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New Jersey Manufacturers car insurance review

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Our verdict

Get top-rated service from local agents if you live in New Jersey, Connecticut, Ohio or Pennsylvania

NJM is a niche, local insurer that caters to drivers in New Jersey, Connecticut, Ohio and Pennsylvania. The company’s appeal lies in its friendly and helpful customer service, a claim that’s backed by thousands of positive customer reviews. Its agents are not only local, but they specialize in the laws and nuances of their state.

Drivers can also find wide coverage that you wouldn’t expect from a local company. NJM’s long list of coverage includes add-ons like ridesharing, new car replacement or transportation reimbursement after an accident.

Plus since it’s a mutual company, NJM pays dividends to its customers, paying about 5% of yearly premiums steadily since 1918. Some customers do report billing issues and slow claims, and you can’t get a policy if you live outside of NJM’s service area.

Otherwise, NJM is definitely worth a quote. The company stands out with its customer service and low premiums — especially in New Jersey, where auto insurance rates are among the highest in the country.

Pros

Cons

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finder.com's rating: 4 / 5

★★★★★

Details

Product details

Discounts

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How to get a free quote for NJM car insurance

Many customers like working with a local NJM agent — visit offices in West Trenton, Parsippany or Hammonton, New Jersey. If you don’t live nearby, call 800-232-6600 on weekdays from 7 a.m. to 9 p.m. or Saturday from 8:30 a.m. to 4:30 p.m. ET.

Or, get a quote online to peek at your potential premium.

Keep a few documents and details handy to speed along your application process.

What discounts can I get with NJM?

NJM offers a suite of attractive discounts for qualifying customers, a long list that you don’t always see from a local company.

What add-ons and perks does NJM offer?

The company offers a host of add-ons and a teen driving program to keep drivers safe. Coverage includes:

As part of its Teen Driver Safety program, NJM officers visit high schools around New Jersey to talk about distracted driving and state driving laws. The initiative is fully funded by NJM and free for all schools.

In 2013, the insurer launched Share The Keys, a 60- to 90-minute interactive program for parents and their teen drivers. The program aims to reduce the risk of teen crashes by getting parents involved. During the presentation, NJM touches on controlling the keys, being a good role model and boosting your teen’s practice driving hours.

Our review of NJM SafeDrive

NJM SafeDrive is a telematics car insurance program, which tracks your driving habits and rewards you with a personalized discount if you drive safely.

These are some of the lowest app ratings we’ve seen compared to other telematics programs. Yet SafeDrive doesn’t have as many reviews as other apps.

Since you’re allowing NJM to track and store your driving data, you want to read its privacy policy before joining SafeDrive.

NJM may use your data when setting your rates, providing services to you or for marketing or research purposes, as allowed by the law. However, NJM won’t use SafeDrive data for claims without your permission.

Keep tabs on these areas of your driving to get a high SafeDrive score.

New Jersey Manufacturers car insurance reviews and complaints

While NJM isn’t accredited with the Better Business Bureau (BBB), it holds an B- BBB rating for its customer interactions, as of 2024 . NJM also received a 0.24 rating on the National Association of Insurance Commissioners (NAIC) complaint index. The industry standard is 1.00, showing that NJM gets far fewer complaints than average for its size.

The company ranks as one of the top insurers for the Mid-Atlantic US, ranking No. 4 out of 15 companies in J.D. Power’s 2020 Auto Insurance Satisfaction Study. And on Trustpilot, nearly 6,000 customers rate the company with an overall 4.8 out of 5 stars. NJM does ask its customers to leave a review on Trustpilot.

Some people experience trouble getting claims paid or reimbursed for transportation with NJM. A few customers say they received an unexpected notice about their policy lapsing or unexpected charges on their account. Overall, customers praise the company’s local knowledge, friendly customer service and quick claims payments, though some say that NJM is hard to reach during the claims process.

Our car insurance experts rate NJM with 4 out of 5 stars because of its high marks from customers and rating sites across the board, including J.D. Power, Trustpilot, the BBB and AM Best. Its A+ AM Best score proves its strong ability to pay out claims.

It also holds one of the lowest NAIC scores of any insurer, showing that customers have few complaints about the company. NJM’s few discounts does pull down its overall score.

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What car insurance coverage does NJM offer?

NJM’s coverage is geared toward state laws and driving conditions in the states it serves. Your policy might cover:

Who can apply for NJM insurance?

Although NJM used to have strict eligibility requirements for drivers in New Jersey, the company has expanded its coverage to include all drivers in New Jersey, Pennsylvania and Connecticut. In fact, that open eligibility extends to all its personal and business insurance products in all three states.

Pros and cons of NJM car insurance

How do I make a claim with NJM?

You can file a car insurance claim 24/7 by calling 800-367-6564 or logging into the online portal.

You’ll need to provide the following information:

You can get in touch with NJM in a few ways.

Frequently asked questions about NJM car insurance

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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Katia Iervasi

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Katia Iervasi is a lead writer and spokesperson at NerdWallet and a former editor at Finder, specializing in insurance. Her writing and analysis on life, disability and health insurance has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. She holds a BA in communication from Australia's Griffith University. See full profile

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