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NJM Insurance Review

NJM Insurance Review
Pros Cons
  • #1 in J.D. Power’s Claims Satisfaction Study (Mid-Atlantic region)
  • 12-month policies available for auto customers
  • Low availability in US
  • No mobile app

NJM insurance review and summary

NJM, first established in 1913 and sometimes called New Jersey Manufacturers, primarily focused on workers’ compensation coverage at its inception. Over the past 100-plus years, the company has expanded to include various insurance lines and offering coverage to customers with a variety of insurance needs.

NJM prides itself on offering no-frills insurance, without submitting to marketing gimmicks or mascots. Although NJM only operates in five states, policyholders rate the company's customer service very highly, and customers who prefer straightforward service are pleased with NJM.

NJM car insurance review

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4.5 Rating from The Zebra Question mark icon

Although the company only writes policies in five states, NJM's insurance capabilities match those of some national providers. Customers can sign up for a 12-month policy term, rather than the standard six months, locking in a rate for a full year before renewal.

NJM offers a standard suite of auto insurance coverage options along with an impressive list of endorsements and discounts. NJM is a great insurance option for those residing in a covered state.

  • Claims satisfaction (J.D. Power) — Excellent: NJM received top marks from J.D. Power for overall claims satisfaction.
  • Customer satisfaction (J.D. Power) — Excellent: In 2021, NJM topped the J.D. Power list for customer satisfaction among Auto Insurers in the Mid-Atlantic Region.
  • Financial Strength — Superior: AM Best gave NJM an A+ for financial strength, indicating a strong ability to pay out claims. 
  • NAIC Rating – Excellent: NJM received significantly fewer customer complaints than the national average, according to the National Association of Insurance Commissioners. 
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NJM insurance geographic availability

Insurance company Available states

NJM car insurance coverage options 

A car insurance policy from NJM includes comprehensive, collision, liability, medical payments, and uninsured/underinsured motorist.

Customers may also include one or more additional coverage options via insurance policy endorsement:

Gap Insurance

This endorsement pays for the difference between the balance on a loan or leased vehicle and what insurance pays if the vehicle suffers a total loss. 

rideshare expense
Transportation expense

This add-on provides a rental, rideshare or taxi reimbursement if your vehicle is involved in a covered loss and carries physical damage.

Roadside assistance

Choose one of two limits for roadside assistance: $75 or $125 per emergency, with no deductible.

Trailer/camper body coverage

Liability coverage is automatically provided for bodily injury or property damage caused while a trailer or camper is towed by an insured vehicle.

Uber drivers license
TNC Rideshare endorsement

This endorsement fills gaps in insurance between personal insurance and rideshare program insurance (Uber, Lyft, Uber Eats, etc).

NJM car insurance discounts

NJM offers an extensive list of discount opportunities for auto policyholders. 


Discounts based on the driver or vehicle:Green_OutlinedFreeform_Icons_trp_2x.png

  • Defensive driving (NJ only)
  • Driver training (CT, MD, NJ, PA)
  • Good student 
  • Mature driver 
  • Multi-vehicle
  • Vehicle safety equipment
  • New car

Discounts based on the policy:

Protect your car with the right coverage at the best value.

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NJM insurance cost comparison

We compared average rates from NJM insurance for common ages and driver situations, assessing how the insurance company stacked up with competitors.

Cost of NJM vs Competitors
Insurance company Average monthly cost
NJM $113
Amica $127
State Farm $108
Allstate $170
Progressive $104
National Average $124
Average cost of NJM by Age Group
Insurance company Teens 20s 30s 40s 50s 60s
NJM $236 $140 $109 $101 $94 $90
GEICO $272 $118 $93 $91 $86 $88
Amica $666 $179 $126 $120 $112 $136
State Farm $310 $151 $106 $104 $98 $96
National Average $381 $157 $121 $116 $108 $110

NJM online capabilities

Many policy management tools are accessible through NJM’s online platform. Customers can make payments, report and view claims, view and print ID cards, view policy details and upload documents.

NJM also offers customer service by phone for those who prefer to speak to a customer service representative.

NJM Telematics Program


This smartphone telematics app, like many others, measures your driving habits and provides feedback on how to be a safer driver.

SafeDrive collects data on driving behaviors like acceleration, braking, cornering, speed and distracted driving. Participating in this program may earn participating drivers discounted insurance premiums.

NJM insurance bundling options

Vehicle Property Other
Classic Car insurance Homeowners insurance Umbrella insurance
Motorcycle Condo insurance Workers compensation
ATV insurance Renters insurance Commercial Auto insurance
Boat insurance Flood insurance Commercial general liability
Personal watercraft Business insurance
Commercial umbrella

NJM home insurance review

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4.5 Rating from The Zebra Question mark icon

Homeowners insurance from NJM includes the standard list of coverage options, but what separates NJM home insurance from competitors is its long list of add-on options and discount opportunities.

The company does not offer a mobile app for managing home policies, but what NJM lacks in technology they make up for in exceptional customer service, as evidenced by their excellent NAIC score and AM Best rating. 

Homeowners with varying insurance needs can rest assured they will be well-protected by NJM.

  • Customer service (J.D. Power) — Not Rated
  • Claims satisfaction (J.D. Power) — Not Rated
  • Financial Strength — Superior: AM Best gave NJM an A+ for financial strength, indicating a strong ability to pay out claims. 
  • NAIC Rating – Excellent: NJM received significantly fewer customer complaints than the national average according to the National Association of Insurance Commissioners. 
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NJM home insurance availability

Insurance company Available states
New Jersey Manufacturer Insurance CT, MD, NJ, OH, PA

Find the right policy in only a few minutes.

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NJM home insurance coverage options

All the regular coverages like dwelling, other structures, personal liability, medical payments, personal property and temporary living expenses are covered under an NJM home insurance policy.

In addition, customers can opt into one or more of the following endorsements to further enhance their coverage.

  • Scheduled personal property
  • Credit card, fund transfer card, forgery and counterfeit money coverage
  • Personal property increased special limits of liability
  • Identity fraud expense coverage
  • Other members of your household
  • Limited fungi, wet or dry rot, or bacteria
  • Supplemental loss assessment coverage
  • Water backup and sump discharge
  • Earthquake (MD, NJ, OH, PA)
  • Assisted living care coverage 
  • Increased insurance amounts for personal property located in a self-storage facility
  • Other structures on the premises
home insurance discounts

NJM home insurance discounts

  • Multi-policy — available when you bundle auto and home policies
  • Much safer home — if you have a smoke alarm or sprinkler system, you qualify for this discount
  • Age 65 and over
  • Backup generator discount
  • Nonsmoker discount
  • Storm shutters and hurricane glass — available in CT, MD, NJ
  • Paid in full discount— paying the full premium upfront earns customers this discount
  • Electronic autopay
  • Paperless — available in CT, MD, OH, PA


How to cancel an NJM insurance policy

NJM requires customers to call its customer service department to cancel a policy. Policies cannot be canceled online. NJM's website also mentions customers should have their replacement policy information on hand when calling to cancel.

NJM insurance review summary

For customers living in one of the states in which NJM does business, the company is a great choice.

NJM’s exceptional customer service reputation is a distinct perk offered by the company. NJM is a great option for applicants with complex insurance needs, those looking for an insurance bundle, and customers looking for a longer policy term. NJM’s only downsides include its relatively small geographic footprint and its lack of a mobile app, although the company does offer a mobile-friendly site. 

Make an informed decision: compare insurance rates today.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.