NJM Car Insurance Review for 2025 [Customer & Financial Ratings]
This NJM car insurance review highlights the company's reputation for affordable coverage, with rates starting at $31/month. Its availability is limited to select states, but comparing NJM insurance rates, discounts, customer feedback, and overall value will help you determine if it meets your insurance needs.
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Table of Contents
Table of Contents
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Ty Stewart
Updated March 2025
This NJM car insurance review highlights the company’s affordable rates and strong customer satisfaction, making it a top choice for drivers.
NJM offers significant discounts, such as 15% off car insurance for bundling auto and home insurance, but availability is limited to a few states.
While NJM is one of the cheapest car insurance companies for local drivers, particularly for low-risk drivers, those with DUIs or multiple infractions may find higher premiums.
NJM Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Insurance Rating | 4.3 |
| Business Reviews | 5 |
| Claim Processing | 5 |
| Company Reputation | 5 |
| Coverage Availability | 2.7 |
| Coverage Value | 4.4 |
| Customer Satisfaction | 4.6 |
| Digital Experience | 4 |
| Discounts Available | 5 |
| Insurance Cost | 4.3 |
| Plan Personalization | 4 |
| Policy Options | 3.4 |
| Savings Potential | 4.5 |
Overall, NJM is best suited for drivers seeking budget-friendly options and strong service. Remember to compare multiple insurance quotes to find the best coverage. Get started today by entering your ZIP code in our free quote tool.
- NJM has affordable car insurance rates for most customers
- NJM is in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania
- Some customers report unexpected rate increases at renewal
NJM Car Insurance Costs
NJM Insurance has affordable rates for most drivers of all ages, although teenagers will be paying the most for NJM auto insurance due to driving inexperience. Teenagers who join a parent’s NJM policy will have cheaper rates than the ones shown below (Read More: The Perks of Staying on Your Parents’ Car Insurance Policy).
NJM Car Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $168 | $493 |
| Age: 16 Male | $184 | $516 |
| Age: 18 Female | $137 | $363 |
| Age: 18 Male | $158 | $419 |
| Age: 25 Female | $40 | $121 |
| Age: 25 Male | $42 | $128 |
| Age: 30 Female | $37 | $112 |
| Age: 30 Male | $39 | $119 |
| Age: 45 Female | $34 | $103 |
| Age: 45 Male | $33 | $101 |
| Age: 60 Female | $31 | $91 |
| Age: 60 Male | $32 | $93 |
| Age: 65 Female | $34 | $101 |
| Age: 65 Male | $33 | $98 |
Driving record also impacts NJM auto insurance rates, with DUI drivers paying the most for NJM car insurance policies.
Full coverage is more expensive at NJM Insurance Company, but this is because you are purchasing a greater level of protection for your vehicle.
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NJM Car Insurance Rates vs. the Competition
When compared to other auto insurance companies, is NJM cheaper? Take a look below at NJM compared to other companies to find out.
Monthly NJM Car Insurance Rates vs. Top Providers by Gender
| Insurance Company | Female | Male |
|---|---|---|
 | $162 | $160 |
 | $115 | $117 |
 | $139 | $139 |
 | $80 | $80 |
 | $171 | $174 |
| $103 | $101 |
 | $112 | $105 |
 | $86 | $86 |
 | $98 | $99 |
 | $59 | $59 |
NJM isn’t the most expensive, but it’s affordable compared to most companies on our list. However, a few other companies, such as State Farm or Geico, may be cheaper. Read our Geico car insurance review or State Farm car insurance review to learn more.
Just because a company is the cheapest doesn't mean it's the best. Read reviews to learn about the strengths and weaknesses of auto insurance companies, which will help you make an informed car insurance choice.Brandon Frady Licensed Insurance Producer
Next, see how NJM car insurance stacks up to other companies based on a customer’s driving record. It remains one of the cheapest providers after an accident and DUI.
NJM Car Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One DUI | One Accident |
|---|---|---|---|---|
| $160 | $188 | $270 | $225 |
| $117 | $136 | $194 | $176 |
| $139 | $173 | $193 | $198 |
| $80 | $106 | $216 | $132 |
| $174 | $212 | $313 | $234 |
| $101 | $121 | $149 | $147 |
| $105 | $140 | $140 | $186 |
| $86 | $96 | $112 | $102 |
| $99 | $134 | $206 | $139 |
| $59 | $67 | $108 | $78 |
If you are unsure if NJM is the most economical choice for your demographic and coverage needs, you can get an NJM insurance quote to see your exact coverage rate.
Using a quote comparison tool is helpful if you want to get quotes from more than one company, as it will help you determine which company in your area has the cheapest rate.
Car Insurance Coverages at NJM
NJM Insurance Group has a few customization options for car insurance policies, with extras like roadside assistance available to purchase.
NJM Car Insurance Coverage Options
| Coverage | What it Covers |
|---|---|
| Liability | Covers bodily injury and property damage to others |
| Collision | Covers damages to your vehicle after a collision |
| Comprehensive | Covers non-collision-related damages (e.g., theft, weather) |
| Uninsured/Underinsured Motorist | Protects if the other driver is uninsured or underinsured |
| Roadside Assistance | Provides towing, flat tire changes, and lock-out services |
| Gap Insurance | Covers the gap between vehicle value and loan amount |
| Rental Car Reimbursement | Covers costs for rental vehicles after a covered accident |
NJM doesn’t have customized car insurance or new car replacement insurance. However, it still has some great add-ons for customers.
