NJM Insurance Review (2026)
- Overall rating: solid (4/5 stars)
- Average cost: $778 for a 6-month policy
- 96.2% of customers recommend NJM
Read more below to get a quote directly from NJM.
NJM Insurance: A solid choice for eligible drivers
NJM stands out for its consistently low premiums and strong performance in both customer service and claims satisfaction. Though the company is only available in select states, the overall experience remains highly rated by both experts at The Zebra and the customers we surveyed.
With a strong lineup of discounts and extra coverage options, NJM earns a solid rating from The Zebra — making it a strong contender for drivers looking for value and reliability.
-
Financial Strength Ratings: Strong ratings indicate NJM can pay claims during major events.
-
Mobile App Functionality and Usability: Manage claims, payments, and documents from your phone.
-
Service Hours and Accessibility: Limited hours can impact your ability to get help during emergencies.
-
Response Times Across Channels: Long wait times delay urgent issues and create frustration.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is NJM car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas NJM is about $778.
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| NJM Insurance | $362 | $778 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how NJM stacks up against competitors →
Discounts offered at NJM: more options than competitors
NJM offers a variety of discounts, including ones based on personal factors — like being a good driver or student — and others tied to your vehicle, such as having airbags, anti-lock brakes, or a security system. Even regular seatbelt use can earn you savings. Keep in mind that discounts vary by state and eligibility. Here are a few ways you might be able to lower your monthly premium with NJM.
If you bundle your auto insurance with another policy, such as renters or homeowners, you can earn a multi-policy discount.
NJM rewards customers who pay their entire premium up-front, versus monthly payments. You may be able to combine this with a paperless discount or electronic payment to save even more.
Although only available to NJ drivers, you can save money for up to three years by taking an approved defensive driving course.
| Defensive Driving (NJ only) | Driver Training Discount (CT, MD, NJ, and PA only) |
| Electronic Payment* | Full Coverage |
| Good Student Discount | Home and Auto Bundle |
| Mature Driver (CT, MD, OH, and PA only) | Multi-Vehicle Discount |
| New Car | Paid in Full* |
| Paperless Discount | Vehicle Safety Equipment Discount |
To learn more about each discount NJM has to offer, see their discounts page.
Compare with other companies
See how NJM stacks up against similar companies
Cost: $778 average cost for a six month policy
Customer satisfaction: High
Our take:
- 100+ years in business
- Offers an array of qualifying discounts
- Robust and wide ranges of coverage options
Cost: $794 for a six month auto policy
Customer satisfaction: High
Our take:
- Similar prices to NJM
- Similar customer satisfaction scores to NJM
- Better digital experience scores than NJM
Cost: $1,086 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Higher prices to NJM
- Lower claims experience scores than NJM
- Better digital experience scores than NJM
NJM's customer service & claims experience: An overall exceptional experience
NJM's customer service receives above average to exceptional scores across the boards in concerns to its customer service and claims experiences. The agents are available on a slew of company platforms and with their knowledge will easily handle all questions and concerns. Their claims department is similarily just as helpful. They will keep you updated as far as whats going on during the process and show a fairness if there is any dispute that needs to be resolved.
I've always been happy with NJM.
"I've had a few auto claims over the years and they were always easy to work with. Just a few weeks ago added then deleted a car and did part of it online, but also needed a rep a couple of times and always easy to get through." - Reddit
Everyone who I talked with was kind
"Everyone who I talked with was kind, helpful, and sympathetic with my dilemma. This was my first time dealing with a claim, and I was not sure how to handle it. I couldn't be happier with NJM." -Trustpilot
The professionalism
"The knowledge of the agents, the kindness and understanding. no judgement at all.
How they go above and beyond to make sure you understand and are comfortable." - Trustpilot
NJM Customer Survey results
96.2% of customers recommend NJM
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how NJM was rated in individual categories by expanding the section below.
Source: The Zebra
How much will your rates climb after filing a claim with NJM?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $886 |
| At-fault accident - $1000-$2000 | $963 |
| One comp claim | $963 |
| At-fault accident - greater than $2000 | $963 |
| Two comp claims | $1,249 |
Source: The Zebra
NJM's claims process is accessible online and via their mobile app, making it convenient for policyholders. They will keep you updated with the process so you never feel in the dark about the status of your claim. The company is fair with its evalution and if a dispute arises, will work with you to your satisfaction.
Coverage options: Limited, but essentials are available
One key factor in the carrier review process is looking at the types of insurance coverage a company offers. NJM offers the basic coverage options you'd expect from a well-rounded insurance company, including liability, collision, comprehensive, and uninsured/underinsured motorist coverages.
Here are some of the extras and add-ons you can take advantage of when insuring your vehicle with NJM.
Carrier pulse: Recent news from NJM
- NJM Recognized for ‘Outstanding Claims Experience’ 8 Years in a Row[3]
Final thoughts: Is NJM Right for You?
For those in the Northeast looking for a well-established company with affordable insurance products, NJM is a great contender. Although only available in five states for personal insurance offerings, the benefits tend to outweigh the limitations for drivers in these locations. NJM offers traditional discounts, bundling opportunities, and products to fit the needs of the average driver and consumer — all with a competitive price tag. NJM's years of experience in the industry is also reassuring, especially for those who want more confidence in switching to a new insurance carrier.
Frequently Asked Questions about NJM
Get quotes from NJM and other top companies
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Survey. The Zebra
-
NJ Business Magazine. NJ Business Magazine
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 editorial 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.