If you live in the Mid-Atlantic or Midwest regions, you have likely heard drivers rave about NJM (New Jersey Manufacturers Insurance Group). Known for exceptional customer service, top-tier J.D. Power claims satisfaction rankings, and competitive premiums, NJM stands out as one of the regional insurance market's top carriers.
Whether you are looking to switch providers or shopping for coverage on a new vehicle, here is everything you need to know about getting an NJM car insurance quote and unlocking maximum savings.
Where Is NJM Car Insurance Available?
Founded over a century ago, NJM originally served policyholders exclusively in New Jersey. Today, NJM offers personal auto insurance across five states:
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New Jersey
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Pennsylvania
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Connecticut
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Maryland
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Ohio
What Coverages Does an NJM Auto Quote Include?
When getting a quote online or by phone, you can customize your protection with standard liability limits and optional high-value add-ons:
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Liability Coverage (Bodily Injury & Property Damage): Covers legal fees, medical costs, and property damage to others if you cause an accident.
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Collision & Comprehensive Coverage: Protects your vehicle against crash damage, theft, vandalism, fire, glass damage, or collisions with animals.
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Uninsured/Underinsured Motorist Protection: Pays for bodily injury or vehicle damage if an uninsured or hit-and-run driver strikes your vehicle.
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Personal Injury Protection (PIP) / Medical Payments: Covers medical expenses for you and your passengers after a crash, regardless of fault.
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Included Policy Perks: NJM policies carrying comprehensive and collision coverage automatically include Limited Pet Coverage, New Car Replacement, and Limited Vehicle Customization Coverage.
Top NJM Auto Insurance Discounts to Lower Your Quote
NJM is widely known for affordable rates, but stacking available discounts can lower your premium even further:
| Discount Type | Requirements | Availability |
| Home & Auto Bundle | Combine auto insurance with NJM homeowners, condo, or renters coverage. | All NJM States |
| Multi-Vehicle | Insure two or more cars under the same household policy. | All NJM States |
| Defensive Driving | Complete an approved accident prevention or defensive driving course. | NJ, CT, MD, OH, PA |
| Good Student | Maintain a "B" average (3.0 GPA) or make the honor roll/dean's list. | All NJM States |
| New Car | Drive a vehicle that is two model years old or newer. | All NJM States |
| Payment Options | Pay in full, enroll in auto-pay, or select paperless digital delivery. | All NJM States |
| Vehicle Safety Equipment | Equipping anti-theft tracking, anti-lock brakes (ABS), or passive restraints. | All NJM States |
How to Get an NJM Car Insurance Quote in 3 Easy Steps
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Gather Necessary Info: Have your driver’s license number, current vehicle VIN(s), and annual estimated mileage ready.
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Request an Online Quote: Visit NJM's official quote tool to input household details and select coverage limits.
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Review & Bind Your Policy: Compare deductibles, verify discount eligibility, select your payment schedule, and download instant proof of insurance.
Frequently Asked Questions
Why is NJM car insurance so highly rated?
NJM consistently earns top customer satisfaction ratings from J.D. Power and holds an A+ (Superior) financial strength rating from AM Best due to fast claims processing and high policyholder retention.
Does getting an NJM quote affect my credit score?
No. Auto insurance companies use a soft credit check during quotes, which leaves no impact on your official credit score.
Can I buy an NJM policy if I live outside their 5-state region?
Currently, NJM personal auto policies are strictly available to residents living in CT, MD, NJ, OH, and PA.
