NJM Car Insurance Review & Ratings (2024)

Unveiling NJM car insurance: ratings, coverage, and pricing. Discover the ins and outs of NJM car insurance with our in-depth review. We'll explore customer ratings, available coverage options, and competitive pricing. Find out if NJM is the right fit for your auto insurance needs and get peace of mind on the road.

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Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Jeffrey Manola

Licensed Life Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Life Insurance Agent

UPDATED: Nov 28, 2023

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Company Details
Address: 301 Sullivan Way
City: West Trenton
State: New Jersey
ZIP Code: 08628
Phone Number: 1-800-232-6600
Year Founded: 1913
AM Best Rating: A+

Welcome to our comprehensive guide on NJM Car Insurance. In this article, we delve into the key aspects of NJM Car Insurance, including coverage options, pricing, customer ratings, and more. Whether you’re a new driver looking for reliable auto insurance or considering a switch from your current provider, this guide will provide you with the information you need to make an informed decision.

  • NJM Insurance provides affordable rates
  • NJM Insurance has been rated an A+ by A.M. Best
  • NJM Insurance provides specialty coverage and roadside assistance

To ensure you get the best rates and coverage, we encourage you to enter your zip code and compare quotes from the top insurance providers in your area. Don’t miss out on the opportunity to protect your vehicle and save money.

NJM Insurance provides car insurance to customers in the Mid-Atlantic region. The company has competitive rates and the most common auto coverages. Additionally, the company offers specialty insurance and has high customer satisfaction reviews.

Learning more about NJM Insurance will help you decide if the company is best for your auto insurance needs.

Before starting this NJM Insurance review, enter your ZIP code to get free auto insurance quotes in your area.

Are NJM Insurance rates competitive?

For many customers, the cost of coverage is an essential factor when choosing an auto insurance company. Comparing NJM car insurance rates with those of the best insurance companies will ensure that you’re getting the best price for your coverage.

The following chart shows the average monthly rates for a full-coverage policy from NJM Insurance and the most popular auto insurance companies.

NJM Insurance and Popular Auto Insurance Companies’ Average Monthly Rates

Insurance CompanyAverage Monthly Full Coverage Rates
State Farm$108

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As you can see, affordable NJM car insurance is available. The company’s prices are higher than Geico, Progressive, and State Farm but lower than Allstate and Amica.

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What coverages are available from NJM Insurance?

Drivers in most states are required to carry a certain amount of insurance. This requirement usually includes liability coverage. However, you might want additional coverage to protect you from any situation that might arise.

Full coverage insurance isn’t a specific policy type, but a combination of different coverages, including:

  • Liability
  • Collision
  • Comprehensive

Auto insurance companies price coverages individually, allowing drivers to choose the amount of coverage they prefer. The following types of coverage are available from NJM Insurance.

  • Collision: Covers damage to your car after an accident
  • Comprehensive: Covers damage to your car when you’re not driving
  • Uninsured/underinsured motorist: Covers the costs if you’re in an accident caused by a driver with little or no car insurance
  • Bodily liability: Pays for medical bills if someone else suffers an injury in an accident caused by you
  • Property damage liability: Covers the cost of any property damage you’ve caused in an accident
  • Medical payments: Covers medical costs caused by an accident regardless of who is at fault

In addition to these common coverages, NJM Insurance provides specialty coverage for customers. The specialty coverages provided by NJM Insurance include:

  • Classic and collector car insurance
  • Motorcycle and ATV insurance
  • Boat and personal watercraft insurance

Most NJM car insurance policies are for personal vehicles. However, you can also find NJM Insurance commercial plans and bundle them with your personal auto coverage for convenience.

NJM Insurance allows customers to add roadside assistance to any policy. No deductible applies to the coverage, and the service is available 24 hours a day, seven days a week. Adding this service to a policy allows customers to receive:

  • Emergency towing
  • Lockout service
  • Jump-starts
  • Flat-tire changes
  • Delivery of gasoline or other fluids (up to two gallons)

There are two options available, priced at $75 and $125 per emergency. Drivers in need of assistance can call 800-232-6600. Adding this service to a policy will increase your NJM car insurance quotes.

How can you save with NJM Insurance?

The best way to save on NJM car insurance is to search for quotes and bundle policies. In addition to auto insurance, NJM Insurance provides homeowners insurance, renters insurance, and other coverages.

Bundling a vehicle insurance policy with property or other insurance plans will result in savings. The following table shows some of the bundling options from NJM Insurance.

