Pennsylvania Auto Insurance

Switch to NJM and you could save an average of 25% on your auto insurance.*

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.

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. Our team of representatives will work with you to ensure that you can drive with confidence.

What Can Auto Insurance Cover in Pennsylvania?

Liability

Pays for damage to others accidentally 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.

Underinsured and Uninsured Motorist

Provides protection if you are injured in an accident caused by a driver with too little or no insurance coverage. Your Right to Sue selection may affect whether you can recover for some bodily injuries.

Other than Collision (Comprehensive)

Pays, above your chosen deductible, for damage to your vehicle that is not the result of a collision with another car or object. Causes of damage might include theft, vandalism, flooding, fire, a broken windshield, or collision with an animal.

Collision

Pays, above your chosen deductible, for damage to your vehicle resulting from your vehicle's impact with another vehicle or object.

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.

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.

Save with Discounts

You deserve some bonuses for joining the NJM family, too. Check out some of our available discounts.

Homeowners Bundle
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
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
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.

You're going to love NJM.

Here's what our customers say:


J.D. Power 2022 Auto Claims Certification
NJM Insurance has been certified by J.D. Power for providing personal lines customers with an exceptional Auto Claims Experience, 5 years in a row.

In an industry that relies on customer satisfaction, we pride ourselves on being committed to our customers. Get a quote today and learn what sets us apart.

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.

Gap Insurance

This endorsement will pay for some or all of the difference between the balance of a loan or lease on a vehicle and what NJM pays to replace the vehicle if the car is considered a covered total loss.

NJM Roadside Assistance

You have the option of adding roadside assistance for additional protection in the event of a covered emergency, such as a flat tire, dead battery or getting locked out of your car. This service, which includes emergency towing, is available 24/7.

Transportation Expense Endorsement

You can purchase a higher rental reimbursement limit. Increased limits are only available for insured vehicles with physical damage (comprehensive) coverage.

Know Your Policy

Car insurance helps reimburse you for vehicle repairs after a covered accident. NJM policies with physical damage (comprehensive and collision) coverage also include:

Pets
Limited Pet Coverage§
Transportation Expenses
Transportation Expenses
New Car
New Car Replacement§
Online Convenience
Convenience

Experience the convenience of accessing your policy online. Learn More.

FAQs
Confidence

You have questions, and we have answers. Check out our Frequently Asked Questions.

Peace of Mind Reporting
Peace of Mind

NJM offers hassle-free claims reporting.

§ Applies to New Jersey policies issued or renewed after 6/1/19, Pennsylvania policies issued 1/1/18 and later, and Connecticut, Maryland, and Ohio policies.

‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.

* Figure reflects average annual auto insurance premium savings on a national basis for applicants who reported their prior premiums and switched to NJM between 05/31/21 and 05/31/22. Individual savings may vary.

J.D. Power 2022 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 contained on this page should not be construed as legal, financial or insurance advice. 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.