NJM (New Jersey Manufacturers) is a very good insurance company, if you can get it. It is owned by its customers (a “mutual”), not by stock investors. It has top customer satisfaction scores, very few complaints, low prices, and a strong A+ (Superior) financial rating. Some New Jersey customers even get money back as dividends. The big catch: NJM is only sold in 5 states (New Jersey, Pennsylvania, Ohio, Connecticut, and Maryland). It also has no mobile app and fewer extra options than big national insurers. If you live in one of its states, NJM is one of the best choices you can make. This article covers all aspects of the NJM Insurance Review.

NJM Insurance Ratings at a Glance

Measure	NJM Insurance (2026)
Overall take	Excellent service and low prices; only in 5 states
Company type	Mutual (owned by its policyholders)
AM Best rating	A+ (Superior) financial strength
J.D. Power	#1 for customer satisfaction in the Mid-Atlantic region
NAIC complaints	Very low (about 0.16–0.24; far below average)
Customer reviews	Mostly positive (Trustpilot around 4.7)
Price	Often among the cheapest in its states
Available in	NJ, PA, OH, CT, MD only
Best for	Drivers and homeowners in those 5 states
Worst for	People outside its states, or who want an app

NJM Key Facts at a Glance

Detail	NJM Insurance (2026)
Full name	New Jersey Manufacturers Insurance Company
Founded	1913 (over 100 years old)
Owned by	Its policyholders (a mutual company)
Products	Auto, home, renters, condo, umbrella, motorcycle, more
States	New Jersey, Pennsylvania, Ohio, Connecticut, Maryland
Dividends	Some New Jersey customers may get money back
Claims	24/7 by phone or online
Claims phone	1-800-367-6564
Mobile app	None
Slogan	“No Jingles or Mascots”

The best insurance company you have probably never heard of

You have seen the ads. A talking gecko. A friendly woman in a store. Famous people telling jokes. Big insurance companies spend billions of dollars on ads every year. NJM does not. Its slogan is even “No Jingles or Mascots.” That is why most people have never heard of it.

But here is the surprise. In the states where it is sold, NJM often beats those big, famous companies. It wins on customer happiness. It wins on claims. And it often wins on price. So why have you never heard of it? Because it does not advertise much, and because it only sells in 5 states. In this review, I will explain what NJM is, who owns it, if it is good, how it compares to GEICO, Progressive, and State Farm, and whether it is worth it for you. Let us look at the quiet company that keeps winning.

What Is NJM Insurance Group (New Jersey Manufacturers Insurance Company)?

Let us start with the basics. NJM stands for New Jersey Manufacturers Insurance Company. It was started in 1913, so it is over 100 years old. It began by selling workers’ compensation insurance to factory workers in New Jersey. Today it sells car insurance, home insurance, renters insurance, condo, umbrella, motorcycle, and more.

The most important thing to know is how NJM is owned. NJM is a mutual company. This means it is owned by its customers, not by stock-market investors. So NJM works for its policyholders, not for shareholders. Sometimes it even gives money back to New Jersey customers as dividends. This ownership style is a big reason NJM has such good service and low prices. It does not need to make profit for investors. It just needs to take care of its members.

Is NJM Insurance Legit? AM Best Rating and Financial Strength

Yes. NJM is a real, strong, trusted insurance company. Here is the proof.

NJM has an A+ (Superior) rating from AM Best. AM Best checks how strong an insurance company is with money. The ratings go from A++ (the best) down to D (the worst). An “A+” is very high. It means NJM can easily pay your claims, even after big disasters. NJM is also a large company (AM Best size category XV, which is the top size group). So you do not need to worry about NJM being too small or too weak to pay you. It is one of the most financially solid insurers in its region. On legitimacy and strength, NJM passes with no problem.

Is NJM Actually Good? Customer Satisfaction, Claims, and J.D. Power Ratings 

This is where NJM really shines. The honest answer is: yes, NJM is genuinely very good. Here is the data that proves it.

NJM ranks #1 for customer satisfaction in the Mid-Atlantic region in J.D. Power studies. It has also won the J.D. Power Auto Claims Certification for many years in a row. In one J.D. Power claims study, NJM scored 896 out of 1,000, second only to Amica, and ahead of GEICO, Progressive, State Farm, Allstate, and Farmers. Customers say the claims process is easy and fast. That matters a lot, because claims time is when insurance really counts.

