Pennsylvania Auto Insurance

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 that 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.

Who Needs Auto Insurance?

If you own a car in Pennsylvania, you need auto insurance. Aside from being legally required, 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 car you have or what coverage you're looking for. Our team of representatives will walk through every detail to ensure that you can drive with confidence.

How Much is Auto Insurance in Pennsylvania?

Car insurance costs vary from person to person based on a number of factors. Typically, costs are calculated by using personal information such as driving history, as well as information about the insured 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 all of your coverage needs.

NJM also offers a number of discounts for auto policies:
  • Auto + Home bundle discount: If you already have an NJM homeowners 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 discount: 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 and has at least a B average or 3.0 GPA, you may qualify for a discount.

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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.

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Pennsylvania No-Fault Auto Insurance Coverages

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.

Pennsylvania First Party Medical Benefits

First Party Benefits can provide medical coverage for the injuries suffered in an auto accident by you or anyone covered by your policy.

Optional First Party Benefits

Optional benefits include coverage for:

  • Lost wages
  • Funeral expenses
  • Accidental death


This coverage 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.


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

Other Than Collision (Comprehensive)

This coverage pays, above your chosen deductible, for damage to your vehicle that is not a result of a collision. Covered losses can include theft of your vehicle, vandalism, flooding, fire, or a broken windshield. This coverage also applies if you collide with an animal.

Why NJM?

For nearly 100 years, NJM has served drivers with every type of car. 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.

*For PA policies, percentage savings based on average annual savings of customers with policies in force on 12/31/18 who reported their prior auto insurance premiums and switched to NJM.

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