GM National Insurance Company is introducing a new private passenger auto program in New Jersey.

The program includes both “standard” and “basic” policy options, supported by a full rating and rule framework. It leans heavily on structured underwriting, with insurance scoring, driver-level evaluation, and application requirements that force full household disclosure.

The launch is targeted for October 15, 2026 for new business.

A key differentiator is how GM is tying insurance into its broader ecosystem. Instead of a traditional multi-policy discount, the company introduces a homeownership discount to compensate for the lack of bundled home products. More notably, it builds in an affinity discount tied to GM relationships, including OnStar subscribers, GM Rewards members, employees, and households with multiple GM vehicles.

The structure is modest on paper—starting at 2% and increasing incrementally—but the intent is clear. GM expects roughly half of policyholders to qualify, using these connections to improve retention and lifetime value rather than drive upfront price competition. Internal data shows that OnStar users and multi-GM households stick longer, and GM Rewards members tend to spend more and remain within the brand ecosystem.

There are also early signs of a longer-term EV strategy. GM includes coverage for home EV chargers if they are damaged or need replacement. This filing shows how the company priced that coverage in New Jersey. About 70% of customers use a standard charger costing around $450. The remaining 30% use higher-end chargers, such as fast or bidirectional units, averaging about $990. The policy includes a $50 deductible, and GM expects roughly 1% of customers to file a claim in any given six-month period.

Bottom Line: GM Insurance is currently available in 20 states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Louisiana, Minnesota, Missouri, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, Virginia, Wisconsin, and Michigan.