NJM Auto Insurance Review: Great Service and Bonuses for Full Coverage
Review
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NJM Insurance offers flexible car insurance policies at affordable rates to most drivers. Its customer service is also highly rated, making it a top choice for those that live in one of the five states it serves. Check out our full NJM auto insurance review below to learn more.
NJM Insurance is a great car insurance provider for those who live in its service area. Its comprehensive policies and affordable rates are backed by top-notch customer service to deliver an all-around positive experience.
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 NJM charges drivers with clean records, drivers with prior accidents, and teen drivers on average.
| 35 yo, female, clean record | 35 yo, male, clean record | 35 yo, female, one accident | 18 yo, male, clean record |
|---|---|---|---|
| $165.50 | $165.83 | $165.50 | $331.50 |
NJM Insurance offers affordable car insurance rates to most drivers. Here's a closer look at how it stacks up to the national average for several common driver profiles.
| NJM Insurance Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $1,988 | $2,389 |
| Accident on Record | $1,986 | $3,370 |
| Speeding Ticket on Record | $2,461 | $3,032 |
| DUI on Record | $2,461 | $4,380 |
| 18 Years OId - New Driver | $3,978 | $6,291 |
| 65 Years Old - Senior | $1,637 | $2,140 |
| Military Service | $1,990 | $2,375 |
| Minimum Coverage (Liability Only) | $850 | $787 |
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.
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.
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 0.13 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 doesn't offer as many types of insurance as some of its larger competitors. But it covers all the basics that the average consumer would want. Homeowners and renters both have the option to bundle their coverage with their auto insurance, which could result in significant savings.
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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 auto insurance could be a fit for:
At Motley Fool Money, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
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