NJM insurance review 2025

If you are looking for the best car insurance on a budget, New Jersey Manufacturers (NJM) might be a good option, but only if you live in the provider’s limited service area. NJM car insurance policies are only offered to residents of five states: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.

Bankrate assessed NJM a Bankrate Score of 4.0 out of 5.0. This score takes into account that the company ranks highly for customer and claims satisfaction in J.D. Power studies and offers low average rates. However, NJM lost points due to limited availability and lack of functional mobile tools.

NJM offers all the standard auto coverage types, like liability, comprehensive and collision. While NJM doesn’t offer a wide array of endorsements, there are a handful of options for policy customization, including ridesharing coverage, gap coverage, and physical damage coverage for trailers or campers.

Pros and cons of NJM car insurance

Making a list of pros and cons may help you identify your priorities when comparing car insurance quotes. These perks and drawbacks we identified for NJM car insurance could help you distinguish one company from the next:

Finding the best home insurance company for your needs may seem daunting, but Bankrate's reviews are here to help you narrow down your choices. If you live in a state NJM services, the company's homeowners insurance could be an excellent choice if you're looking for low average premiums and customizable policies. NJM earned a Bankrate Score of 4.5 out of 5, thanks partly to its cheap rates and wide range of coverage options. However, just like with its auto insurance, NJM’s digital tools for home insurance aren’t as robust as the tools offered by many other companies on the market.

Along with the standard homeowners coverage types, NJM policyholders could choose to add identity fraud expense coverage, water backup coverage, scheduled personal property, enhanced other structures coverage and more. The company’s assisted living coverage is especially unique and provides liability and personal property coverage to eligible family members who live in an assisted living facility.

Pros and cons of NJM homeowners insurance

Comparing home insurance quotes may seem like a chore, but creating a pros and cons list might help streamline the process. Here are some notable benefits and drawbacks we identified with NJM homeowners insurance:

If you're still wondering whether NJM insurance is the right choice for you, you may consider reaching out to these additional home and auto insurance companies:

Members of Bankrate’s editorial staff are licensed agents, and the team has decades of insurance industry experience between us. We understand how much thought goes into gathering insurance quotes and choosing the best company. For this reason, we conduct detailed, holistic insurance carrier reviews — our goal is to provide our readers with the information they need to make the most educated decision about their insurance needs.

Whether NJM is a good company likely depends on your priorities. Based on proprietary premium data, NJM may be among the cheapest car insurance companies, but it only sells insurance in five states. It also offers robust homeowners insurance coverage options, but it's missing a few endorsements for auto. Lastly, policyholders who value digital tools may want to look elsewhere — although the company has an online policy portal, the system doesn't allow for policy changes, and the company lacks a mobile app capable of policy management. Perhaps the best way to determine if NJM can provide what you need is to contact the company for a quote.

What are real-life customers saying about NJM?

To offer a hands-on perspective on NJM's insurance services, we've gathered insights from real customers who have shared their experiences online. These testimonials come from two main sources: Reddit, a dynamic discussion platform where individuals freely share their opinions and advice on a wide array of topics including insurance, and Trustpilot, a dedicated platform for company reviews. Sourcing experiences from sites like these helps to give a well-rounded view of NJM's performance from the customer's viewpoint. Together, these platforms offer valuable insights into NJM's customer service, claim handling and overall satisfaction levels among policyholders.

Reddit

Reddit users offer varying perspectives on NJM Insurance, with one highlighting the company's excellent service and swift claims process for responsible drivers, while another voices dissatisfaction over significant rate increases despite a clean driving record. These accounts reflect the diverse experiences individuals may have with insurance providers, influenced by personal driving history and policy changes.

Trustpilot

Trustpilot reviews for NJM Insurance show mixed experiences. One user appreciates the reasonable rates and professional handling of claims, recommending the company to friends. Another expresses frustration over a significant premium increase following a minor claim, feeling penalized for utilizing their insurance, leading to consideration of policy cancellation.

NJM Company details

For those interested in NJM Insurance or current policyholders seeking assistance, you can contact the company via the following:

• Customer service and sales: 1-800-232-6600
• Claims: 1-800-367-6564
• Website: NJM.com
• Payments address: PO Box 70167, Philadelphia, PA 19176
• General mailing address: 301 Sullivan Way, PO Box 428, West Trenton, NJ 08628

State availability

NJM offers home and auto insurance policies in a select number of states, focusing on serving residents in the Northeastern United States. NJM is available in the following states:

• Connecticut
• Maryland
• New Jersey
• Ohio
• Pennsylvania

NJM tools and benefits

While NJM’s digital tools may not be as impressive as some of its competitors', the company’s website does feature a helpful “Life Events” section, with articles on everything from getting your first job to having a baby, along with insight into how those events may impact your insurance needs. There’s also a “Safety Center” section that includes tips on personal safety, safe driving and home safety. NJM offers the following products along with its auto and home insurance offerings:

• Renters insurance: Renters insurance is sometimes overlooked, but this policy may provide renters with important liability protection. A renters policy also offers coverage for personal property that is not covered by a landlord’s homeowners insurance.
• Umbrella insurance: An umbrella policy provides extra liability coverage above and beyond what you carry on your home and auto policies. It could help you cover expenses related to dog bites, swimming pool accidents, or injuries to vehicle passengers.
• Business insurance: NJM’s business insurance offerings include workers' compensation, commercial auto and commercial umbrella policies. Unlike its personal policies, NJM business policies are available in New York.
• Classic car insurance: This specialized type of insurance policy can be used to protect a wide breadth of vehicles like collector cars, antiques, custom vehicles and even tractors. 
• Boat and watercraft insurance: NJM partners with American Modern to bring liability and physical damage coverage to boat owners.
• ATV and motorcycle insurance: Like its boat policies, NJM’s ATV and motorcycle policies are also underwritten by American Modern.

Frequently asked questions about NJM insurance

Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Auto insurance rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.