected. For nearly 100 years, NJM has taken care of New Jersey drivers. We know what it takes to provide value with your auto insurance policy.

As a leading insurance carrier in the Garden State, NJM takes pride in its commitment to customers. NJM's customer service has been recognized both regionally and nationally as one of the best. Here are six reasons why NJM is the best auto insurance in New Jersey:

  1. Save when You Switch: NJM offers competitive rates for auto insurance to New Jersey residents. New customers could save an average of 25% on their auto policies!*

  2. Homeowners Bundle: Bundle your NJM Auto Insurance with your NJM Homeowners, Condo, or Renters policy and save.

  3. Customized Discounts: Do you have multiple cars? Have a straight-A student in the house? You may qualify for these discounts and more.

  4. Dividend Checks: We're committed to operating for the benefit of our policyholders, which includes mailing out dividend checks at the end of the year. Although not guaranteed, special dividend checks have been mailed each year since 1994!

  5. 24/7 Roadside Assistance: 24/7 Roadside Assistance is an available option with every New Jersey auto policy. We'll even reimburse you up to your chosen limit if you'd rather use your own roadside mechanic or towing operator.

  6. Nationally Recognized Customer Service: In an industry that relies on customer service, we pride ourselves on being committed to our customers.

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.

As an NJM customer, you’ll enjoy the benefits of being part of the family, which comprises more than 450,000 car insurance policyholders, 93% of whom renew their policies with us each year. What are you waiting for? Join the NJM family today!

* 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.

‡ This discount does not apply on Basic Personal 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

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.