New Jersey Manufacturers Auto Insurance Review

Inexpensive plans with many discounts available

Our editors independently research and recommend the best products and services. You can learn more about our independent review process and partners in our advertiser disclosure. We may receive commissions on purchases made from our chosen links.

New Jersey Manufacturers Insurance

New Jersey Manufacturers Insurance

overall rating
4.0

Our Take 

New Jersey Manufacturers Group offers liability, medical expenses, underinsured and uninsured motorist, collision, and comprehensive auto insurance coverage. Their unique discounts and their commitment to teen driving safety are commendable. However, they are only offered in a few select states, so you may have to look elsewhere for policies if you don’t live within their coverage areas. 

  • Pros & Cons
  • Key Takeaways
  • Specifications
Pros & Cons
Pros
  • High customer satisfaction ratings

  • Online quotes available

  • Unique discounts available

Cons
  • Only available in a few states

  • Roadside assistance costs additional

  • No online purchase option

Key Takeaways
  • New Jersey Manufacturers Group was founded in 1913. 
  • Coverage is only available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.
  • NJM offers 12 discounts, including a multi-vehicle and bundling of homeowners and auto insurance discounts. 
Specifications
  • Year Founded 1913
  • Types of Coverage Liability, comprehensive, collision, underinsured/uninsured, medical expenses, classic and collector car, motorcycle and ATV, boat and personal watercraft
  • Available Discounts 12
  • Purchasing Options By phone or through an agent
  • Customer Service 1-800-232-6600
  • Official Website https://www.njm.com/

Pros Explained

  • High customer satisfaction ratings: New Jersey Manufacturers Group has high customer satisfaction ratings, including being rated #1 in customer service by JD Power for the mid-Atlantic region. 
  • Online quotes available: NJM allows potential customers to obtain quotes online, giving them the option to see what coverage may cost them and more easily compare to competitors.
  • Unique discounts available: New Jersey Manufacturers offers several unique discounts, including a defensive driving, mature driver, and driver training discount. 

Cons Explained

  • Only available in a few select states: New Jersey Manufacturers Group only provides insurance in 5 states: Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.
  • Roadside assistance costs additional: Roadside assistance is available 24/7 for certain qualified incidents, but it will cost either $75 or $125 per emergency, and no deductible applies to the coverage. 
  • No online purchase option: Policies can only be purchased over the phone or through an agent. 

Introduction

New Jersey Manufacturers Group (NJM) offers eight types of auto insurance coverage, including liability, medical expenses, underinsured and uninsured motorist, collision, comprehensive, classic and collector car, motorcycle and ATV, and boat and personal watercraft insurance. They offer an online portal where you can make claims 24/7 and have roadside assistance coverage available to add to your policy. 

Company Overview

New Jersey Manufacturers Group (NJM) was founded in 1913 in West Trenton, Ewing Township, New Jersey. It was originally created to provide workers with workers’ compensation. Since then, its offerings have expanded to include auto, homeowners, condo, renters, and personal umbrella insurance. They only offer personal coverage in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.

NJM also offers business coverage, including commercial general liability, commercial excess and umbrella, and ProEdge Businessowners policy. These policies are only available in Delaware, Maryland, New Jersey, and Pennsylvania however.

Types of Coverage

NJM offers eight different types of insurance coverage, including: 

Liability Coverage

Liability coverage through NJM pays for damage to others accidentally caused by you as well as a lawyer if you are sued for damages. 

Medical Expenses

Depending on the state, medical expenses from an accident for you or anyone covered by your policy may be covered. 

Underinsured and Uninsured Motorist

This policy will compensate you if you’re injured in a car accident, and the other driver is underinsured or uninsured. In some states, this coverage may also apply to property damage.  

Collison 

Collision coverage is for damage to your vehicle due to impact with another vehicle or object. 

Comprehensive

Comprehensive insurance through NJM pays above your deductible if you have sustained damage not due to a collision with another vehicle or object. This could be theft, vandalism, flooding, fire, a broken windshield, or a collision with an animal.

