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Taylor Milam-Samuel is an experienced insurance writer for Compare.com. A credentialed educator, Taylor is passionate about personal finance and understanding how people manage their money. You can find her work across several trusted insurance and personal finance sites, including U.S. News & World Report, Business Insider, Credit Karma, Insurify, and more.
Taylor has been writing for Compare.com since 2025.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Incredibly low rates
Award-winning customer experience
Customer-focused sign-up process
Not available in most states
Only basic coverage options available
Limited customer service availability
Bottom Line: NJM is one of the best options for thrifty drivers in the mid-Atlantic. Policies are affordable, but you might have to pay extra for services other companies offer for free.
NJM Insurance prioritizes the essentials, like low premiums, reliable customer service, and straightforward coverage. With full-coverage rates averaging $93 per month, it’s one of the cheapest insurers in the mid-Atlantic region.
Plus, the company’s representatives don’t get an incentive to sell you extra coverage, making the sign-up process stress-free.
NJM consistently earns top ratings for customer satisfaction from J.D. Power, too.[1] You won’t find extensive coverage options or fancy branding, but NJM is a solid choice if you’re looking for a no-frills, dependable insurance company.
We rate insurance companies on a scale of 1 to 5 across factors that are most important to shoppers. NJM earns an overall score of 4.63 out of 5, ranking it among our top 10 auto insurers.
Here’s a look at the score breakdown across each category.
Category  | Score |
|---|---|
| Cost | 5/5 |
| Customer satisfaction | 5/5 |
| Policy management | 4.2/5 |
| Availability | 3/5 |
| Industry reputation | 3.5/5 |
| Overall Score | 4.63/5 |
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $83/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $139/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $116/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $102/mo* |
Overall Rating 0.0 | Overall Rating 3.9 | Overall Rating 3.2 | Overall Rating 4.0 | Overall Rating 3.5 |
Value 0.0/5 | Value 4.0/5 | Value 3.3/5 | Value 4.2/5 | Value 3.8/5 |
Customer Service 0.0/5 | Customer Service 4.4/5 | Customer Service 3.6/5 | Customer Service 4.3/5 | Customer Service 4.2/5 |
Claims Handling 0.0/5 | Claims Handling 4.0/5 | Claims Handling 3.3/5 | Claims Handling 3.9/5 | Claims Handling 3.5/5 |
Special Highlight N/AAI-generated from 0 user reviews | Special Highlight N/AAI-generated from 288 user reviews | Special Highlight N/AAI-generated from 266 user reviews | Special Highlight N/AAI-generated from 238 user reviews | Special Highlight N/AAI-generated from 158 user reviews |
NJM rises above the competition by keeping it simple and excelling at the basics. You’ll find cheap rates, standard coverage options, and friendly customer service. The company also provides a low-pressure and easy-to-understand quote process.
The company earned the J.D. Power Auto Claims Certification seven years in a row and ranks No. 1 for customer satisfaction in the mid-Atlantic region.
The bottom line is that NJM is one of the best picks if you want an excellent experience.
NJM Insurance is available in only five states. So, unless you live in Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania, NJM isn’t an option.
You also won’t find many add-on options like new car replacement. NJM offers the basics, including liability, collision, and comprehensive coverage, but its other offerings are somewhat limited.
Get quotes from leading insurers and save money in seconds.
Car insurance rates differ from one driver to the next, even with the same insurer. That’s because companies consider many different factors, like age, location, driving record, and credit history.[2]
To better understand what your insurance rates might be, it’s helpful to check the average premiums for drivers similar to you.
For example, if you haven’t had a ticket in five years, you can generally expect to pay less for an auto policy than someone with a recent moving violation. But if you have a teenager on your policy, you’ll likely pay higher rates than a family without one.
Here’s an overview of average full-coverage premiums from NJM for different drivers, according to Compare.com data.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $93 |
| Teens | $225 |
| Seniors | $54 |
| Recent ticket | $136 |
| Recent accident | $120 |
| DUI conviction | $128 |
| Excellent credit | $88 |
| Bad credit | $113 |
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Every auto policy from NJM includes coverage that meets your state’s minimum requirements. Full-coverage policies (which are optional unless you finance or lease your car) typically include liability, collision, and comprehensive insurance.
You can also customize your coverage by increasing your policy limits or adding optional endorsements, like gap insurance or roadside assistance.
Here’s a list of additional coverages NJM offers:
Collision: This coverage pays for vehicle repairs if you hit an object or another car.
Comprehensive: This coverage applies when something other than a collision damages your vehicle, like severe weather or theft.
Uninsured/underinsured motorist: This coverage helps pay for repairs and medical expenses if a driver without enough coverage hits you.
Medical expenses: In some states, NJM covers health expenses related to a covered event.
Gap insurance: If you total your car, NJM will pay the difference between what you owe on your car loan and what it’s currently worth.
Rental reimbursement: This coverage provides a higher rental car reimbursement rate while your car gets repaired.
Roadside assistance: This coverage helps pay for towing, labor, and other services if your car breaks down. But you’re still responsible for a flat fee of $75 or $125, depending on your coverage.
Rideshare endorsement: This coverage gives you extra protection if you work as a driver for an app-based delivery or rideshare service.
