Pennsylvania Auto Insurance
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Our People Make a Difference
Driving across the Pennsylvania Turnpike, you'll see beautiful scenery in every season of the year. Wherever you're headed, NJM will have your back, because we offer more than just policies. We understand that providing insurance takes empathy, compassion, and good old-fashioned hard work. Whether you're coming from Philadelphia, Doylestown, or Norristown, you can rest assured that we'll be there for you.
You're going to love NJM.
Here's what our customers say:
Who Needs Auto Insurance?
If you own a car in Pennsylvania, auto insurance is legally required. Aside from that, having coverage you can count on is worth the peace of mind. At NJM, we work with you to get you the coverage that suits your needs, no matter what kind of coverage you're looking for. Our team of representatives will walk through every detail to ensure that you can drive with confidence.
What Can Auto Insurance Cover in Pennsylvania?
Pennsylvania No-Fault Insurance
Since Pennsylvania is a no-fault state, if you or anyone covered by your policy is injured in an auto accident, your policy pays for necessary medical expenses (up to your chosen limit) regardless of who caused the accident.
Know Your Policy
Car insurance helps reimburse you for vehicle repairs after a covered accident. Did you know that NJM policies with physical damage (comprehensive and collision) coverage also include:
Save with Discounts
How Much Is Auto Insurance in Pennsylvania?
Car insurance costs vary from person to person based on a number of factors, such as your driving history and your vehicle's age, make/model, and usage. Of course, the coverage you choose will also impact how much you pay. We'll work with you to create a policy that meets your needs.
By switching to NJM Auto Insurance, your premium could be up to 20% lower† than what other Pennsylvania drivers pay. NJM also offers a number of discounts for auto policies:
Auto + Home Bundle Discount
If you already have an NJM Homeowners, Condo, or Renters policy, adding an auto insurance policy is easy and helps you save.‡
Multi-Car Discount
Have two or more vehicles in your household? We'll apply a discount to each car that's insured under the same policy.
Good Student
We think you deserve some savings for doing well in school. If you're a high school or college student who's made the honor roll or Dean's List, or has at least a B average or 3.0 GPA, you may qualify for a discount.
Customize Your Policy
If you think you need additional coverage, we can offer that, too. Endorsements allow you to add increased limits and extra coverages to your policy. Personalize your coverage for your unique needs.
NJM Recognized for Two Consecutive Years
We provide “An Outstanding Claims Experience” to personal lines customers. Just ask J.D. Power, which recognized us with Auto Claims Certification two years running.
Specialty Coverages
NJM has partnered with American Modern,* known nationally for its specialty coverages, to offer insurance for your classic and collector cars, motorcycles and ATVs, and boats and personal watercraft.
Why NJM?
NJM has been helping drivers for nearly 100 years. Although cars and technology have changed, our commitment to service hasn't. The last thing you want in the unfortunate event of an accident is a surprise from the people who should have answers. Our team will walk you through the claims process and make sure all of your questions are handled, including what happens next.
§ Applies to New Jersey policies issued or renewed after 6/1/19 and Pennsylvania policies issued 1/1/18 and later.
† For NJ policies, percentage savings based on a comparison of the average NJM premium with the average statewide premium as reported by the NJ Department of Banking and Insurance. For PA policies, percentage savings based on average annual savings of customers with policies in force on 10/31/19 who reported their prior auto insurance premiums and switched to NJM.
‡ The discount does not apply on New Jersey Re-Insurance Company auto policies. Discount applied at renewal only.
* American Modern coverages are written by one of the licensed insurers of American Modern Insurance Group, Inc., unaffiliated with NJM Insurance Company, and subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary. American Modern is a registered trademark of American Modern Insurance Group, Inc.
J.D. Power 2019 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 jdpower.com.
The information and descriptions of coverage on this site are general in nature. 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.