Classic and Collector Car 

Offered through American Modern for classic or collector cars, this coverage is only available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. 

Motorcycle and ATV

Offered through American Modern, this coverage covers your motorcycle, ATV, or golf cart. This coverage is only available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. With motorcycle and ATV insurance, you may be eligible for homeowners and multi-bike discounts. 

Boat and Personal Watercraft 

Also offered through American Modern, this covers liability and physical damage insurance for watercraft.

Discounts

NJM has several discounts available to customers including: 

Defensive Driving (NJ only)

The defensive driving discount is available for those who take a defensive driving class or online course approved by the New Jersey Motor Vehicle Commission (MVC). Discount applies to liability, PIP, and collision premiums for up to three years.

Driver Training Discount (CT, MD, NJ, and PA only)

The driver training discount is available for those in driver training. You must log in to your account and provide the necessary eligibility paperwork.

Electronic Payment Discount

When you sign up for electronic payments, you will receive a discount.

Full Coverage

If you carry both collision and comprehensive insurance, you’ll receive a discount. 

Good Student Discount

If you’re a high school or college student who has made the honor roll or dean’s list or has a B average or 3.0 GPA or better, you may qualify for a discount. 

Home and Auto Bundle 

You can save on your policy if you add auto insurance to your homeowners, condo, or rental insurance.  

Mature Driver 

If you’re over a certain age and take a qualified course, you’re eligible for a discount. Documentation is required. 

Multi-vehicle Discount

If two or more vehicles are insured through NJM, you’ll receive a discount. 

New Car Discount

If your car is two model years or newer old, you’re eligible for a discount. 

Paid in Full Discount

If you pay your bill in full rather than monthly, you’ll receive a discount. 

Paperless Discount (CT, MD, OH, and PA only) 

Receive a discount for getting your documents electronically. 

Vehicle Safety Equipment Discount

If your vehicle has an anti-theft or vehicle recovery device, anti-lock brakes, or passive restraints, you’re eligible for a discount. 

Payment Options

NJM customers can pay for their policy in the following ways:

  • Online: Customers can log in to their dashboard to set up automatic bill pay and also make a one-time payment without logging in. 
  • Online bill pay service: Customers can choose NJM as the payee for their policy and have their bank pay their premium directly for them. 
  • By phone: By using the automated phone system, customers can pay their bills from their checking, savings, or credit/debit card. 
  • By mail: Customers can pay their bill through the mail by sending in a check with the policy number on it. 

Customers will receive a discount if they pay their bill in full versus paying monthly. 

Loss Ratio

The loss ratio of a company helps gauge whether a company is being measured fairly by its pricing. New Jersey Manufacturers Group has an average loss ratio of 64.94%. A company with a higher loss ratio of claims/premiums should have higher prices, which is not the case for NJM. Their median annual premium is $1,310, which is the seventh cheapest out of 25 companies we ranked. 

Other Features

New Jersey Manufacturers Group has several features that help them to stand out among the competition. For starters, online quotes are available, making it convenient for potential customers to compare NJM to other companies. They also offer gap insurance, which pays for some or all of the difference between the balance of a loan or lease on a vehicle and what NJM is willing to pay to replace the vehicle if it is considered a total loss.

NJM Roadside Assistance offers 24/7 service for a flat tire, dead battery, no fuel, or getting locked out of your car. They also have Transportation Expense Enrollment, where customers can purchase increased limits for rental reimbursement if the vehicle is in a covered loss. 

NJM’s roadside assistance feature is only available for vehicles with physical damage (comprehensive and collision) coverage.

NJM is also involved in keeping teens safe while driving. They offer a free driver safety program, called the Teen Driver Safety Program, available at no cost to schools in Connecticut, New Jersey, Ohio, and Pennsylvania. They also sponsor several safe driving initiatives, including the Just Drive Pledge, where teenagers pledge to avoid distractions and the U Got Brains Champion Schools program, in which schools compete for $10,000 to use towards school safety programs.

