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New Jersey Auto Insurance Discounts

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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.

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

Multi-Car Discount

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


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.


Anti-Theft Device Discount

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


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 is required for the discount to be applied. If classroom and behind-the-wheel were given by two separate training facilities, two documents will be required.