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NJM Insurance is a strong choice for auto insurance if you live in Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania. In J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study, NJM ranks among the top insurers nationally for claims satisfaction (1,000-point scale), exceeding the industry average.
NJM offers comprehensive coverage, including a range of add-on policies for added protection. Policyholders can get new car replacement coverage, roadside assistance, gap insurance, rental car and rideshare reimbursement, and even pet insurance. Availability and details can vary by state.
Because NJM is a regional company, service quality is a key differentiator. NJM ranks highest in the New Jersey regional segment for overall customer satisfaction in J.D. Power’s 2024 U.S. Auto Insurance Study, and regulatory data show a private passenger auto complaint index below the industry average (Index < 1.00), per the NAIC Consumer Insurance Search.
When it comes to discounts, NJM also stands out. Drivers can save money on their premium by taking a defensive driving course, bundling multiple policies, insuring more than one vehicle, maintaining good grades, choosing paperless documents or pay-in-full (where available), and enrolling in the optional NJM SafeDrive telematics program; eligibility and discount amounts vary by state.
The only major downside to NJM is that the company sells auto insurance in just five states, which is a relatively small market compared with national carriers.
NJM Insurance: Financial Strength, Availability, and History
Overall, NJM has a good reputation in the industry, despite its regional footprint. The company holds an A+ (Superior) Financial Strength Rating from AM Best, affirmed in 2025, indicating superior claims-paying ability. Independent benchmarks show strong satisfaction, including top-tier performance in J.D. Power’s 2024 studies and a sub‑1.00 complaint index on the NAIC Consumer Insurance Search; at the same time, consumer review sites like TrustPilot and the BBB reflect mixed individual experiences.
- In business since: over 100 years
- States served (availability): 5
- Standout features: Customer service, add-on policies, discounts, online quote tool, telematics (SafeDrive)
| Pros | Cons |
| • Strong financial strength (AM Best A+) • Longstanding history and expertise | • Limited availability (five states) |
The Auto Insurance Factors We Analyzed
Pricing
Based on 2024 analyses of NJM by major consumer finance outlets, average premiums for a good driver profile typically fall in the low‑ to mid‑$400s per year for minimum coverage and the low‑ to mid‑$1,000s per year for full coverage; exact figures vary by state, driver, and methodology. See NerdWallet’s 2024 NJM review for current averages and methodology.
Many different factors are considered when an insurance provider calculates your rate. Some factors are out of your control, like your age, driving history and state. Others you can control, like the amount of coverage you purchase and your deductible. Ultimately, every driver will pay a different insurance premium based on their unique circumstances.
Customer experience
We also reviewed NJM’s customer experience ratings from leading research groups. In J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study, NJM ranks among the top insurers nationally for post‑claim satisfaction. The company also ranks highest in the New Jersey regional segment in J.D. Power’s 2024 U.S. Auto Insurance Study. In addition, the NAIC complaint index for NJM’s private passenger auto line is below 1.00, indicating fewer complaints than expected for its size.
To apply for coverage with NJM, you can use the online quote tool or call an agent. All documents are available online or through your customer dashboard if you need to file a claim. It’s also easy to get in touch with an agent through phone or email if you have questions about your policy.
Coverage
Overall, NJM offers reliable auto insurance coverage. The company offers basic coverages, including collision, comprehensive, liability, uninsured/underinsured motorist and medical payments coverage. However, they don’t provide any coverages that are especially unique or different from competing insurance providers.
If you’re buying auto insurance for the first time, it can be helpful to talk with an NJM agent to ensure you’re purchasing the right coverage and the right amount of coverage. To determine how much liability coverage you need, consider the value of your assets, like IRAs, retirement accounts, investment real estate properties and even your savings account. The more assets you have, the more liability coverage you’ll need.
Deals, discounts, and add-ons
NJM offers a variety of discounts to help drivers lower their premiums. For instance, drivers can save money by taking a defensive driving class, setting up autopay, purchasing a full coverage policy, being a good student, bundling home and auto insurance and paying their premium in full. The optional NJM SafeDrive telematics program can also reduce premiums for safe driving where available.
Additionally, NJM sells several endorsement coverages. Some examples of available add-on coverages include pet insurance, roadside assistance, transportation reimbursement coverage and new car replacement coverage. While NJM offers good endorsements, their coverage options aren’t necessarily more extensive than its competitors, and availability varies by state.
The Bottom Line
Based on our evaluation, NJM is a great insurance company across the board. It offers good coverage options, a wide range of endorsements, and discounts that can help you save money on your premium. Additionally, we like that the company has great financial strength and consistently high marks from independent research, including J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study and the NAIC complaint index.
The biggest drawback to NJM is that the company only sells auto insurance policies to drivers in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. But if you live in one of those states, NJM has you covered. We recommend NJM to drivers who value customer service and a strong claims experience.
The Competition
| A.M. Best Financial Strength Rating | J.D. Power 2024 Claims Satisfaction Study | 24/7 Claims Support | |
| NJM Insurance | A+ | Among highest | Yes |
| USAA | A++ | Typically high (membership required) | ✔ |
| Geico | A++ | Average to above average (varies by region) | ✔ |
| State Farm | A++ | Above average in many regions | ✔ |
| Progressive | A+ | Varies by region/year | ✔ |
| Nationwide | A+ | Varies by region/year | ✔ |
| Safeco | A | Varies by region/year | ✔ |
All information current as of November 2025.
NJM Insurance FAQ
What other types of insurance does NJM Insurance offer?
NJM offers auto, home, renters, umbrella and commercial insurance. However, some products are only available in certain states. If you bundle your home and auto insurance with NJM, you qualify for a discount on your premium.
How much car insurance do I need?
To determine how much car insurance you need, determine the minimum requirements for your state. You can choose to carry only the required amount or purchase more coverage for added protection. You can use this guide to select the right amount of auto insurance for your needs.
Where is NJM Insurance auto insurance coverage available?
NJM auto insurance is available to drivers in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
What does NJM Insurance car insurance typically cover?
NJM Insurance auto policies cover comprehensive, collision, uninsured/underinsured motorists, liability and medical payments coverage. Drivers can get more coverage by purchasing endorsement policies, like roadside assistance, new car replacement coverage, and gap insurance.
Methodology
We evaluated NJM based on discounts, coverage, online resources, financial strength, and customer satisfaction to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2024 Auto Insurance Study to compare the average rating of insurers across all regions.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used recent 2024 data from reputable consumer finance outlets that publish standardized good‑driver profiles. For full coverage, the details used were the following:
- $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 2019 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.
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