Pennsylvania Auto Insurance

Our People MakeĀ a Difference

NJM offers more than just policies. We believe providing insurance takes empathy, understanding, and good old-fashioned hard work. The most important part of our auto insurance coverage is our people, who are committed to your satisfaction wherever you're driving. Whether you're coming from Philadelphia, Doylestown, or Norristown, you can rest assured that we'll be there for you.

Trust and Convenience

Insurance is a promise. Our most important job is to be there when you need us. We've helped generations of customers recover after a loss. So rest easy because this isn't just insurance, it's NJM.

Pay your bill online or set up automatic payments, upload photos for existing claims, easily manage your policy online, and enjoy benefits for being a good driver.

With NJM you'll get all the convenience you expect with the exceptional customer service you deserve.

Benefits of NJM Auto Insurance

Discounts for Drivers

You may qualify for discounts, including: Multi-Vehicle, Anti-Theft, Full Coverage, New Car, Paid-in-Full, Electronic Payment, Driver Training, Good Student, and Mature Driver Improvement.

Homeowners Bundle

Combining your homeowners and auto policies gets you a 5% discount on your auto coverage. We also have auto discounts for condo and renters policyholders.

Roadside Assistance

Add roadside assistance to your policy for additional protection. This optional service, which includes emergency towing, is available 24/7 anywhere in the United States or Canada.

Financial Strength

A.M. Best Company, the country's primary insurance rating agency, rates NJM "A+" (Superior) for financial strength. That's a sign of security that policyholders can trust.

NJM Recognized as First Recipient of J.D. Power Claims Certification

J.D. Power Logo

NJM Insurance has been certified by J.D. Power for providing "An Outstanding Auto Claims Experience" for personal lines customers.

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Pennsylvania Auto Insurance Coverages

Pennsylvania No-Fault Insurance

Since Pennsylvania is a no-fault state, if you, or anyone who qualifies for coverage under your policy, is injured in an auto accident covered by your policy are injured in an auto accident, your policy pays for your own medical expenses no matter who caused the auto accident.

Pennsylvania First Party Benefits

First Party Benefits provide medical coverage for injuries you, or anyone who qualifies for coverage under your policy, suffers in an auto accident, regardless of fault. Optional First Party Benefits include coverage for:

  • Lost wages
  • Funeral expense
  • Accidental death


This coverage pays for damage to others that is caused by you as a result of an auto accident. It also pays for a lawyer to defend you if you are sued for damages that you cause.


This coverage pays for damage to your vehicle, which is greater than your chosen deductible, that results from your vehicle's impact with another vehicle or object.

Other Than Collision

This coverage pays for damage to your vehicle, which is greater than your chosen deductible, that is not a result of a collision. This includes theft of your vehicle, vandalism, flooding, fire, or a broken windshield. This coverage also applies if you collide with an animal.

Disclaimer: J.D. Power 2018 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