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Save Even More with NJM Discounts
Auto and Home Bundle
Bundle your NJM Auto Insurance with your NJM Homeowners, Condo, or Renters policy and save.‡
Multi-Car Discount
If two or more vehicles are insured under the same policy, a multi-car discount is applied to each one.
Good Student Discount
If you're a high school or college student who's made the honor roll or Dean's List, or has at least a 3.0 GPA or B average, you may qualify for a discount.
You’re going to love NJM.
Here’s what our customers say:
Dividends
New Jersey policyholders are eligible to receive dividends,∥ which reduce the overall cost of auto and home insurance.
Dividends amount to a percentage of the premium you paid on your prior year’s policy. New Jersey policyholders with NJM Auto, Homeowners, Condo, or Renters Insurance receive a dividend that is applied as a credit to the policy premium when the policy renews the following year.
New Jersey policyholders with NJM Auto Insurance may also receive a second dividend, known as a “special dividend,” which comes in the form of a check.
NJM Insurance has been certified by J.D. Power for providing personal lines customers with an exceptional Auto Claims Experience, 6 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.
Have Confidence in Your Coverage
Service
Be confident in your coverage with hassle-free claim reporting.
Reputation
We've been exceeding our customers' expectations for over 100 years.
* Figure reflects average annual personal auto insurance premium savings on a countrywide basis for applicants who reported their prior premiums and switched to NJM between 7/1/22 and 6/30/23. Individual savings may vary.
‡ The discount does not apply on New Jersey Re-Insurance Company auto policies.
║ With respect to dividend advertisements, NJM shares positive financial results with its policyholders in the form of dividends. For this reason, the payment of a dividend is not guaranteed. Dividends are not paid on all policy forms or in every state in which NJM operates.
† Percentage applies to average auto policy retention on a countrywide basis for policyholders who maintained both an NJM Auto and NJM HO policy (HO-3/HO-4/HO-5/HO-6) between 6/30/22 and 6/30/23.
Rated A+ (Superior) as of March 24, 2022. For the latest Best's Credit Rating, access www.ambest.com.
* As of September 2023, NJM Insurance Group had 11,450 reviews and a TrustScore of 4.7/5.
J.D. Power 2023 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/awards.
All applications for insurance are subject to underwriting guidelines and approval. Coverage and discounts are subject to policy terms, exclusions and effective dates; limits and deductibles apply. Coverage is not available in all states. Insurance underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.