Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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New Jersey Manufacturers (NJM) Insurance Group is a regional property and casualty insurer that offers several lines of insurance to customers, including auto, homeowners, and renters insurance.
The average cost of car insurance from NJM is $36 per month for liability insurance and $57 for full coverage. NJM also has more than a dozen available car insurance discounts you can benefit from.
Before you decide if NJM is the right insurer for your coverage needs, you should compare quotes from multiple auto insurers. Here’s what you need to know about NJM, including coverage options and customer satisfaction.
Quick Facts
NJM sells auto coverage in New Jersey, Pennsylvania, Ohio, Maryland, and Connecticut.
The company earned an AM Best financial strength rating of A+ (Excellent).
NJM ranked above average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.[1]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$36/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$57/mo
NJM launched in 1913 to provide workers' compensation to New Jersey businesses. In 1921, the company added auto and homeowners insurance. Today, NJM also sells renters, condo, umbrella, watercraft, motorcycle, and ATV insurance in Connecticut, Maryland, Ohio, and Pennsylvania, as well as in New Jersey. A.M. Best gives the company an A+ rating, and NJM has a much lower than expected number of consumer complaints with the National Association of Insurance Commissioners' Consumer Complaints Index.
Pros
High scores from J.D. Power for customer satisfaction
Though NJM only offers coverage in a handful of states, eligible customers can enjoy many of the same benefits as policyholders at national auto insurance companies.
NJM has average car insurance rates below the national average and offers a lot of the same car insurance discounts as other companies. The company consistently receives high marks for its customer service from outlets like J.D. Power.
See how NJM compares to other large regional auto insurance companies in categories like customer service and coverage availability below.
Factor
How NJM Compares
Rates
Cheaper than competitors
Customer service
Better than competitors
Discounts
More than competitors
Availability
Less than competitors
Financial strength
Better than competitors
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NJM’s liability rates start at $36 per month
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What is NJM’s SafeDrive program?
Like many other car insurance companies, NJM offers a telematics driving program that monitors driving habits and can help you save on your car insurance premium.
NJM SafeDrive is a smartphone app that offers drivers feedback on acceleration, speed, braking, distracted driving, and more in an effort to encourage safer driving. If you enroll in NJM SafeDrive, you automatically receive a participation discount on your car insurance premium.[2]
You can enroll in NJM SafeDrive when you buy a car insurance policy from the company. The app uses sensors in your phone to measure your acceleration, braking, cornering, speed, and phone usage while driving. The app will calculate a driving score for each trip you take.
Average cost of NJM auto insurance
NJM has affordable average coverage, with an average monthly rate of $36 per month for liability-only insurance and $57 for full-coverage insurance.
The car insurance company’s rates fall well below the national monthly averages of $104 per month for liability insurance and $213 for full-coverage insurance.
NJM insurance reviews and ratings
You have a lot of choices when it comes to deciding on a car insurance company. Reading reviews from other customers and considering industry rankings can be great tools in helping you make your own selection. NJM has a customer review average of 4.7 out of 5 on Trustpilot, which indicates high customer satisfaction.
Consider the following information about customer reviews and industry rankings for NJM below.
NJM customer reviews
NJM has incredibly positive reviews on Trustpilot. Customers cite transparent and attentive customer service from NJM.
Negative reviews mostly cite frustrations about rates increasing and issues with repair shops.
NJM ratings
Ratings from industry and credit-rating organizations provide insights into an auto insurer’s reliability and quality. It’s always a good idea to check out car insurance companies’ standings with organizations like J.D. Power, AM Best, and the National Auto Insurance Commissioners (NAIC) when shopping around for a new car insurance policy.
NJM earned an above-average overall customer satisfaction ranking in the J.D. Power 2023 U.S. Auto Insurance Study.[3] It also received a high financial strength rating from AM Best and a below-average number of complaints filed with the NAIC.
You can view the specifics below.
AM Best: A+ (Superior)
J.D. Power: 834 out of 1,000
NAIC Complaint Index: 0.19
NJM car insurance coverage options
The company has standard coverage options, including liability-only coverage that meets state minimum requirements and optional add-ons like comprehensive insurance and collision coverage.
If you’re an NJM policyholder, you can add the following coverages for additional vehicle protection:
Medical payments coverage
Medical payments coverage pays for medical expenses related to an injury you or your passengers incur during a car accident.
Uninsured/underinsured motorist coverage
UM/UIM coverage provides compensation if a driver with little to no car insurance coverage injures you in a car accident. It could also pay for property damage an underinsured driver causes in some states.
Collision coverage
Collision insurance pays for vehicle damage that occurs if you collide with another vehicle or object.
Comprehensive coverage
Comprehensive insurance helps pay for vehicle damage that didn’t result from hitting another car or object. It can cover vehicle theft, vandalism, or damage from severe weather.
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NJM car insurance cost by state
Where you live will affect how much you pay for car insurance because of factors like minimum insurance requirements, motor vehicle theft rates, accident rates, population density, and more. NJM generally offers cheaper coverage options on average than other large regional insurers.
Here’s how much it costs per month on average to insure a vehicle in the five states NJM Insurance offers coverage in.
State
Average Quote: Full Coverage
Average Quote: Liability Only
Connecticut
$195
$155
Maryland
$169
$141
New Jersey
$124
$92
Ohio
$88
$58
Pennsylvania
$111
$75
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
NJM auto insurance rates by driving history
Car insurance companies take on a risk when they cover you, so your past driving history will factor into your quote. Incidents such as speeding tickets, at-fault accidents, and DUIs can all increase your car insurance premium. A clean driving record can help keep your premium low.
