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NJM Auto Insurance

NJM Auto Insurance
Overall Satisfaction Rating 3.20/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 50 ratings

This company is not yet accredited. See reviews below to learn more or submit your own review.

NJM Auto Insurance provides home, business and auto insurance to clients in New Jersey.


NJM provides auto insurance to customers in New Jersey and Pennsylvania. Along with a selection of car insurance coverages and discounts, it pays dividends to its policyholders at an average of 5 percent of the yearly premium each year. It receives positive reviews for its high customer satisfaction with claims processing.


  • Online policy management
  • Competitive rates
  • Strong financial stability
  • Local agents greatly familiar with local driving laws
  • Exceptional customer experience on auto claims


  • No coverage on mechanical breakdown, personal property and pet injury
  • Coverage limited to New Jersey and Pennsylvania residents

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NJM Auto Insurance Reviews

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Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer
Original review: Aug. 3, 2020

Although this company is not open to the general public. It is open to mostly state and Municipal workers. You need a clean driving record for 3 years before they will consider your application. It has great rates, great discounts and pays well if you get into an accident. Also, unlike other companies it will only use genuine parts on your vehicle if you get into an accident.

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Rated with 5 stars
Verified Reviewer
Original review: July 24, 2020

NJM pays claims quickly. They do not raise rates for moving violations or accidents. Discount if you buy home insurance too. They provide a full line of insurance services like umbrella policies at reasonably rates. I have been with this company for all my insurance needs since 1988 when my previous insurance company tried to gauge me for something that was not my fault. I Highly recommend NJM.

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    Rated with 5 stars
    Verified Reviewer
    Original review: July 23, 2020

    I've had NJM for over 40 years. They always send a rebate check if you do not have an accident. I have received a check for over 40 years. Good customer service but not great. I Had an issue in the past - car break in and I thought they could have been better at paying me for a loss in a timely manner. They did when pressed. All in all NJM has been a great company to all my friends family and co- workers in PD and FD.

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    Rated with 1 star
    Verified Reviewer
    Original review: March 15, 2020

    I have been with NJ Manufacturers for 6 years. Always paid on time, no tickets for 17 years, I get in one accident that wasn't even my fault and the claims adjuster didn't even fight for me. Like why am I giving your company business if your not going to protect me. The other driver had road rage and I got a ticket because he slammed on his brakes on a ramp getting off the parkway and I hit him from behind. He said he yielded to traffic and the ramp went into its own lane. The cop believed him his excuse for stopping. But he didn't tell the cop how he got out of his car while I was on the phone with 9-1-1 and said, "you want to give me the ** finger, well now ** you."

    The court granted me a probable cause ticket against him because they at least saw road rage, the insurance, all the said was, the police report has to be amended. I get it amended and they still said it's my fault and that they do not do accident forgiveness. After all these years of being a customer and giving them my money, they should be ashamed of how Aja is handling claims. This accident would have never happened if he didn't dead stop on a ramp to a sign that was never there. I'm pissed and switching immediately.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 23, 2019

    NJM is the worst - maximize profit at the cost of their own subscribers and morality. A vehicle recently hit my new car from behind. I have dash cam footage of the incident. It shows the offending car without any turn signal, in one of the 2 turn lanes. I take the turn and complete it from within my clearly marked lane, then they ram into me. NJM insures the at fault driver, and they claimed I was at fault because I turned into the lane of the at fault driver, but this is because he hit me and caused me to swerve! The audio in the dash cam clearly shows this. Geico has been great, taking them to arbitration and even giving me half my deductible up front regardless of what the arbitrator decides, and when they win I get the other half.

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    Rated with 1 star
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    Verified Reviewer
    Original review: Nov. 22, 2019

    KAREN ** EXTENSION ** is trying to take advantage of a mentally disabled woman!!! She is rude and inconsiderate of people with disabilities and someone trying to help them. She is not a trustworthy person and how she can work fro NJM is horrible. They should really look into who they hire. She gives bad information and won't admit her fault. Now she is acting as a collection agent. Maybe that's where she should work for a bill collector. Then she will fit right in.

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    Rated with 1 star
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    Verified Reviewer
    Original review: Oct. 14, 2019

    NJM Insurance literally kicked me off of my auto insurance policy without notice and told me I am not able to reinstate or open a new policy with them for 3 years! Here's what happened: I bought a new car in January (2019) after my very first car was totaled while parked (some people shouldn't be allowed outside when it snows). I was shopping around for insurance and went with NJM because it was referred to me by my car dealer (thank you Danis Auto). The very first conversation I had, was with a nice lady who helped me open my policy right away so that I can get on the road and start driving. My quote was $203 a month for full tort, and all the bells and whistles.