New Jersey Manufacturers Group offers 24/7 claims reporting through their online portal or by calling 1-800-367-6564. 

Customer Service

New Jersey Manufacturers Group has several ways to be in touch with their company. 

They have a customer service line that customers can call at 1-800-232-6600 Monday through Friday from 7:00 a.m. to 9:00 p.m. and Saturdays from 8:30 a.m. to 4:30 p.m. 

NJM also has an email contact form in which a representative will respond within two business days.

Customers can also mail auto insurance questions to: 

NJM Insurance Group

301 Sullivan Way

PO Box 428

West Trenton, NJ 08628-0227

Customer Satisfaction 

New Jersey Manufacturers Group has done an exceptional job of providing an overall positive customer service experience for its customers. They allow customers to make and manage their claims online 24/7, have high rankings from industry experts, and strong customer service reviews. 

Satisfaction Ratings

J.D. Power ranked New Jersey Manufacturers Group #1 for customer satisfaction among auto insurers in the mid-Atlantic region in 2021, and third-party review sites rank them highly as well.

Customers also want to know that their insurance company is financially sound and will be able to pay a claim if and when the time comes. New Jersey Manufacturers Group was given an A+ (Superior) rating by AM Best, which gives insurers a letter grade based on their financial strength. An A+ is only one step down from the highest ranking of A++. 

Complaint Index

The National Association of Insurance Commissioners (NAIC) compiles consumer complaints about insures and then compares this information to the industry average. The average complaint score is set at 1. New Jersey Manufacturers Group was given a rating of .081 by NAIC, meaning that it has less than the average amount of complaints against it. 

Account Management

NJM customers have an online dashboard to log into to make claims, view existing claim details, view and print their ID card, view policy documents, upload documents to their account, and pay bills.  

Customers can also call the customer service department if they prefer to speak to a representative. 

How New Jersey Manufacturers Group Compares to Other Auto Insurance Companies

New Jersey Manufacturers Group is known for its low premiums. They were ranked the cheapest provider out of 10 companies offering coverage in New Jersey. NJM’s average premiums were also in the five cheapest out of 25 companies ranked. 

NJM is only available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania however, making it less accessible than most competitors.  

Final Verdict

With their high customer satisfaction, low average prices, and unique discounts available, New Jersey Manufacturers Group is a great choice for those looking for competitively priced auto insurance coverage. 

NJM lets customers obtain quotes online and access their dashboard 24/7, including the ability to make claims. It has excellent financial strength and customer service reviews, further helping its case as a top competitor. The biggest drawback is that coverage is only offered in five states, but if you live in one of those, NJM could be one of the best options for affordable auto insurance.


Methodology 

All of our reviews of auto insurance companies are based on extensive research and analysis of each company’s coverage, customer service, pricing, years in business, accreditation, and more. To rate New Jersey Manufacturers Group and other providers, we developed an auto insurance review methodology that compares the auto insurance coverage types, additional features, discounts, account management, and reported customer experiences to help us provide insights into things like customer service and the strength of each company’s offerings.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. NJM. "Roadside Assistance." Accessed Nov. 24, 2021. 

  2. NJM. "Auto." Accessed Nov. 24, 2021. 

  3. NJM. "Discounts." Accessed Nov. 24, 2021. 

  4. NJM. "Make a Payment." Accessed Nov. 24, 2021. 

  5. NAIC. "NAIC Market Share Reports 2018-2020." Accessed Nov. 24, 2021.

  6. NJM. "About." Accessed Nov. 24, 2021. 

  7. NJM. "Fact Sheet." Accessed Nov. 24, 2021. 

  8. NAIC. "Consumer Insurance Search Results." Accessed Nov. 24, 2021. 

  9. NJM. "Access your policy online." Accessed Nov. 24, 2021.