More Ways You Can Save

New Jersey Auto Insurance Discounts

Defensive Driving

Complete a classroom or online course approved by the New Jersey Motor Vehicle Commission (MVC) for a 5% discount to your liability, PIP and collision premiums that applies for up to three years.

Documentation required: log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.

New Jersey Defensive Driving Discount Qualifications

  • Requires a motor vehicle record check for the driver
  • Applicable for principal and occasional operators
  • Only one defensive driving discount applies per vehicle
  • Adverse activity occurring after the completion of the defensive driving course can cause the elimination of the discount
  • Course can be retaken every three years
  • Courses completed prior to obtaining permit or license are eligible for application once permit/license is acquired

Driver Training Discount

Available to drivers under 21 years of age who successfully complete 30 hours of classroom instruction and six hours behind-the-wheel training, or three hours behind-the-wheel training and 12 hours in an approved driving simulator.

Documentation required: log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.


Electronic Payment

If you are enrolled in our automatic payment plan, you’ll receive a discount. Go to "Log In" to enroll.


Full Coverage

If you carry both collision and other than collision (comprehensive), a discount will automatically be applied to your policy.


Good Student Discount

At NJM, we're committed to education both on and off the road. If you're a high school or college student who's made honor roll or Dean's List and has at least a B average or 3.0 GPA, you may qualify for a discount.

Documentation required: log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.


Home and Auto Bundle

Add NJM Auto Insurance to your NJM Homeowners or Renters Insurance and save. Get started with an online auto quote. online auto quote.


Multi-Vehicle Discount

If two or more vehicles are insured on the same policy, a multi-car discount is applied to each one.


New Car

If your car is two model years old or newer, we'll apply a discount.


Paid in Full

Pay your policy premium in full, rather than in monthly installments, and you'll receive a discount.


Vehicle Safety Equipment Discount

You may be eligible for a discount on your policy for each auto equipped with an anti-theft or vehicle recovery device; anti-lock brakes; or passive restraints.