Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 22, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
President: Mitchel A. Livingston
Address: 301 Sullivan, Way
City: West Trenton
State: NJ
ZIP Code: 08628
Phone Number: 883-1300
Toll Free: (800) 232-6600
Year Founded: 1913
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

NJM Insurance Group provides NJ Manufacturers auto insurance.

NJM Insurance Group is a company with a more than 100-year history. Founded as New Jersey Manufacturers Casualty Insurance Company during the Woodrow Wilson administration, the company initially offered workers’ compensation for New Jersey laborers.

New Jersey Manufacturers auto insurance is now available in four states besides New Jersey: Connecticut, Maryland, Ohio, and Pennsylvania. Ohio and Maryland were recently added in 2021.

NJM auto insurance has a relatively small market share but high customer and financial rankings. It is also highly affordable in comparison to larger auto insurance companies. Additionally, NJM is transparent about its claims process.

Read on to know more about affordable NJ Manufacturers auto insurance. And to see rates from top auto insurance companies in your area, enter your ZIP code into our free quote tool above.

Which types of insurance does NJM offer?

In addition to personal auto insurance, NJ Manufacturers offers this type of insurance for its customers:

The company also offers several business insurance products, including commercial auto, general liability, and umbrella insurance.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Which types of coverage does NJ Manufacturers auto insurance offer?

NJ Manufacturers auto insurance offers five basic coverages to customers:

  • Liability auto insurance
  • Collision auto insurance
  • Comprehensive auto insurance
  • Medical expenses insurance
  • Underinsured and uninsured motorist auto insurance

NJM’s underinsured and uninsured motorist insurance is subject to state laws (namely, regarding your right to sue).

The company also offers personal injury protection, but only in New Jersey.

Additionally, NJM includes endorsements that you can add to your policy:

  • Roadside assistance
  • GAP insurance
  • Transportation expenses
  • Trailer/camper body coverage
  • A rideshare driver endorsement

If you need extra liability protection, NJM suggests purchasing an umbrella policy. This option is available at a nominal cost to customers with a $500,000-limit auto insurance policy.

How much does NJ Manufacturers’ auto insurance cost?

Let’s compare NJ Manufacturers’ auto insurance rates to top companies.

NJ Manufacturers Auto Insurance Company Rates Comparison

CompanyAverage Annual Rates for Minimum CoverageAverage Annual Rates for Full Coverage
New Jersey Manufacturers$569.44$1,189.75
Allstate$945.89$1,976.24
American Family$699.51$1,461.50
Amica Mutual$613.40$1,281.60
Erie$588.70$1,230
Farmers$654.09$1,366.60
GEICO$620.01$1,295.40
The Hartford$597.24$1,247.83
Liberty Mutual$687.48$1,436.37
Mercury Insurance$572.912$1,197
Nationwide$907.79$1,896.67
Progressive$845.07$1,765.62
Safeco$568,60$1,188
State Farm$615.46$1,285.90
USAA$613.99$1,282.83
Get Your Rates Quote Now

Compare RatesStart Now →

NJM offers competitive rates, and you can save even more with NJ Manufacturers’ auto insurance discounts.

What types of discounts can you get with NJ Manufacturers’ auto insurance?

NJ Manufacturers offer up to 12 auto insurance discounts to customers.

NJ Manufacturers Auto Insurance Discounts

DiscountHow to Earn the Discount
Defensive DrivingAttend a classroom or online New Jersey Vehicle Commission-approved defensive driving course Only available in New Jersey.
Driver Training DiscountPresent documentation for attending the course. Not available in Ohio.
Electronic PaymentEnroll in the automatic payment plan on NJM’s website.
Full CoverageInclude collision and comprehensive coverage in your policy.
Good Student DiscountInclude a high school or college student who made the honor roll or the Dean’s list. Alternatively, the student can earn a B or 3.0 grade point average.
Home and Auto BundleAdd NJ Manufacturers auto insurance to your policy if you already have homeowners, condo, or renters insurance with the company.
Mature DriverYou must be at least 55 or 60 years old and take an approved defensive driving course.
Multi-Vehicle DiscountIf you have two or more vehicles insured with NJM, the company will apply a discount to each vehicle.
New CarYou can receive this discount if your car is two years old or younger.
Paid in FullPay in full each renewal period instead of monthly in installments.
Paperless DiscountChoose electronic billing. This is not available in New Jersey.
Vehicle Safety Equipment DiscountYour vehicle must have an anti-theft or vehicle recovery device, anti-lock brakes, or passive restraints. You might get a discount for each if your vehicle has multiple features.
Get Your Rates Quote Now

Compare RatesStart Now →

Connecticut has separate qualifications for the Driver Training Discount. Connecticut, Maryland, Ohio, and Pennsylvania each have specific stipulations for the Mature Driver discount.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

How good are NJ Manufacturers’ auto insurance industry ratings?