NJM also has very few complaints. Its NAIC complaint score is around 0.16 to 0.24. The industry average is 1.0, so a lower number is better. NJM’s score is far below average. That means very few customers complain about it. Online review scores are mostly positive too (Trustpilot around 4.7). So when people ask “is NJM actually good?”, the data says yes, on service, claims, and complaints, it is one of the best.

NJM Insurance Reviews: Customer Feedback, Complaints, and Ratings 

Let us look at what reviews and reports say, honestly. The picture is mostly very positive. Across Trustpilot, Google, BBB, Reddit, Yelp, and other sites, NJM (also called NJM Insurance Group) gets strong scores. Customers praise its low prices, easy claims, helpful service, and financial strength. Its very low NAIC complaint score (well under the 1.0 average) backs this up, few people have problems with NJM.

Are there any complaints? Yes, every insurer has some. A few customers mention the lack of a mobile app, fewer discounts than some rivals, and the fact that NJM is not sold in their state. But these are mostly about what NJM lacks, not about bad treatment. Compared to most insurers, NJM has very few real service complaints. The honest summary: NJM’s reviews are some of the best in the industry, and its weak spots are about size and tools, not about how it treats people.

NJM vs. GEICO: Which Insurance Company Is Better? 

Many people ask this, so let us compare them simply. NJM and GEICO are both strong, but they are good at different things.

• NJM wins on: customer satisfaction, claims happiness, very low complaints, and often price (in its 5 states). As a mutual, it may also pay dividends.
• GEICO wins on: being available in all 50 states, better digital tools, and a strong mobile app.

So which is better? If you live in an NJM state and you care most about service, claims, and price, NJM is often the better choice. If you want nationwide coverage and a good app, or you live outside NJM’s 5 states, GEICO may suit you better. Both have strong financial ratings (GEICO is A++, NJM is A+). For most drivers in NJM’s area, NJM is the better experience.

Is NJM Better Than Progressive and State Farm?

Same idea here. Let us keep it simple.

NJM vs Progressive: NJM is often cheaper for drivers in its states, with higher customer satisfaction and fewer complaints. Progressive is available everywhere and has more digital tools, but many customers complain about price increases and a complex claims process. In NJM’s states, NJM usually gives a better experience.

NJM vs State Farm: NJM often beats State Farm’s low prices for many drivers, and it scores higher on claims satisfaction. But State Farm has more discounts (NJM has no safe-driver discount, for example), a mobile app, and is sold in all states. Both are good. If you live in an NJM state and want low prices and great claims, NJM is excellent. If you want an app, more discounts, or nationwide coverage, State Farm has the edge.

The simple takeaway: in its 5 states, NJM usually wins on price, claims, and satisfaction. The big national companies win on availability and digital tools.

Is NJM Insurance Overpriced, or Are the Rates Cheap?

Good news here: NJM is not overpriced. It is actually one of the cheaper options in the states where it is sold. Many reviews find NJM’s rates are lower than GEICO, Progressive, and State Farm for a lot of drivers. Minimum coverage can start around $55 to $72 per month, depending on your details. That is often below the national average.

On top of low prices, NJM is a mutual company. So some New Jersey policyholders get dividends, money paid back to them. That makes NJM even cheaper in real terms. The one trade-off: NJM offers fewer discounts than some big insurers (no safe-driver discount, for example). But its base prices are already low, so it usually still comes out cheap. So no, NJM is not overpriced. For most people in its states, it is one of the best-value insurers around.

What States Have NJM Auto and Home Insurance?

This is NJM’s biggest limit, so it is important. NJM is sold in only 5 states:

• New Jersey
• Pennsylvania
• Ohio
• Connecticut
• Maryland

That is it. If you do not live in one of these 5 states, you cannot buy NJM, no matter how good it is. This is the number-one reason people end up choosing another insurer. NJM is a regional company, not a national one. The good side of being regional is that NJM knows local roads, local laws, and local customers very well. The bad side is simple: most of the country cannot get it. So before you fall in love with NJM, check that it is sold where you live.

NJM Car Insurance Discounts and Mutual Dividends

Let us talk about saving money. NJM offers a good set of discounts, though fewer than some giant insurers. Common ones can include savings for things like having more than one policy, safe vehicles, paying in full, and good students. Note that NJM does not offer a safe-driver discount, which is one of the biggest discounts at other companies. So always ask which discounts you qualify for.

