NJM insurance at a glance
If you drive in the Mid-Atlantic and keep hearing good things about NJM insurance, you probably want the facts before you switch. NJM is a member-owned insurer with a strong reputation for service and claims, and it sells directly to customers instead of through outside agents. This guide breaks down what NJM insurance covers, where it operates, how strong it is financially, and the numbers to call for service or a claim.
Key facts at a glance
| Detail | Information |
|---|---|
| Founded | 1913 |
| HQ | West Trenton, New Jersey |
| Products | Auto, home, renters, condo, umbrella, plus business |
| States | Personal lines direct in CT, MD, NJ, OH, PA |
| AM Best | A+ (Superior) |
| Contact | Service 800-232-6600; Claims 800-367-6564 |
Rates and terms vary by state, coverage, and your personal profile, so treat this as a starting point rather than a quote.
What is NJM insurance?
NJM insurance, formally New Jersey Manufacturers Insurance Company, was founded in 1913 and is based in West Trenton, New Jersey. It is a mutual company, which means it is owned by its policyholders rather than outside shareholders.
Unlike many carriers, NJM sells personal policies directly to consumers. There is no outside agent adding a commission, and the company has built its name on customer satisfaction and smooth claims. That direct model is a big part of its appeal.
What NJM insurance covers
NJM offers a well-rounded personal lineup. It writes auto, homeowners, renters, condo, and umbrella policies, plus specialty coverage such as watercraft, motorcycle, and ATV insurance in several states.
For businesses, NJM provides commercial coverage, including workers' compensation, and it works with a preferred network of independent agents to place those business policies. So while personal lines go direct, business lines can involve an agent.
Where NJM insurance is available
NJM sells personal policies directly to consumers in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. Some specialty products, such as renters, condo, umbrella, watercraft, motorcycle, and ATV coverage, are available across those states as well. On the business side, NJM delivers commercial insurance through independent agents in Connecticut, Delaware, Maryland, New Jersey, New York, and Pennsylvania.
What NJM insurance might cost
NJM is often praised for competitive pricing, in part because it skips outside agent commissions on personal lines. Still, it does not advertise one flat rate. Your price depends on your state, coverage limits, vehicle or home details, driving record, your credit-based insurance score in states that use it, and available discounts. Rates and terms vary, so the number that counts is the one on your own quote. Because NJM sells direct, you can request that quote yourself online or by phone.
NJM insurance pros and cons
Pros
- An A+ (Superior) AM Best rating, among the strongest financial marks
- Recognized by J.D. Power for auto claims satisfaction
- Direct-to-consumer model with no outside agent commission on personal lines
- Member-owned mutual structure focused on policyholders
Cons
- Personal lines are limited to five states
- No nationwide agent network for in-person personal service
- Membership and eligibility rules can apply
Compare before you commit
Even a well-rated insurer like NJM is worth checking against the wider market — and against strong names like Erie Insurance, Chubb Insurance, CSAA Insurance, and Kemper Insurance — especially if you live near a state line. Insurify compares quotes from more than 120 providers in one place and can help drivers save up to 50%. If you want a quick sense of where NJM lands on price, that is a smart first move. Start a comparison at Insurify.
Insurify
Insurify
Finding the best insurance shouldn't feel overwhelming. Insurify compares personalized quotes from 120+ top-rated providers in minutes — so you can save up to 50% on auto, home, renters, and pet insurance without the hassle.
Standout feature
Compare 120+ insurance carriers instantly. Save up to 50% on premiums.
Fees
Free
Pros
Compares 120+ carriers in real-time. Save up to 50% on premiums. BBB A+ rated.
Cons
Some users report unwanted communications from third-party providers.
Who NJM insurance is best for
NJM tends to fit Mid-Atlantic drivers and homeowners who want strong claims service, competitive direct pricing, and a company owned by its members. If you live in one of its five personal-lines states and like the idea of skipping an agent, it is worth a quote.
It is a weaker match if you live outside those states, want in-person agent help for personal policies from a carrier like Auto-Owners Insurance, or need a coverage type NJM does not write in your area.
A digital alternative to weigh
If you want a fully app-based experience, Lemonade is an AI-driven insurer that sells renters, home, pet, life, and car coverage with a quick online signup. It is a useful contrast to NJM if you value instant self-service and want an option that reaches beyond the Mid-Atlantic. See how it works at Lemonade.
Lemonade
Lemonade
Insurance that's fast, affordable, and actually feels good. Lemonade uses AI to process claims in seconds and donates leftover premiums to causes you care about. Get renters, home, pet, life, or car insurance — all from one app.
Standout feature
AI claims in seconds. Giveback program donates unused premiums. 2.9M+ customers.
Fees
Varies by policy (renters insurance from ~$5/mo)
Pros
Lightning-fast AI claims processing. Social impact through Giveback program. Beautiful, easy-to-use app (4.9★ App Store).
Cons
Limited home insurance availability (28 states + DC only).
How to reach NJM insurance
Keep these numbers close. For general customer service, call 800-232-6600, which is staffed 7 a.m. to 9 p.m. Monday through Friday and 8:30 a.m. to 4:30 p.m. on Saturday. To report an auto, home, or other claim, call 800-367-6564; that claims line accepts reports 24 hours a day, seven days a week. For workers' compensation claims, call 800-435-7656, open 8 a.m. to 5 p.m. Monday through Friday. NJM is located at 301 Sullivan Way, West Trenton, New Jersey.
What customers commonly report
NJM often earns praise for responsive claims handling and fair pricing, which lines up with its J.D. Power recognition for auto claims. Some customers note that eligibility and the direct-only model take getting used to, and a few wish coverage reached more states. Experiences vary by situation, so it is wise to get your own quote and review current feedback for your state before switching.
Frequently Asked Questions
Is NJM insurance a good company?
NJM holds an A+ (Superior) rating from AM Best, one of the higher marks for financial strength, and it has been recognized by J.D. Power for auto claims satisfaction. It has operated since 1913 as a member-owned mutual. For eligible drivers in its states, it is often a strong value.
What is NJM insurance's claims phone number?
To report an auto, home, or other claim, call 800-367-6564. That line takes claims 24 hours a day, seven days a week. Workers' compensation claims use a separate number, 800-435-7656, during business hours.
What states does NJM insurance cover?
NJM sells personal policies directly in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. Its business insurance is available through independent agents in Connecticut, Delaware, Maryland, New Jersey, New York, and Pennsylvania. Product availability can vary by state.
Does NJM insurance use agents?
For personal policies, NJM sells directly to consumers with no outside agent, which helps keep costs down. For business insurance, it works with a preferred network of independent agents. So the answer depends on which type of policy you need.