The table below shows how much you’ll pay for NJM coverage, depending on your driving history.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
NJM car insurance cost by age
Your age is another key factor insurers consider when determining car insurance prices.
Teenagers and drivers younger than 25 pay the highest rates for car insurance because they lack experience behind the wheel. Premiums decrease for drivers with age, especially between ages 35 and 70, but rates can go up again for senior drivers older than 70 due to aging-related risk factors.
NJM Insurance offers the cheapest rates for drivers in their 60s and 70s, but drivers of all ages benefit from lower rates. Compare average full-coverage insurance rates by driver age below.
Age Group
Average Monthly Quote
Teens
$73
20s
$80
30s
$51
40s
$44
50s
$34
60s
$29
70s
$26
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Here are some of the auto insurance discounts NJM Insurance offers:
Defensive driving course: You can save money by completing a defensive driving course. Specifics will vary by state.
Payment: You can earn a discount for enrolling in the insurer’s automatic payment plan, paying your policy premium in full, and signing up for paperless delivery of documents.
Full coverage: Drivers with both comprehensive and collision coverage can earn an automatic discount through NJM.
Good student: High school or college students who make the honor roll or dean’s list or have at least a “B” average or 3.0 grade point average qualify for a discount.
Home and auto bundle: You can earn a discount by bundling your auto insurance with homeowners, condo, or renters insurance.
Mature driver (CT, MD, OH, and PA only): Senior drivers who complete a driving course can qualify for a discount. Specifics vary by state.
Multi-vehicle: Insuring more than one car on the same NJM insurance policy will earn you a discount.
New car: You can qualify for a discount if you have a vehicle that’s 2 years old or less.
Vehicle safety equipment: Having an anti-theft, vehicle recovery device, anti-lock brakes, or passive restraints can qualify you for a discount.
NJM vs. other insurance companies
Here’s a comparison between NJM Insurance and two other large regional insurers: Erie Insurance and SafeAuto (now a part of Direct Auto). The table below compares the companies’ average monthly quotes for liability-only and full-coverage insurance, as well as their IQ Scores.
Insurance Company
Liability Only
Full Coverage
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
NJM
$36
$57
4.6
Erie
$57
$95
4.4
SafeAuto
$96
$197
3.5
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
NJM vs. Erie
Like NJM Insurance, Erie Insurance is a regional auto insurance company. It provides coverage in 12 states. Erie also offers home, renters, condo, business, and life insurance.
Both insurers also cover motorcycles, boats, and classic cars. Unlike NJM, Erie offers recreational (RV) insurance.
Availability is the biggest difference between Erie and NJM. Erie sells coverage in more than double the number of states that NJM does.
NJM has lower average monthly costs for liability and full-coverage insurance, but both companies have solid discount offerings. But Erie has a couple of unique offerings NJM doesn’t, including a first-accident forgiveness program and a diminishing deductible, which decreases by $100 for each consecutive claims-free year (up to a maximum of $500).
NJM vs. SafeAuto
SafeAuto now operates under Direct Auto Insurance, which is an Allstate subsidiary. NJM and SafeAuto share some similarities when it comes to vehicle coverage offerings, discounts, and other insurance products. The biggest difference is that SafeAuto offers coverage in more than two dozen states.
Additionally, SafeAuto offers coverage to people regardless of their driving history, which may explain why coverage from SafeAuto can be so expensive. SafeAuto may be a good option if you have a less-than-perfect driving record, but if you live in one of the states NJM operates in, you can likely get similar coverage for a lot less money.
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How to file an auto insurance claim with NJM
You’ll need tofile a claim in the event of an accident, vehicle theft, or vandalism. You can file a claim with NJM 24/7 online or over the phone through the following steps:
Gather important information. You’ll want to have your insurance policy, contact information, and accident details before contacting NJM.
Contact NJM as soon as possible. You can start this process online or over the phone.
NJM will begin its claim process. The insurer will assign a claims adjuster and may require a vehicle inspection. NJM will take a statement regarding what happened and any photos you might have.
NJM will investigate. This will determine liability. Be sure to send NJM a police report and dashboard camera surveillance if you have it.
A claims adjuster will contact you. After the investigation, your assigned claims adjuster will go over your inspection outcome and provide the next steps.
NJM insurance FAQs
The following information should help you determine whether NJM is the right insurer for you.
Is NJM legitimate?
Yes. NJM is a legitimate car insurance company. It earns high customer and claims satisfaction rankings from J.D. Power, has an AM Best financial strength rating of A+ (Superior), and received a below-average number of claims filed with the NAIC.
What is the average cost of NJM car insurance?
The average cost of car insurance from NJM is $36 per month for liability insurance and $57 for full-coverage insurance. Coverage from NJM costs a lot less than the national average rates.
Is NJM good at paying claims?
Yes. NJM ranks highly for customer and claims satisfaction. The company earned the third-highest ranking in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, scoring 900 out of 1,000 points. And NJM has an AM Best financial strength rating of A+ (Superior), which indicates a strong ability to pay out claims.
Does NJM offer new-car replacement insurance?
No. NJM doesn’t have new-car replacement insurance. This coverage type provides policyholders money for a new car of the same make and model, minus the deductible, rather than the depreciated value if the insurer deems the original vehicle a total loss.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
Joe DytonInsurance Writer
Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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