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How Much Is Auto Insurance in New Jersey?
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.
Bundle Discount
Save more by bundling your policies with NJM. Get a free quote for NJM Auto, Homeowners, Condo, Renters, and Umbrella policies.‡
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, or has at least a B average or 3.0 GPA, you may qualify for a discount.
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.
We work to be the best we can be, so you can focus on the things that matter most.
You’re going to love NJM.
Here’s what our customers say:
Customer testimonials are not in affiliation with J.D. Power 2023 Auto Claims Certification Program.
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 in New Jersey?
Optional Property Damage Coverage
NJM policies with comprehensive and collision coverage also include: Limited Pet Coverage§, New Car Replacement§, and Transportation Expenses.
New Jersey No-Fault Insurance
New Jersey is considered a no-fault insurance state. This means that if you, or an individual covered by your policy, is injured in an auto accident, your policy pays for reasonable and necessary medical expenses (up to your chosen limit), regardless of who caused the accident. Personal Injury Protection (PIP) has two parts:
When you apply for an auto insurance policy, we will ask if you want “Health Insurance Primary.” Read our FAQs about PIP Health Insurance Primary to learn about this option.
Have Questions? We Have Answers!
Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:
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.
You can add some endorsements to your policy yourself when you access your policy online. Learn more or log in.
See all endorsements
* 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.
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.
§ 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 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.