Bundling Options from NJM Insurance

Vehicle InsuranceProperty InsuranceOther Insurance
Classic carHomeownersPersonal umbrella
MotorcycleCondoWorker’s compensation
ATVRentersCommercial auto
Boat or personal watercraftFloodBusinessowners

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Another way to save on auto insurance is to combine discounts offered by companies. The following table shows the different deals offered by NJM Insurance.

NJM Insurance Auto Discounts

Car DiscountDiscount Eligibility
Anti-lock brakesCars with factory-installed anti-lock brakes.
Anti-theftCars include anti-theft devices, like alarms, tracking systems, and kill switches.
Automatic payment planMonthly bill is recurrently charged to your credit card or debited from your checking account.
Defensive drivingCompleted approved defensive driving course.
Electronic documentsAccessing your documents electronically instead of having them mailed.
Multi-car policyInsure more than one car on a single auto insurance policy.
Multi-policyBundling different types of insurance.
Paid in fullPolicy is paid in one payment.
Student away at schoolCollege-aged children that attend college over 100 miles away and leave their car at home.

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The discounts offered by the company might differ by state. For example, defensive driving discounts are only available in New Jersey. Asking about specific discounts in your area will allow the company to help you find the most savings.

How is NJM Insurance rated?

Credit rating agencies review and rate auto insurance companies based on financial strength. These ratings determine the company’s likelihood to provide a payout when you file a claim.

NJM Insurance has been rated an A+ by A.M. Best, the most trusted credit rating agency. This rating is the highest rating from the agency and indicates that customers will always receive a payout when filing a claim.

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Does NJM Insurance have any complaints?

Looking at reviews from current and former customers is a good way of understanding a company’s treatment of customers. The NJM car insurance company complaints show the quality of service the company provides.

According to the National Association of Insurance Commissioners (NAIC), NJM Insurance has received far fewer complaints about its claims settlements and services than expected. This is a good sign for those looking to purchase a policy with the company.

Additionally, J.D. Power says that NJM Insurance customers can expect an outstanding claims experience. The organization has rated NJM Insurance as best in the Mid-Atlantic region for customer satisfaction.

Does NJM Insurance have a website?

The company has a website that provides information and access to NJM Insurance payment and claims services. Customers who buy NJM car insurance are supplied with an NJM Insurance login, which allows access to the login portal.

However, the company doesn’t provide quotes online. It directs customers looking for a quote to an agent. The website does have an agent directory for finding someone close to you.

What are the pros and cons of NJM Insurance?

Overall, NJM Insurance is a good company. However, every company has negative aspects that might cause customers to look elsewhere. Knowing these pros and cons will help you determine if the company is right for you.

Some of the positives of NJM Insurance are that it has high customer satisfaction, few complaints, and possible dividend payments for New Jersey policyholders. These show that customers are likely to have a good experience with the company.

Unfortunately, the company isn’t available throughout the nation. The Mid-Atlantic-focused company is only available in five states:

  • Connecticut
  • Maryland
  • New Jersey
  • Ohio
  • Pennsylvania

Additionally, the company doesn’t have a mobile app to manage policies. The website allows customers to make payments and policy changes, but the lack of a mobile app might be less convenient for some customers.

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Streamlining With NJM Car Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

NJM Insurance offers a variety of convenient options for filing claims, including online submissions, phone assistance, and mobile apps. Policyholders can choose the method that suits them best, ensuring a hassle-free experience when reporting a claim.

Average Claim Processing Time

NJM Insurance is known for its efficient claims processing system. While specific processing times may vary based on the complexity of the claim, customers generally experience swift resolutions. The company’s streamlined procedures contribute to prompt claim handling, providing peace of mind to policyholders.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction is a top priority for NJM Insurance. According to feedback from policyholders, NJM consistently delivers on its promises. Customers express contentment with the company’s claim resolutions and payouts, highlighting NJM’s reliability and dedication to providing excellent service.

Unleashing Innovation With NJM Car Insurance Digital and Technological Features

Mobile App Features and Functionality

NJM Insurance offers a user-friendly mobile app equipped with essential features for policy management. Customers can access their accounts, view policy details, make payments, and even report claims directly through the app. The intuitive interface ensures a seamless experience, allowing users to handle their insurance needs on the go.

Online Account Management Capabilities

NJM’s online platform provides robust account management capabilities. Policyholders can log in to their accounts, update personal information, review coverage options, and track claims. The platform’s accessibility and ease of use empower customers to stay informed and in control of their insurance policies.