Read More: The Perks and Pitfalls of Car Insurance Add-ons
Car Insurance Discounts at NJM
NJM’s biggest discount is its multi-policy discount, where you can save 15% by purchasing auto insurance with a home or renter’s insurance policy. If you are interested in a bundling discount, make sure to read NJM homeowners insurance reviews to see if its home insurance is the right fit for you.
NJM Car Insurance Discounts by Savings Potential
| Discount | Savings | Who Qualifies? |
|---|---|---|
| Multi-Policy | 15% | Customers who purchase auto with renters or homeowners insurance |
| Paid-in-Full Discount | 12% | Customers who pay the entire premium upfront instead of monthly |
| Defensive Driving | 8% | Customers who complete an approved defensive driving course |
| Good Student Discount | 7% | Students with a B average, 3.0 GPA, or higher |
| SafeDrive Program | 3% | Customers who demonstrate safe driving behavior |
You can also apply for smaller discounts, such as a good student discount, to save on your NJM insurance. Learn more in our guide on how to lower your car insurance costs.
Most of NJM’s car insurance discounts will be applied automatically to your policy unless you need to provide proof that you qualify.
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Customer Reviews of NJM
NJM insurance reviews on Reddit are mostly positive, with customers leaving feedback about how switching to NJM saved them money on car insurance.
Negative feedback from customers revolves around unexpected rate increases during renewal and trouble getting insured with NJM if they are higher-risk drivers with multiple infractions.
This is likely because NJM keeps its rates low by ensuring drivers with a lower likelihood of filing a car insurance claim after an accident.
Business Ratings of NJM
NJM insurance reviews from BBB, J.D. Power, and others are excellent. According to NJM insurance reviews from Consumer Reports and J.D. Power, NJM has a low number of consumer complaints and mostly positive customer feedback.
NJM Car Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 909 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 93/100 Positive Customer Feedback |
 | Score: 0.24 Fewer Complaints Than Avg. |
 | Score: A+ Superior Financial Strength |
NJM also has a great financial stability rating, which means it will be able to meet ongoing financial obligations and pay customer claims. A strong financial rating is something you should always look for when shopping among the best car insurance companies.
NJM Car Insurance Pros and Cons
As you compare car insurance companies, some of the reasons customers may choose NJM over other providers include:
- Affordable Rates: NJM auto insurance rates are affordable for the majority of its customers.
- Customer Satisfaction: NJM scored highly for customer claims satisfaction and has a low number of customer complaints.
- Discount Deals: NJM has a bundling discount, a defensive driver discount, and more.
NJM auto insurance isn’t for every driver. Negatives that might make NJM Insurance a poor choice for your needs when buying car insurance include:
- Limited Availability: NJM is only available in a few select states.
- No Mobile App: NJM doesn’t have a mobile app for general policy management.
If you don’t live in one of the few states NJM sells insurance in, NJM won’t be an option for your car insurance needs. And you’ll have to speak to an agent or use the company’s website to access or update your policy.
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Deciding if NJM Meets Your Car Insurance Needs
Our NJM car insurance review found that its affordable rates are a key advantage of buying car insurance from NJM, particularly benefiting low-risk drivers. Notably, NJM offers a 15% discount for bundling auto and home insurance, making it competitive pricing.
The limited availability of NJM in just five states can be a drawback. For drivers seeking budget-friendly options, NJM stands out, but it's essential to consider your individual circumstances.Dani Best Licensed Insurance Producer
Now that you know how car insurance works at NJM, compare quotes from multiple car insurance companies online to find the best policy for your needs. Start today by entering your ZIP code in our free quote tool to explore your options.
Frequently Asked Questions
What is the ranking of NJM insurance?
NJM has been ranked well by several businesses. NJM reviews and ratings reveal it has an A+ from the BBB and A.M. Best and a high score from J.D. Power.
What is NJM known for?
NJM Insurance Group is known for affordable car insurance rates and high claims satisfaction.
Is NJM only for N.J. residents?
No, NJM also sells insurance in Connecticut, Maryland, Ohio, and Pennsylvania. Car insurance rates by state will vary.
Is NJM a real insurance company?
Yes, NJM is a real company that sells auto, homeowners, umbrella, and commercial business insurance policies.
What is the customer satisfaction of NJM car insurance?
Customer satisfaction is high, as NJM has a lower-than-average number of complaints recorded with the NAIC and a high rating from J.D. Power for claims satisfaction.
Can anyone buy NJM car insurance?
Only residents in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania can purchase NJM auto insurance. NJM will not accept all drivers, and your rates will vary depending on the factors that affect the price of car insurance.
How long has NJM Insurance been in business?
NJM Insurance Group was founded in 1913.
What states are covered by NJM?
NJM sells insurance in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. If you don’t live in one of those states, you can still find cheap car insurance online with our free quote tool.
