NJ Manufacturers vs USAA Car Insurance

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Ratings

Insurify Composite Score

NJ Manufacturers
88
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Insurify Composite Score

USAA
96
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Insurify Composite Score

NJ Manufacturers VS USAA
88
96
What is this?
User Ratings
OptionsNJ Manufacturers USAA
Rating/Reviews
17 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsNJ Manufacturers USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsNJ Manufacturers USAA
Claim ServicingBetter than mostBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAmong the best
Overall SatisfactionAmong the bestAmong the best
Rental ExperienceBetter than mostBetter than most
Repair ProcessAmong the bestAmong the best
SettlementAmong the bestBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionNJ Manufacturers USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic864 pt
Among the best
896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionNJ Manufacturers USAA
Android
15 Reviews
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsNJ Manufacturers USAA
A.M. BestA+A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityNJ Manufacturers USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityNJ Manufacturers USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityNJ Manufacturers USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityNJ Manufacturers USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityNJ Manufacturers USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityNJ Manufacturers USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityNJ Manufacturers USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityNJ Manufacturers USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityNJ Manufacturers USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityNJ Manufacturers USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityNJ Manufacturers USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityNJ Manufacturers USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityNJ Manufacturers USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeNJ Manufacturers USAA
Anti-Theft DeviceUp to 25%Up to 20%
Multiple PolicyUp to 5%Up to 9%
Defensive DriverVariesVaries
Good StudentVariesVaries
Multiple VehicleVariesUp to 13%
Senior AdultVaries--
teenSMARTVariesVaries
Accident Forgiveness--Varies
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
New Car--Varies
Passive Restraint--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeNJ Manufacturers USAA
Automatic Online Payment
--yes
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesNJ Manufacturers USAA
24/7 serviceyesyes
Flexible / convenient payments--yes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesNJ Manufacturers USAA
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Extended Coverage
--yes
No Fault Coverage
yes--
Rental Reimbursement
--yes
Roadside Assistance
yesyes
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • NJ Manufacturers
  • USAA
  • Both

Compare Insurance Products

ProductNJ Manufacturers USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • NJ Manufacturers Reviews
  • USAA 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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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

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.