NJM Insurance Group has high customer service and financial ratings.

  • New Jersey Manufacturers enjoys an A+ (Superior) A.M. Best rating.
  • For the J.D. Power 2021 United States Auto Insurance Study, NJM Insurance Group scored 867 out of 1,000 points to lead the Mid-Atlantic region.
  • NJM had only seven complaints, six of which were for its personal auto insurance, for the National Association of Insurance Commissioners customer complaint index. NJM’s index was only 0.19, well below the average.

We should note that while NJM did not place in J.D. Power’s auto insurance claims survey this year, the company earned 909 points in the 2020 survey, easily topping other companies.

Part of NJ Manufacturer’s success is its claims process, which we will discuss next.

What can you expect from the New Jersey Manufacturers insurance company claims process?

If you need to report an auto insurance claim with NJ Manufacturers, follow these steps:

  • Take photos of the damage. Also, take the name of the other driver, if necessary.
  • File a police report if necessary and obtain a copy of it.
  • Collect other documents and report the incident to NJM as soon as possible.

You can expect the NJ Manufacturers claims process to proceed like this:

  • NJM assigns a claims adjuster to take the case.
  • The claims adjuster may inspect your car.
  • The auto insurance company will ask you for documentation of the incident.
  • NJM will then investigate the incident. The company will try to obtain a copy of the police report and any video footage as part of the investigation.
  • Your assigned claims adjuster will discuss the results of their investigation and go over the next steps in the claims process.

When you talk to an NJM representative, you will need to provide the following information:

  • Your policy number if you are an NJM policyholder.
  • Your details. That includes your contact information and relationship to an NJM policyholder if you file the claim for them.
  • Details about the accident. Include the date and time, where the incident occurred, and a description of the accident and damage.
  • Documentation. That includes photographs. Also, NJM suggests that you send in a copy of the police report (where applicable) because it is easier for involved individuals to receive the police report.

New Jersey Manufacturers’ claims center is available 24 hours a day, seven days a week. You can call at 1-800-367-6564 or report a claim online with your New Jersey Manufacturers login. You can access both from the NJ Manufacturers insurance home page.

Should you buy NJ Manufacturers auto insurance?

Since NJ Manufacturers auto insurance is currently available in only five states, it might not be an option for you. However, if you live in New Jersey, Ohio, Maryland, Pennsylvania, or Connecticut, you would be working with a highly-regarded company that offers affordable auto insurance.

If you want to switch your auto insurance, it helps to get NJ Manufacturers auto insurance quotes and compare them to rates from other companies. You get direct NJM quotes by calling its toll-free number at 1-800-232-6600.

We hope that this NJ Manufacturers auto insurance review was helpful. And if you need to see rates from top companies to help shop for the right auto insurance, enter your ZIP code into our free quote tool below.

NJM (NJ Manufacturers) Auto Insurance Review [2022] Additional Information

NJM (NJ Manufacturers) Auto Insurance Review [2022] is a company that was incorporated in 1913. NJM (NJ Manufacturers) Auto Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.

The president of NJM (NJ Manufacturers) Auto Insurance Review [2022] is Mitchel A. Livingston, the treasurer is , and the secretary is . NJM (NJ Manufacturers) Auto Insurance Review [2022] insurance plans include
.

NJM (NJ Manufacturers) Auto Insurance Review [2022] is located in West Trenton, NJ and the phone number for NJM (NJ Manufacturers) Auto Insurance Review [2022] claims, customer, service, and additional information is 883-1300.

NJM (NJ Manufacturers) Auto Insurance Review [2022] Insurance Quotes

If you already have NJM (NJ Manufacturers) Auto Insurance Review [2022] insurance quotes then be sure that you compare your quoted NJM (NJ Manufacturers) Auto Insurance Review [2022] insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!