NJM Car Insurance Review & Ratings (2022)

NJM Insurance provides car insurance to customers in the Mid-Atlantic states. NJM car insurance rates are lower than those of many top companies and come with various discounts. Additionally, the company offers common coverages and specialty coverages to customers. Learning more about NJM Insurance will help you determine if it’s the right fit for your auto insurance.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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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+

The Rundown

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

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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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.

for NJM Insurance Group

4.68 (371 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 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.
November 21, 2019


Excellent Insurance

Excellent Company, great customer service, great policies for any insurance holders. Been with them for almost 15 years and wouldn't change unless I moved out of state.
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