NJ Manufacturers vs State Farm Car Insurance

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Last Updated: January 2022

Ratings

Insurify Composite Score

NJ Manufacturers
88
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

NJ Manufacturers VS State Farm
88
88
What is this?
User Ratings
OptionsNJ Manufacturers State Farm
Rating/Reviews
17 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsNJ Manufacturers State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsNJ Manufacturers State Farm
Claim ServicingBetter than mostAbout average
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionAmong the bestAbout average
Rental ExperienceBetter than mostAbout average
Repair ProcessAmong the bestAbout average
SettlementAmong the bestAbout average
J.D. Power Ratings by Region (out of 1000)
RegionNJ Manufacturers State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic864 pt
Among the best
826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionNJ Manufacturers State Farm
Android
15 Reviews
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsNJ Manufacturers State Farm
A.M. BestA+A++
Moody's--Aa1
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

CityNJ Manufacturers State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityNJ Manufacturers State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityNJ Manufacturers State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityNJ Manufacturers State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityNJ Manufacturers State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityNJ Manufacturers State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityNJ Manufacturers State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityNJ Manufacturers State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityNJ Manufacturers State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityNJ Manufacturers State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityNJ Manufacturers State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityNJ Manufacturers State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityNJ Manufacturers State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeNJ Manufacturers State Farm
Anti-Theft DeviceUp to 25%Up to 15%
Multiple PolicyUp to 5%Up to 17%
Defensive DriverVariesUp to 5%
Good StudentVariesUp to 25%
Multiple VehicleVariesUp to 20%
Senior AdultVariesVaries
teenSMARTVariesUp to 15%
Accident Free--Up to 15%
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Good Driver--Up to 25%
Home Owner--Varies
Low Mileage--Up to 10%
Loyalty--Varies
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Passive Restraint--Up to 40%
Student Away at School--Varies
Travelink--Varies

Payment Methods

Discount typeNJ Manufacturers State Farm
Automatic Online Payment
--yes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesNJ Manufacturers State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesNJ Manufacturers State Farm
Accidental Death, Dismemberment, Disability
yesyes
Antique or Collector Car Insurance
yesyes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Glass Coverage --yes
Mechanical Breakdown Insurance
--yes
No Fault Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
--yes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • NJ Manufacturers
  • State Farm
  • Both

Compare Insurance Products

ProductNJ Manufacturers State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • NJ Manufacturers Reviews
  • State Farm Reviews
3.5
5 Stars
59 %
2 Stars
18 %
1 Star
24 %

Most Positive Review

By David
Excellent service good prices

Most Critical Review

By Paula
really bad company. Try to cancel clseveral times. To go with a different company they gave me a hard time. I had 0 balance when cancel and after 2 months cancellation they sent me a bill for over 2000. I have no points neither is my husband cars are paid off(toyota). Same thing happens with homeowner denied repairs cause by storm in my 8 yr old roof. Decided to go to a different company now they are keeping my $900 score balance. It’s just unbelievable.

All Reviews

Showing 1 - 10 out of 17 Reviews
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Read reviews that mention