What is the financial rating of NJM insurance?
NJM has an A+ financial rating from A.M. Best.
Why is New Jersey car insurance so expensive?
One of the reasons New Jersey car insurance is so expensive is that it’s a no-fault state for car insurance, so drivers have to carry higher amounts of coverage (Learn More: How Much Insurance Do I Need for My Car?).
Who has the cheapest car insurance in New Jersey?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How much is car insurance in N.J. per month?
NJM has been ranked well by several businesses. NJM reviews and ratings reveal it has an A+ from the BBB and A.M. Best and a high score from J.D. Power.
NJM Insurance Group is known for affordable car insurance rates and high claims satisfaction.
Is NJM only for N.J. residents?
No, NJM also sells insurance in Connecticut, Maryland, Ohio, and Pennsylvania. Car insurance rates by state will vary.
Is NJM a real insurance company?
Yes, NJM is a real company that sells auto, homeowners, umbrella, and commercial business insurance policies.
What is the customer satisfaction of NJM car insurance?
Customer satisfaction is high, as NJM has a lower-than-average number of complaints recorded with the NAIC and a high rating from J.D. Power for claims satisfaction.
Can anyone buy NJM car insurance?
Only residents in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania can purchase NJM auto insurance. NJM will not accept all drivers, and your rates will vary depending on the factors that affect the price of car insurance.
How long has NJM Insurance been in business?
NJM Insurance Group was founded in 1913.
What states are covered by NJM?
NJM sells insurance in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. If you don’t live in one of those states, you can still find cheap car insurance online with our free quote tool.
What is the financial rating of NJM insurance?
NJM has an A+ financial rating from A.M. Best.
Why is New Jersey car insurance so expensive?
One of the reasons New Jersey car insurance is so expensive is that it’s a no-fault state for car insurance, so drivers have to carry higher amounts of coverage (Learn More: How Much Insurance Do I Need for My Car?).
Who has the cheapest car insurance in New Jersey?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How much is car insurance in N.J. per month?
No, NJM also sells insurance in Connecticut, Maryland, Ohio, and Pennsylvania. Car insurance rates by state will vary.
Yes, NJM is a real company that sells auto, homeowners, umbrella, and commercial business insurance policies.
What is the customer satisfaction of NJM car insurance?
Customer satisfaction is high, as NJM has a lower-than-average number of complaints recorded with the NAIC and a high rating from J.D. Power for claims satisfaction.
Can anyone buy NJM car insurance?
Only residents in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania can purchase NJM auto insurance. NJM will not accept all drivers, and your rates will vary depending on the factors that affect the price of car insurance.
How long has NJM Insurance been in business?
NJM Insurance Group was founded in 1913.
What states are covered by NJM?
NJM sells insurance in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. If you don’t live in one of those states, you can still find cheap car insurance online with our free quote tool.
What is the financial rating of NJM insurance?
NJM has an A+ financial rating from A.M. Best.
Why is New Jersey car insurance so expensive?
One of the reasons New Jersey car insurance is so expensive is that it’s a no-fault state for car insurance, so drivers have to carry higher amounts of coverage (Learn More: How Much Insurance Do I Need for My Car?).
Who has the cheapest car insurance in New Jersey?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How much is car insurance in N.J. per month?
Customer satisfaction is high, as NJM has a lower-than-average number of complaints recorded with the NAIC and a high rating from J.D. Power for claims satisfaction.
Only residents in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania can purchase NJM auto insurance. NJM will not accept all drivers, and your rates will vary depending on the factors that affect the price of car insurance.
How long has NJM Insurance been in business?
NJM Insurance Group was founded in 1913.
What states are covered by NJM?
NJM sells insurance in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. If you don’t live in one of those states, you can still find cheap car insurance online with our free quote tool.
What is the financial rating of NJM insurance?
NJM has an A+ financial rating from A.M. Best.
Why is New Jersey car insurance so expensive?
One of the reasons New Jersey car insurance is so expensive is that it’s a no-fault state for car insurance, so drivers have to carry higher amounts of coverage (Learn More: How Much Insurance Do I Need for My Car?).
Who has the cheapest car insurance in New Jersey?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How much is car insurance in N.J. per month?
NJM Insurance Group was founded in 1913.
NJM sells insurance in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. If you don’t live in one of those states, you can still find cheap car insurance online with our free quote tool.
What is the financial rating of NJM insurance?
NJM has an A+ financial rating from A.M. Best.
Why is New Jersey car insurance so expensive?
One of the reasons New Jersey car insurance is so expensive is that it’s a no-fault state for car insurance, so drivers have to carry higher amounts of coverage (Learn More: How Much Insurance Do I Need for My Car?).
Who has the cheapest car insurance in New Jersey?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How much is car insurance in N.J. per month?
NJM has an A+ financial rating from A.M. Best.
One of the reasons New Jersey car insurance is so expensive is that it’s a no-fault state for car insurance, so drivers have to carry higher amounts of coverage (Learn More: How Much Insurance Do I Need for My Car?).
Who has the cheapest car insurance in New Jersey?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
How much is car insurance in N.J. per month?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
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