NJM Insurance Review 2026

NJM Insurance, also known as the New Jersey Manufacturers Insurance Company, is a well-known insurance company that offers personal and business coverage options. It has a favorable reputation with over 100 years of history and market presence in New Jersey and some other states. This NJM Insurance review will delve into various aspects of NJM, including its coverage options, pros and cons, customer satisfaction, discounts, and more.

Overview

• No. Of Reviews: Trustpilot (10,545), Google (626), Clearsurance (372) | Total reviews: 11,543
• NJM Insurance Rating: Trustpilot (4.7), Google (3.8), Clearsurance (4.67) | Average rating: 4.39
• NJM Insurance Phone Number: 1-800-232-6600
• Address: 301 Sullivan Way West, Trenton, NJ 08628

About

In 1913, NJM Insurance was established to cater to the expanding business community in New Jersey, with a focus on providing workers’ compensation insurance. Gradually, they expanded beyond New Jersey and have been fulfilling the insurance needs of both individuals and businesses.

Today, the New Jersey Manufacturers Insurance matches the high-quality coverage and financial strength of best insurance companies in the U.S. Some of their most popular coverages in New Jersey and Pennsylvania are auto insurance, homeowners insurance, renters insurance, commercial auto, and business insurance.

Let’s learn more about this insurance company that has earned a reputation as a reliable and trusted carrier.

Coverages and Available States

Personal Insurance

• Auto
• Homeowners
• Renters
• Condo
• Umbrella
• Boat and Watercraft
• Classic and Collector Car
• Motorcycle and ATV

NJM’s personal insurance policies are available to Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania residents.

Learn more about Pennsylvania car insurance>>

Business Insurance

• Workers’ Compensation
• Commercial Auto
• ProPack Commercial Package Policy
• ProEdge Businessowners Policy
• Commercial General Liability
• Commercial Excess and Umbrella

Here, the workers’ compensation and commercial auto insurance by the carrier are available in Connecticut, Delaware, Maryland, New Jersey, New York, and Pennsylvania.

The rest of the business insurance coverages are available only in Delaware, Maryland, New Jersey, and Pennsylvania.

NJM Discounts

Car Insurance Discounts

All NJM auto insurance reviews mention the various discounts that help you save on your car insurance premiums. These discounts are based on you as the driver, your vehicle, and the policy.

Discounts based on the driver:

• Defensive driving course
• Driver training discount for teens
• Good student
• Mature driver

NJM Discounts based on the vehicle:

• Multi-vehicle discount
• Anti-theft or vehicle recovery device
• New car discount

Discounts based on the policy:

• Home and auto bundle
• Electronic payment
• Full coverage
• Paid in full
• Paperless

Please note that some discount offers are only available in specific locations.

If you take a defensive driving course and live in New Jersey, you can save 5% on liability, collision, and PIP premiums.

Furthermore, if you are a resident of CT, MD, NJ, or PA, under the age of 21, you must meet the required training hours to get the driver training discount.

Homeowners Insurance Discounts

NJM claims to have insured just about every type of house in its 100 years of history. The NJM homeowners insurance reviews are also on the positive side due to the unique discounts they provide that can help you save more:

• Home and car bundle
• Safe home discount by using safety devices like a smoke alarm or sprinkler system
• Nonsmoker discount (EVEN IF YOU RECENTLY QUIT!)
• Age 65 and over discount
• Backup or portable generator discount
• Storm shutters and hurricane glass discount only in NJ, MD, and CT
• Electronic payment discount
• Paid-in-full discount
• Paperless discount only in CT, MD, OH, and PA

What is the Rating of NJM Insurance Company?

NJM Insurance boasts a strong financial rating from A.M. Best. However, it is not yet rated by Moody’s or S&P, which may be because it is a regional carrier and not a national one.

The customer review rating of NJM on BBB is only 1.67/5, which is an average of 9 reviews. The company’s BBB rating is way lower than other sources like Clearsurance, Trustpilot, and Google. This is why you need to refer to multiple sources before coming to a verdict.

Insurance is our business, but service is our passion. NJM policyholder Lawrence shares a 5-star Trustpilot review of his experience. ⭐ ⭐ ⭐ ⭐ ⭐

— NJM Insurance Group (@NJMIns) May 8, 2023

Customer Service & Claims

NJM Insurance places a strong emphasis on customer service, and they are known for their responsiveness.

• Hours: 7 a.m. to 9 p.m. (Monday to Friday) & 8:30 a.m. to 4:30 p.m. (Saturday)
• NJM car insurance phone number: 1-800-232-6600
• NJM home insurance phone number: Same as the car insurance number above

Claims

The New Jersey Manufacturers Insurance has been certified by J.D. Power for providing exceptional auto claims experience to its personal lines customers for five years in a row.

Their claims satisfaction ranking is higher than national carriers like GEICO, Progressive, Erie, Allstate, State Farm, Farmers, and many more, based on J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study.

NJM Insurance Co. Earned 896 out of 1,000 points from a survey that 8,239 auto insurance customers participated in. This number is second only to Amica Mutual, which earned 903 points.

Additionally, you can access their 24/7 claims service by phone or online.

• Claim phone number: 1-800-367-6564

NJM Insurance Review: The Verdict

To sum up, NJM is a regional property and casualty insurer, nationally recognized for its auto claims satisfaction. Their online reviews are generally positive, highlighting the company’s strong financial stability, discounts, hassle-free claims process, and excellent customer service.

As a result, you can have confidence that the company can pay out your claims promptly and serve you well. However, one potential drawback is that NJM Insurance primarily serves customers in New Jersey, Pennsylvania, Connecticut, and Maryland. Although some policies are available in up to 7 states, you need to find other insurers if you live outside their service area.

Likewise, their lack of a mobile app sets them back from other technologically forward carriers. Customers have also complained about high rates when compared to other carriers.

Overall, if you live in New Jersey or other states where the company serves, NJM Insurance is a trustworthy carrier. Please make sure that you understand their policies well before committing.

Here is a list of other insurance companies that are comparable with NJM:

• Frontline Insurance Review
• TypTap Insurance Review
• Colonial Penn Life Insurance Review

Sources

• NJM 
• Trustpilot
• Clearsurance
• Google
• BBB
• J.D. Power
• Wallet Hub