Discounts help you save money on car insurance. You don’t need to do anything except meet the eligibility requirements to qualify for most discounts. But for some, you have to complete a class, like a driver training or defensive driving course.
Let’s take a look at the discounts NJM Insurance offers, including how to qualify for each one.
Driver training: Get a lower car insurance premium by completing state-specific requirements.
Automatic payment: Drivers with auto pay get an extra discount.
Full coverage: You can get a discount for adding comprehensive and collision coverage.
Good student: High school or college students with at least a 3.0 GPA qualify for savings.
Home and auto bundle: NJM offers bundling options for drivers who have an auto and home insurance policy with the company.
Mature driver: Older drivers who complete a safe-driving course get an extra discount. It isn’t available in New Jersey, though.
Multi-vehicle: You automatically get a discount when you insure two or more cars on the same auto policy.
New car: Drivers with a car that’s 2 years old or newer can save on their auto coverage.
Paid in full: You get this discount when you pay your premium in full instead of monthly.
Paperless: You can also save by signing up for paperless delivery of documents.
Vehicle safety equipment: If your car has extra anti-theft or safety features, you might qualify for an additional discount.
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NJM Insurance earned the J.D. Power Claims Certification, so you know the company takes claims satisfaction seriously. Knowing how to file a claim in advance makes the process easier if something happens.
Here’s an in-depth look at how to file a car insurance claim with NJM:
Start the claim: Call the NJM Claims Center at 1 (800) 367-6564 or report the claim online.
Talk with your representative: The company assigns a dedicated claims representative who stays with you throughout the claims process.
Make a repair plan: Your representative can help you make a repair plan. If you choose an NJM-certified repair shop in the Premier Car Care Network, NJM guarantees the work for two years.
Use your transportation reimbursement benefit: Every policy includes this coverage, and you can use the money to get around with a rideshare, taxi, or rental car. Most companies offer only rental car reimbursement, making this a unique feature.
Wait for the investigation: The insurers determine who’s responsible for the accident based on evidence and interviews. The process might take a few days to finish.
Learn about the outcome: Your representative will contact you with the investigation results and any final steps.
NJM is a private insurance company with headquarters in New Jersey. Policies are available in five mid-Atlantic states, and Progressive is one of the company’s top competitors.
Here’s a look at NJM Insurance, including details about NJM SafeDriver.
Criteria | Result |
|---|---|
| Founded | 1913 |
| Available in | Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania |
| Owned by | Private |
| Average full-coverage premium | $93 per month |
| Mobile app | None |
| Customer service | 1 (800) 232-6600 |
| Claims | 1 (800) 367-6564 |
SafeDrive is NJM’s telematics program that can save you money on coverage. The app tracks your driving habits, including speed, braking, and how you use your phone behind the wheel.
After each trip ends, you get a score based on your driving. NJM can also view the score, but it doesn’t impact your car insurance costs. The good news is that you automatically get a discount for enrolling in the program.
NJM offers other insurance policies that extend beyond car insurance. Having more than one type of insurance from the same company can simplify your coverage, help you qualify for additional discounts, and make billing easier.
Here’s a look at NJM’s other insurance offerings for individuals and businesses.
Classic and collector car
Motorcycle and ATV
Boat and watercraft
Homeowners
Condo
Renters
Flood
Personal umbrella
Business insurance
Check quotes from 100+ top insurance companies.
Choosing a car insurance company is a big decision. Below, we answered some of the most common questions about NJM Insurance.
Yes. NJM is a good insurance company with excellent customer service, strong financial standing, very few complaints, and competitive rates. It’s a solid option for mid-Atlantic drivers who want simple coverage.
NJM car insurance costs an average of $69 per month for liability coverage, according to Compare.com data. Full coverage costs an average of $93 per month.
It depends. Compare.com data shows that NJM is relatively affordable compared to other companies. NJM’s full-coverage rates average $93 per month, compared to the national average of $180 per month. But how much you pay for car insurance depends on many factors, like your driving record, location, and age.
It depends. The best car insurance company for you depends on your budget and coverage needs. For example, NJM might be the best pick if you live in the mid-Atlantic region and want low-cost insurance. Comparing quotes from multiple companies can help you find the best fit.
It depends. NJM tends to have affordable car insurance rates, according to Compare.com data. Liability coverage with NJM averages $69 per month, compared to the national average of $104 per month. You can compare rates to find the most affordable option.
It depends. GEICO and NJM are both solid options for car insurance. GEICO earns a slightly higher Compare.com score of 4.93 out of 5 compared to NJM’s 4.63 out of 5. But NJM still typically offers cheaper coverage, so it might be a better fit for some drivers.
It depends. NJM’s average liability-only rate is $69 per month, while State Farm’s is $57 per month, according to Compare.com data. But your personal car insurance rates depend on many factors, including your age, location, and driving record.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Taylor Milam-Samuel is an experienced insurance writer for Compare.com. A credentialed educator, Taylor is passionate about personal finance and understanding how people manage their money. You can find her work across several trusted insurance and personal finance sites, including U.S. News & World Report, Business Insider, Credit Karma, Insurify, and more.
Taylor has been writing for Compare.com since 2025.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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