Digital Tools and Resources

NJM Insurance provides a range of digital tools and resources to assist customers. From informative articles to interactive tools, the company’s online resources help policyholders understand insurance concepts, make informed decisions, and navigate various aspects of their coverage. These digital resources serve as valuable aids in enhancing customers’ insurance knowledge and confidence.

NJM Insurance: The Bottom Line

Most NJM car insurance customers are satisfied with their coverage and service. However, while the company has affordable rates and several policy options, it’s only available in five states. Learning more about NJM Insurance will help you determine if it’s the right fit for you.

Now that you know about NJM Insurance, enter your ZIP code to find free auto insurance rates in your area.

Frequently Asked Questions

What is NJM Car Insurance?

NJM Car Insurance is a type of insurance policy that is offered by the New Jersey Manufacturers Insurance Company (NJM), which is one of the largest and most respected insurance companies in New Jersey.

What types of coverage does NJM Car Insurance offer?

NJM Car Insurance offers a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, and roadside assistance.

How does NJM Car Insurance compare to other insurance companies in terms of rates?

NJM Car Insurance is generally considered to be one of the more affordable insurance options in New Jersey, and it often has lower rates than many of its competitors.

What are some of the benefits of choosing NJM Car Insurance?


Some of the benefits of choosing NJM Car Insurance include its excellent customer service, its competitive rates, its extensive coverage options, and its reputation for financial stability and reliability.

What are some of the drawbacks of choosing NJM Car Insurance?

Some potential drawbacks of choosing NJM Car Insurance include its availability (it is only available to certain groups of people, such as current or former employees of certain organizations), and its limited geographic coverage (it is only available in a few states, including New Jersey, Pennsylvania, and Connecticut).

How can I get a quote for NJM Car Insurance?

You can get a quote for NJM Car Insurance by visiting the NJM website, calling the company’s customer service hotline, or contacting a local NJM agent.

How does NJM Car Insurance handle claims?

NJM Car Insurance is known for its efficient and responsive claims handling process. Customers can file claims online, by phone, or through their local NJM agent, and NJM’s claims team will work quickly to process the claim and provide a resolution.

for njm insurance group

4.67 (372 reviews)
November 19, 2020


NJM is a great company

We love NJM. Their customer service is great. We've never had a problem reporting a claim or getting help when we need it. And we also love getting a rebate every year.
June 10, 2020


NJM Review

NJM is fantastic. I have had to use their services once or twice. The most important factor to me was hasslefree claims, and also the fact that they provide dividends annually is great!
May 6, 2020


The worst insurance company ever. Seriously! Be very careful

As I was told, you never pay DV claims. Your methods of resolution are questionable & ur lack of interest to resolve claims are very evident. Wonder how many victims weren’t compensated for accidents at your client's faults. I hope someday @USSupremeCourt investigates your methods. You guys are worst than a virus, you're a disgrace for people victims where their life cross with this insurance. If I need to shop for an insurance company I will ...
As I was told, you never pay DV claims. Your methods of resolution are questionable & ur lack of interest to resolve claims are very evident. Wonder how many victims weren’t compensated for accidents at your client's faults. I hope someday @USSupremeCourt investigates your methods. You guys are worst than a virus, you're a disgrace for people victims where their life cross with this insurance. If I need to shop for an insurance company I will never ever pick NJM Insurance Group, not because they didn't accept my DV claim but because the [REDACTED WORD] way and the questionable methods they use to process DV claim not to be approved later. I hope this insurance gets audited and punished sooner than later.
May 4, 2020


Trusted Insurance Company

NJM Group has always been a great insurance company in my opinion. For example, they pay send you a check at the end of the year depending on your driving record. They also sent me 15% of what I pay for 3 months as a refund because of the pandemic. They area are that money are not driving. They also give discounts if you are a student with a great academic GPA and offer discounts if you complete a driving course.
April 29, 2020


NJM Excellent customer service

Excellent customer service their employees were always very helpful and ready to explain different coverage options.
March 7, 2020



Great insurance company all together. The rates are excellent, and very forgiving for accidents will use for as long as i have a car
February 23, 2020


Great Rates!

Great rates on auto and homeowners insurance. When i was in an accident they worked fast to settle it.
February 3, 2020


NJM is a superior insurance company

NJM is a great insurer. Customer service is top notch. Claims reps and service is second to none. Rates are the best around!
January 20, 2020


Great Company

Reasonable price, great customer service, fast claim processing. Customer service agents are friendly and helpful.
January 14, 2020


Customer for over 10 years

I think NJM is great. They're fair with pricing compared to other insurance companies. I would recommend them to anyone in NJ.
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