    4 months went by and I was tired of calling each time to make payments over the phone and so I asked them if they had an app that I can download to make payments online and they said no, I would have to go to their website from my computer to make payments (It's 2019 people, why don't you have an app for convenience?). I then asked them about an auto-pay option and was told I'd have to go to the website to set that up as well because they can't do that over the phone. (But you can take normal payments over the phone???).

    So, I continued calling each month to make my payments until July. In July, I called them and this time asked if they'd be able to do the auto-pay set up for me because I couldn't figure it out online (they don't have the most user-friendly website). I was then told by the insurance rep that they can just use my account number and routing number and all should be good. I provided her with all of my information and trusted I was now enrolled in auto-pay.

    Now, it's October (and maybe this is somewhat my fault) I look into my bank statements and notice the last payment from NJM was made in July. So, now I'm confused. I called these folks and apologized for the inconvenience of missing the fact that no payments have been posted since July but I thought I was enrolled in auto-pay. They CLAIMED to have sent letters to me stating my insurance payment was overdue and that they were going to cancel my policy as of September 25, 2019. I swear, I NEVER received a letter, a call, a text, nor an email about any late or missed payments.

    I was also told by a rep that "THEY WILL NOT CALL OR EMAIL YOU". I told them about the whole auto-pay mix up offered to pay whatever was owed plus this month and they said no. To put the icing on the cake I CANNOT OPEN A NEW POLICY FOR UP TO 3 YEARS! Now after 10 minutes of trying to smooth things over, (though they could've done a better job at informing me of these issues) I sucked it up and said okay and thank you for your time.

    I spent the next hour shopping around for quotes and the prices were TRIPLE what I was paying at NJM because of this whole lapsed insurance thing (YUP, THEY SENT A LETTER TO THE STATE AS WELL AND EVERY INSURANCE COMPANY SEES I DEFAULTED ON PAYMENTS) and so I'm screwed into paying $600 a month for a used 2015 MAZDA 3. I tried to call NJM back to speak with higher-ups who may have some sympathy and can help me out and literally NO ONE at NJM was willing to help me. I even asked if they could write another letter to the state about this whole mix up just so I can get insurance elsewhere at a decent rate. They still said it's nothing they can do. If you're looking for a company that REALLY "has your back" NJM IS NOT IT!

    15 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Sept. 9, 2019

    No one in the US is close. Auto, home insurance. Hours to call as needed. Claims are processed fast and efficiency, honestly and more than fair. Price, transparency, service. Ease of changes. Exceeds expectations in all regards.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 26, 2019

    Had NJM for 40 years, easy to deal with, no hassle claim submitting, very knowledgeable staff. They are are a little higher in rates than other insurance companies but the great customer service makes up for that.

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    Rated with 4 stars
    Verified Reviewer
    Original review: Aug. 23, 2019

    I have been with NJM Auto since I was 17 years old... a loyal Auto policyholder for the past 45 years! And when I bought my first home in 1981, they have been my homeowner's insurer as well. Why all of these years when so many times I've had opportunities to switch?

    1. They are always prompt and professional when handling my claims.
    2. They are always fair in dealing with my loss.

    3. Their prices are competitive and the dividend back is a nice touch.

    What else should you expect from an insurance company beyond 1, 2, and 3 above? When I read the complaints on this site, I wish that the person(s) involved at NJM were able to respond, because what I've read does NOT sound like the company I have been dealing with for the past 45 years.

    4 people found this review helpful
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    NJM Auto Insurance author review by Matthew Brodsky

    The company has an A++ rating for financial strength from AM Best. This is the highest possible rating. The company writes insurance policies in New Jersey and Pennsylvania. Consumers can turn to the company to find coverage for personal vehicles, business fleets and motorcycles.

    • Coverage and plans: NJM’s coverage takes care of minimum state requirements. Additional coverage includes new car replacement, travel expense reimbursement and pet coverage.

    • Cost: A single, 30-year-old male pays, on average, about $1,300 a year for NJM auto insurance.

    • Discounts: NJM has discounts for bundling, multivehicle policies, relevant driving courses, paperless billing, safety features, purchasing both comprehensive and collision coverage and good grades.

    • Standout feature: NJM SafeDrive tracks driver behavior, including speed, distracted driving and braking. Drivers who use it are eligible for discounts.

    by Matthew Brodsky Insurance Contributing Editor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    NJM Auto Insurance Company Information

    Company Name:
    NJM Auto Insurance
    Year Founded:
    301 Sullivan Way PO Box 428
    West Trenton
    Postal Code:
    United States
    (800) 232-6600