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New Jersey Auto Insurance Discounts

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.

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.