Jose Lourenco
Misleading company that will tell you to cutshe your policy to make them more money and then deny you a claim afterwards. My premium hasn't gone down in 5 years and I have never put in a claim before. What has gone down is their dividend check. Used to be 100-200 plus dollars every last. Last check was 29 dollars. Very sad as I will definitely be changing providers.
Chris Antinora
We were members of NJM for over 25 years, having auto and home insurance. We recently switched to another carrier saving over 30% for the same coverages. NJM used to be an exclusive club for Insureds; hence, their outstanding rates and rebates. Their rates have skyrocket since opening their doors to anyone. Such a disappoint...and just another example how liberalism has a negative impact on society
Jessica
Super friendly and helpful. When Sandy hit, they planned ahead and had call center in Ohio. Covered tree damage from Sandy with no issue.
Joseph
Been wiyh NJM for many yrs great company, no hassles, good rates would never leave!
William
William
Carol
Ive been insured with them for 18 yrs with the same vehicle. About 4 yrs ago, my rates jumped dramatically. When I inquired about it, I was told the reasons had nothing to do with my driving record but instead it increased because of a prior credit issue and because I was driving an off-lease vehicle, the same vehicle Id been driving since I was insured with since the date I purchased it. Additionally NJM penalizes drivers by raising premiums for non moving violations that do not incur points with motor vehicles. NJM has a statement on the back of their insurance card that declares all accidents with damages of over $500 must be reported to NJ Division of Motor Vehicles even if there was no police report or violations issued by police. Their adjusters do not even know how to advise their customers as they are unaware of this rule. It actually is a little known law which can cause the driver involved to be fined ($30-$100 plus court costs if applicable) and possibly lose their license if accident is not reported. But this goes on the drivers DMV record when reported and impacts their ability to gain reasonable insurance coverage with any other insurance company leaving the driver stuck with NJM or paying exorbitant rates for damages of $500, certainly in the best interests of NJM. During research so far, there is no other insurance company that prints this on insurance cards or enforces it. Things continued to go downhill. Customer service is poor, NJM does not care about customer retention so any and all complaints are ignored, the representatives do not stand up for their insured. On a homeowners claim on damage to my fence from a neighbors decomposing tree, they were refusing to subrogate for deductible reimbursement. I was forced to hire a tree expert to write a letter which stated that there was negligence on the part of my neighbor before NJM would subrogate. Meantime I learned that they had raised my deductible to $750 without my knowledge and refused to grandfather me back to the lower deductible. I am now involved in an auto claim where the other driver has accepted 100% liability, he also is insured by NJM. His vehicle struck my vehicle from the rear and caused $2500 in damages, NJM wants to total my car and pay out $1200. NJ has a Make Whole Doctrine so that the wronged party does not suffer economic loss, yet I cannot repair or replace my vehicle for the amount of their settlement figure. Their appraiser has also decided that I should be penalized for alleged $780 in unrelated prior damages yet three auto body shops can not locate damages in that amount on my vehicle there are only two minor dings from possible shopping cart damage. So I will have to hire an attorney to sue them to be treated fairly. I had no intention of suing but am forced to in order to just break even. It is a sad state of affairs when your own insurance company cannot do right by its long-standing customers. NJM is all about their bottom line these days, the old NJM insurance company no longer exists to protect their insured and do right by them.
Carol
I’ve been insured with them for 18 yrs with the same vehicle. About 4 yrs ago, my rates jumped dramatically. When I inquired about it, I was told the reasons had nothing to do with my driving record but instead it increased because of a prior credit issue and because I was driving an off-lease vehicle, the same vehicle I’d been driving since I was insured with since the date I purchased it. Additionally NJM penalizes drivers by raising premiums for non moving violations that do not incur points with motor vehicles. NJM has a statement on the back of their insurance card that declares all accidents with damages of over $500 must be reported to NJ Division of Motor Vehicles even if there was no police report or violations issued by police. Their adjusters do not even know how to advise their customers as they are unaware of this rule. It actually is a little known law which can cause the driver involved to be fined ($30-$100 plus court costs if applicable) and possibly lose their license if accident is not reported. But this goes on the drivers DMV record when reported and impacts their ability to gain reasonable insurance coverage with any other insurance company leaving the driver stuck with NJM or paying exorbitant rates for damages of $500, certainly in the best interests of NJM. During research so far, there is no other insurance company that prints this on insurance cards or enforces it. Things continued to go downhill. Customer service is poor, NJM does not care about customer retention so any and all complaints are ignored, the representatives do not stand up for their insured. On a homeowners claim on damage to my fence from a neighbors decomposing tree, they were refusing to subrogate for deductible reimbursement. I was forced to hire a tree expert to write a letter which stated that there was negligence on the part of my neighbor before NJM would subrogate. Meantime I learned that they had raised my deductible to $750 without my knowledge and refused to grandfather me back to the lower deductible. I am now involved in an auto claim where the other driver has accepted 100% liability, he also is insured by NJM. His vehicle struck my vehicle from the rear and caused $2500 in damages, NJM wants to total my car and pay out $1200. NJ has a “Make Whole Doctrine” so that the wronged party does not suffer economic loss, yet I cannot repair or replace my vehicle for the amount of their settlement figure. Their appraiser has also decided that I should be penalized for alleged $780 in unrelated prior damages yet three auto body shops can not locate damages in that amount on my vehicle there are only two minor dings from possible shopping cart damage. So I will have to hire an attorney to sue them to be treated fairly. I had no intention of suing but am forced to in order to just break even. It is a sad state of affairs when your own insurance company cannot do right by its long-standing customers. NJM is all about their bottom line these days, the old NJM insurance company no longer exists to protect their insured and do right by them.
David McNulty
Great service, lnowledgeable reps when calling in. Had Usaa CIC Auto insurance for 25 years. One "not my fault" accident and the incompetence I experienced from multiple reps on multiple calls was unbelievable. Seems like no one on the same page. Took over 6 months to finally resolve because did not want car repaired by a bodyshop, wanted estimated cash value of damages a d would fix myself. (Friends in the business. No one at Usaa seemed to know proper procedure and wasted ALOT of time. I switched to NJM with identical coverage....for $300 less per year! Homeowners insurance was $200 less annually, auto was $100 less. It's been 1 year, so far, so good. Also, NJM does have auto-pay online feature... the chart in the comparison shows it does not.
Paula
really bad company. Try to cancel clseveral times. To go with a different company they gave me a hard time. I had 0 balance when cancel and after 2 months cancellation they sent me a bill for over 2000. I have no points neither is my husband cars are paid off(toyota). Same thing happens with homeowner denied repairs cause by storm in my 8 yr old roof. Decided to go to a different company now they are keeping my $900 score balance. It’s just unbelievable.
Showing 1 - 10 out of 17 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.