NJM
- Customer satisfaction is high.
- Complaints are low.
- Possible dividend payments for New Jersey policyholders.
- Not available in many states.
- No mobile app for managing policy.
NerdWallet's take on NJM auto insurance
NJM earned 5 stars out of 5 for its excellent customer experience scores, helpful website and discount options.
Best for: Drivers in the Mid-Atlantic and New England states where NJM offers coverage.
Not ideal for: Drivers who can’t get a quote from NJM where they live or prefer to use a mobile app to manage their policies.
Where NJM car insurance stands out
Customer experience. NJM received some of the best scores across all of the car insurance companies we reviewed, particularly when it comes to how customers feel about the claims process.
Ways to save. NJM offers a strong list of discounts on top of its affordable pricing. In addition, drivers in New Jersey may be eligible for policies that pay dividends.
Where NJM car insurance falls short
Limited availability. NJM is available in only five states: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
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How much does NJM car insurance cost?
Our cost analysis of NJM car insurance only includes averages for New Jersey drivers. Rates data for NJM wasn’t available for other states where the company sells policies.
In New Jersey, NJM car insurance costs an average of $182 per month or $2,189 per year for a policy that includes full coverage, according to our November 2025 analysis. That’s compared to the state average of $3,537 per year.
NJM car insurance costs an average of $75 per month or $905 per year in New Jersey for a policy that only includes minimum coverage, according to our November 2025 analysis. That’s compared to the state average of $1,036 per year.
» MORE: Compare car insurance rates
NJM auto insurance rates by age
Age is one of the biggest factors that affects your car insurance rates. Our analysis of average rates, for example, shows that teens and drivers in their 20s usually pay the most. Drivers in their 60s and 70s often pay much less because they are considered less risky behind the wheel.
Here are NJM's average car insurance rates for drivers of different ages in New Jersey:
Young drivers. The average cost of NJM car insurance for 20-year-old drivers in New Jersey is $3,839 per year, or $320 per month. The state average for this age group is $7,525 per year, or $627 per month.
Adult drivers. The average cost of NJM car insurance for 40-year-old drivers in New Jersey is $2,149 per year, or $179 per month. The state average for this age group is $3,457 per year, or $288 per month.
Senior drivers. The average cost of NJM car insurance for 60-year-old drivers in New Jersey is $1,879 per year, or $157 per month. The state average for this age group is $3,051 per year, or $254 per month.
- More NJM auto rates by age
Age NJM median rate National median rate 20 $3,839 $4,684 30 $2,279 $2,375 35 $2,189 $2,300 40 $2,149 $2,232 50 $2,015 $2,074 60 $1,879 $1,988 70 $1,920 $2,125
NJM auto insurance rates by driver profile
Insurance companies also care about things like your driving and credit history. They use this information to predict how likely you are to file a claim. So if you have a recent DUI, you’ll almost always pay more than drivers with a clean record or even a speeding ticket.
Here are NJM's average full coverage rates for 35-year-old New Jersey drivers with different personal histories:
Poor credit. The average cost of NJM car insurance for New Jersey drivers with poor credit is $3,717 per year, or $310 per month. That's compared with the state average for drivers with poor credit, which is $7,050 per year, or $588 per month. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of NJM car insurance for New Jersey drivers with a speeding ticket is $2,868 per year, or $239 per month. That's compared to the state average for this type of driver, which is $5,055 per year, or $421 per month.
At-fault crash. The average cost of NJM car insurance for New Jersey drivers with an at-fault crash is $2,374 per year, or $198 per month. That's compared to the state average for these drivers, which is $5,462 per year, or $455 per month.
DUI. The average cost of NJM car insurance for New Jersey drivers with a DUI is $2,868 per year, or $239 per month. That's compared to the state average for these drivers, which is $6,592 per year, or $549 per month.
NJM auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Insuring more than one vehicle.
Buying multiple insurance policies from NJM.
Paying your premium in full, upfront
Receiving documents electronically.
Enrolling in an automatic payment plan.
Paying your premium electronically.
Buying both collision and comprehensive coverage.
Owning a vehicle with safety features like anti-lock brakes, passive restraints and anti-theft devices.
Driving a car that’s no more than two model years old.
Maintaining good grades if you’re a student or have one on your policy.
Taking a driver training or young driver training course (in Connecticut, Maryland, New Jersey and Pennsylvania).
Taking a defensive driving class (in New Jersey).
Taking an approved accident prevention course if you’re over a certain age (in Connecticut, Maryland, Ohio and Pennsylvania).
Participating in NJM's SafeDrive telematics program.
NJM dividend-paying policies
New Jersey drivers are eligible to receive dividends from NJM. The dividends are a percentage of what you paid on your previous policy. They generally come in the form of a credit that’s applied to the following year’s premium. In some cases, the dividends are paid by check.
If you’re looking for the cheapest auto insurance rates possible, you may want the minimum car insurance needed to drive in your state. However, be aware that this can leave you without enough coverage after an accident. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
NJM car insurance coverage
NJM's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Drivers in some states may be able to add optional types of coverage to their policy, such as:
Gap insurance, which will pay off a totaled vehicle if you owe more than its current value.
Limited pet coverage, which covers some vet bills if your pet is hurt in a covered claim.
New car replacement, which replaces a new vehicle with an even newer one if yours is totaled in a covered claim.
Rideshare coverage, which insures drivers during times when rideshare company policies don’t apply.
Roadside assistance, which gets you help if you break down.
Trailer and camper body coverage, which covers a trailer you’re towing as well as property stored inside it.
Transportation expense, which reimburses you for money you spend on rental cars, rideshare services and taxis while your car is in the shop after a covered claim.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
NJM’s SafeDrive program
NJM SafeDrive is a usage-based program that uses a smartphone app to track your acceleration, braking, cornering, distracted driving and speed. It’s voluntary, and you get a discount for participating. Plus, your rates won’t go up based on your participation in SafeDrive, even if you get in an accident.
Is NJM a good insurance company?
NJM tends to score well above average when it comes to customer satisfaction and complaints scores.
Complaints: State regulators received far fewer than the expected number of complaints about NJM auto insurance, according to three years of data from the National Association of Insurance Commissioners (NAIC).
Claims satisfaction: NJM was ranked No. 2 out of 20 companies in J.D. Power's 2025 Auto Insurance Claims Satisfaction Study. This survey measures how customers feel about an insurer's claims process.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about NJM car insurance
Customer service: Call 800-232-6600 to get a quote or manage your policy.
Website: NJM’s website is user-friendly and easy to navigate. Policyholders can log in to see policy information, make payments, report a claims and more. You can also file claims or pay bills without logging in.
Mobile app: The NJM SafeDrive GO app monitors your acceleration, speed, braking, cornering and distracted driving as part of an optional discount program. A “leaderboard” lets you see how your scores compare to others’.
Tech-savvy customers might be disappointed that this is NJM’s only mobile app, with no way to manage your policy or make payments.
Other NJM insurance reviews
Learn about NJM homeowners insurance and how it compares to other options.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I get a quote from NJM?
How do I get a quote from NJM?
You can get a quote online or by calling 800-232-6600.
How do I file a claim with NJM?
How do I file a claim with NJM?
You can file a claim online or by calling 800-367-6564.
Does NJM insurance cover rental cars?
Does NJM insurance cover rental cars?
NJM offers a variety of reimbursement options if your car is being repaired after a covered claim and you need to rent a vehicle. Coverage ranges from $20 to $100 a day, up to a $4,000 total maximum.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
