Auto Insurance

Get your free personalized online quote and join the NJM family today!

No Jingles or Mascots. Just Great Insurance.

The Markets We Serve

NJM is among the Mid-Atlantic region’s leading property and casualty insurers. The Company is consistently recognized for its award-winning customer service, superior claims handling, and overall customer satisfaction.

NJM Auto Insurance is available to residents of Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. We understand that insurance needs are diverse, and we’ll help you select the coverage that’s right for you.

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Save with Discounts

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

Homeowners Bundle
Bundle Discount

Save more by bundling your policies with NJM. Get a free quote for NJM Auto, Homeowners, Condo, Renters, or Umbrella policies.‡

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 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, or has at least a B average or 3.0 GPA, you may qualify for a discount.

See all discounts

You’re going to love NJM.

Here’s what our customers say:

Trustpilot

Customer testimonials are not in affiliation with J.D. Power 2023 Auto Claims Certification Program.

J.D. Power 2023 Auto Claims Certification
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.

What Can Auto Insurance Cover?

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.

Medical Expenses

Depending on your state, can provide coverage for the medical expenses you or anyone covered by your policy incur as a result of an auto accident.

Underinsured and Uninsured Motorist

Pays to compensate you if you are injured in an accident caused by a motorist with too little or no insurance coverage. In some states, your Right to Sue choice may affect whether you can recover for some bodily injuries. In some states, this coverage also may pay for your property damage caused by a motorist with too little insurance.

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.

Have Questions? We Have Answers!

Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:

How Do You Get Car Insurance for the First Time?
After researching which insurers will provide you with a superior customer and claims experience, you'll need driver and vehicle information handy. Learn More
Can You Switch Insurance Companies During a Claim?
Yes, but you will still need to work with your previous insurer to settle the claim. Learn more
What Is a Deductible?
A deductible is the amount you pay out of pocket for an insurance claim. Learn More
What Is an Insurance Premium?
An insurance premium is the amount you pay for your insurance policy. Learn More
What Is a Declarations Page?
Your declarations page includes details about your insurance policy, including your name and address, the policy endorsements, and limits for each coverage. Learn More
What Are Split Limit and Combined Single Limit Policies?
The type of limit you have determines how much your insurance company will cover if you're responsible for bodily injury or property damage. Learn More
How Much Auto Liability Insurance Do You Need?
Many states require a minimum limit of liability insurance, but it may not be enough to cover your full responsibility if you cause an accident. Learn More
What Is Uninsured and Underinsured Motorists Coverage?
Uninsured motorists (UM) coverage reimburses victims for certain damages resulting from a car accident caused by an uninsured driver. Underinsured motorists (UIM) coverage helps pay the gap between an at-fault driver's liability insurance coverage and your damages, up to your chosen limit. Learn More

Why NJM?

For more than 100 years, NJM has helped its customers focus on the moments that matter most. As an insurer with a reputation for outstanding customer and claims satisfaction, NJM works hard to ensure that you’re well cared for when life takes an unexpected detour. Join the NJM family today.

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

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.

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.

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