NJM Auto Insurance Review

NJM auto insurance

NJM auto insurance quotes

NJM offers very affordable car insurance. The average cost for a minimum-coverage policy from NJM is $833 per year, or $69 per month, the cheapest quote we found.

Full-coverage car insurance from NJM costs $1,731 per year, or $144 per month. That's 11% cheaper than average.

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Drivers who purchase comprehensive and collision coverages from NJM get

extra coverage perks

at no additional cost, making it an excellent choice for those shopping for a full-coverage policy.

Although State Farm has cheaper rates for full coverage, drivers may find these extra perks to be worth the additional $14 per month.


Minimum coverage

Full coverage

NJM$833$1,731State Farm$927$1,558Allstate$1,192$2,602Progressive$1,201$1,883

NJM auto insurance discounts

NJM's standard rates are already affordable for most drivers, but the company's range of discounts means that drivers could reduce their premiums even further.

Many drivers can qualify for discounts from NJM by:

  • Enrolling in an accident prevention defensive driving course
  • Carrying a policy with comprehensive and collision coverages
  • Bundling home and auto insurance
  • Insuring multiple cars
  • Owning a car that's less than two years old
  • Making electronic payments or paying premiums in full
  • Signing up for paperless billing statements
  • Outfitting their cars with anti-theft or vehicle recovery devices

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NJM also offers a good student discount for young drivers who maintain a GPA of at least 3.0, and a mature driver discount for people over the age of 65.

NJM car insurance coverages

Besides the personal injury and property damage liability coverages that are required by law, NJM Insurance offers a variety of extra types of protection drivers can add to their policies.

Additionally, drivers who purchase comprehensive and collision coverages from NJM receive a few extra perks for free.

  • New car replacement pays for you to purchase a brand-new car if your new car is totalled in an accident.
  • Pet coverage helps pay your pet's medical bills if you're involved in an accident while they're riding in your car.
  • Transportation expense reimbursement covers your transportation costs up to $20 or $30 per day while your car is in the shop after a

    covered loss.

Most insurers charge extra for these coverages, which is why NJM is a great option for drivers shopping for full-coverage insurance.

Drivers can also add the following coverages for an additional cost:

Collision and comprehensive coverage

These coverages are separate but often referenced together. Collision protects against damage from a car accident — no matter who's at fault — while comprehensive coverage guards against other sources of damage, like hail or vandalism.

NJM rental car coverage

If your car is unavailable, this coverage pays for you to rent a car, use a rideshare service or hire a taxi, up to the limits you select. Drivers who purchase comprehensive and collision coverages automatically receive $20 or $30 per day of coverage. You can purchase additional coverage to bring your limit up to $100 per day, with a $4,000 maximum.

Gap insurance

Pays for the difference between the balance of your loan or lease and the amount that the insurance provider reimburses you if your car is totaled.

NJM roadside assistance

Covers emergency services such as towing, lost or damaged keys and refueling for up to $75 or $125 per covered emergency.

Trailer and camper coverage

Offers liability coverage for campers and trailers while they're being towed by the insured vehicle. Some insurers include this as part of your base policy, so it's important to note that you'll need to purchase extra coverage from NJM to protect yourself while towing your trailer or camper.

Classic and collector car insurance

Protects special vehicles for an agreed-upon value that's fully payable if the car suffers damage from a

covered peril.

Rideshare coverage

Provides coverage to fill the gap between your personal car insurance policy and the commercial policy provided by your rideshare company.

Accident forgiveness

This coverage is only available to drivers in Pennsylvania. Accident forgiveness from NJM is a complementary feature that ensures your rate won't go up after a single at-fault accident. Drivers can earn this perk after five years of no paid claims and three years without a moving violation.