NJM Auto Insurance Review: Great Service and Bonuses for Full Coverage

This auto insurer is a good fit for: Drivers seeking full coverage and excellent customer service

NJM car insurance snapshot

Pricing

NJM's pricing is pretty competitive, especially for young drivers. Rates typically fall below the national average, particularly for drivers who qualify for several discounts.

Discounts

NJM offers a competitive selection of car insurance discounts, including a few that drivers won't find elsewhere. Its full coverage discount, for example, is available to anyone who adds collision and comprehensive coverage to their policy.

Perks

NJM's auto insurance policies are pretty easy to customize, thanks to its long list of endorsements. There are also some bonus protections drivers can score just by adding collision and comprehensive coverage to their policies.

Customer service

The company has fared well in customer satisfaction surveys. It's also received relatively few complaints compared to other insurers of its size.

NJM auto insurance at a glance

Monthly premium costs:

• 35-year-old female with clean driving record: $1,962
• 35-year-old male with clean driving record: $1,952
• 35-year-old female with one accident: $1,962
• 18-year-old male with clean driving record: $3,922

Coverage options:

• Bodily injury liability
• Property damage liability
• Uninsured motorist
• Underinsured motorist
• Personal injury protection (PIP)
• Collision
• Comprehensive
• Limited pet coverage
• Transportation expenses
• New car replacement
• Gap insurance
• Roadside assistance
• Trailer/camper body coverage
• Ridesharing endorsement

Top perks

Excellent customer service

NJM has received above-average ratings in J.D. Power's most recent U.S. Auto Insurance Study for the Mid-Atlantic region. It also has a low complaint ratio with the National Association of Insurance Commissioners (NAIC). This suggests that it receives fewer customer complaints than other insurers of a similar size.

Customizable policies

NJM offers a long list of endorsements in addition to its standard coverage options. Some of these endorsements, like ridesharing and trailer/camper body coverage, aren't available with many major insurers. There's also gap insurance, which can help drivers pay off the cost of their lease or loan if their car is totaled in an accident.

Bonuses for full coverage

Like most insurers, NJM offers collision and comprehensive coverage to help policyholders protect their own vehicles. But it goes beyond this by offering special benefits to those who purchase these optional protections. Drivers who add both receive limited pet injury coverage, transportation expenses, and new car replacement at no additional cost. There's also a full coverage discount for drivers with collision and comprehensive coverage.

What could be improved

Limited availability

The biggest thing holding NJM back is its service area, which currently covers only Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. Drivers who live in one of these states will definitely want to give the company a closer look, but those who live elsewhere will have to explore other insurers.

When looking for widespread availability and great customer service: State Farm offers auto insurance in all 50 states and is known for its excellent customer service. It doesn't have as many discounts, but its policies are often competitive, especially for drivers with prior accidents on their record.

When looking for affordable coverage and plentiful discounts: Geico is one of the most affordable auto insurers around, and it offers coverage in every state. It has a long list of discounts, many of which are easy to apply for, but its customer satisfaction ratings aren't as strong as NJM's.

NJM's auto insurance rates are pretty competitive compared to other top insurers, especially for younger drivers. Drivers who qualify for some of the company's many discounts may be able to shave even more off their rates. Here's a look at what it charges drivers with clean records, drivers with prior accidents, and teen drivers on average.

NJM offers a competitive array of car insurance discounts, including a rare discount for full coverage. This could be the incentive drivers need to seek out these optional, yet valuable, protections. There are also several easy-to-achieve discounts, like electronic payment and paperless discounts, that most drivers can qualify for.

• Defensive driving (NJ only)
• Driver training (CT, MD, NJ, and PA only)
• Electronic payment
• Full coverage
• Good student
• Home and auto bundle
• Mature driver
• Multi-vehicle
• New car
• Paid in full
• Paperless
• Vehicle safety equipment

Policy types

• Auto
• Classic and collector car
• Motorcycle
• ATV
• Boat
• Personal watercraft

NJM is a great choice for those interested in insuring more than one vehicle. In addition to its standard auto insurance, it offers coverage for classic vehicles, motorcycles, ATVs, boats, and more. This puts it on par with many of the top nationwide insurers.

Coverage types

• Bodily injury liability
• Property damage liability
• Uninsured motorist
• Underinsured motorist
• Personal injury protection (PIP)
• Collision
• Comprehensive
• Limited pet coverage
• Transportation expenses
• New car replacement
• Gap insurance
• Roadside assistance
• Trailer/camper body coverage
• Ridesharing endorsement

NJM has more auto insurance endorsements than many of its competitors, including some rare options like trailer/camper body coverage. There are also some coverage options drivers can get for free, like limited pet coverage and new car replacement, just by adding collision and comprehensive coverage to their policy.

NJM has earned an above-average rating in J.D. Power's most recent U.S. Auto Insurance Study for the Mid-Atlantic region -- the only one it was featured in. Only three other companies in the region earned this honor.

In addition, NJM has a 0.15 complaint ratio from the NAIC. A rating of 1 is considered average. Anything below this indicates a company with relatively few complaints compared to other insurers of its size while anything higher indicates a company that sees more complaints than average.

NJM auto insurance could be a fit for:

• Residents of Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania looking for a competitive rate
• Drivers interested in full coverage for their vehicles
• Those who put a premium on great customer service