The special NJM bonus is dividends. Because NJM is a mutual (owned by customers), it can return extra money to policyholders. Some New Jersey customers receive these dividend payments. This is like getting part of your premium back. Most big national insurers do not do this, because they pay their profits to investors instead. So with NJM, low base prices plus possible dividends can make it a strong value.

Which Insurance Company Has the Most Complaints or Denies the Most Claims?

These questions come up a lot, so here is a fair, honest answer. There is no official list of the “worst” company, the one that “denies the most claims,” or has the “lowest customer satisfaction.” Any website that names one is usually guessing.

The smart way to judge any insurer is to use real data:

• NAIC Complaint Index: 1.0 is average. Higher means more complaints than normal. Lower is better. (NJM’s is very low, around 0.16–0.24, which is excellent.)
• J.D. Power scores: these measure customer and claims satisfaction.
• AM Best ratings: these measure financial strength.

Instead of trusting “top 5 worst companies” lists, check these numbers for any insurer you are thinking about. By this data, NJM looks very strong, far fewer complaints than most. So NJM is on the good side of these questions, not the bad side.

What Not to Say to an Insurance Adjuster After a Car Accident

This is a popular question, and the honest answer is important. First rule: never lie or hide facts. Lying to your insurer is fraud. It can get your claim denied or your policy cancelled.

The real tip is about not saying the wrong thing by accident. After an accident or claim:

• Do not guess about what caused the damage. Just say what you know.
• Do not say “I’m sorry” or admit fault. Let the facts decide who is at fault.
• Do not exaggerate or downplay your injuries or damage.

Instead, stick to the facts. Give photos, receipts, and a clear list of what happened. Being honest and well-prepared is what protects your claim. The goal is not to trick anyone. It is to make sure the truth is clear and documented.

Is $300 a Month a Lot for Car Insurance?

Let us put this in plain terms. $300 a month is $3,600 a year. For car insurance alone, that is on the high side. The national average for full coverage is closer to $200 a month for many drivers. So $300/month for one car is more than average.

But it depends on your situation. $300 a month could be normal if you have a young driver, a recent accident or ticket, an expensive car, low credit, or you live in a high-cost city. It could also be normal if it covers more than one car, or if it includes home insurance bundled in. So $300 a month is a lot for a single, low-risk driver, but it may be fair in higher-risk cases. The best move is always to compare quotes from a few insurers (like NJM, if you are in its states) to see if you can pay less.

Who Are the Top 5 Car Insurance Companies in the US?

People often ask this next to NJM, so here is a simple answer. By size (market share), the biggest US car insurers are usually State Farm, GEICO, Progressive, Allstate, and USAA (USAA is for military families). But “biggest” does not always mean “best for you.”

By customer satisfaction, smaller companies like Amica and NJM often score at the very top, higher than the giants. So the “top 5” depends on what you want. For nationwide size and ads, it is the big names. For happy customers and great claims, regional companies like NJM frequently win. The best insurer is the one that fits your state, needs, and budget, not just the one with the most TV ads.

NJM Pros and Cons

A simple, honest list.

Pros:

• Top customer satisfaction (J.D. Power #1 in its region) and easy claims.
• Very low complaints (NAIC score far below average).
• Low prices, often cheaper than GEICO, Progressive, and State Farm.
• Strong A+ (Superior) financial rating; over 100 years old.
• Mutual company, may pay dividends to some New Jersey customers.

Cons:

• Sold in only 5 states (NJ, PA, OH, CT, MD), the biggest drawback.
• No mobile app to manage your policy.
• Fewer discounts than some big insurers (no safe-driver discount).
• Fewer extra options (like new-car replacement).
• Not for people who want nationwide coverage or lots of digital tools.

Who NJM Is Right For (and Who Should Look Elsewhere)

Let us make it simple.

NJM is a great choice if you live in one of its 5 states (NJ, PA, OH, CT, MD), you want low prices and great claims service, and you do not mind using the phone or website instead of an app. For drivers and homeowners in those states, NJM is one of the best options you can find. Its mix of low prices, top satisfaction, and possible dividends is hard to beat.

You should look elsewhere if you live outside those 5 states (then you simply cannot buy it), you need a mobile app to manage everything, or you want lots of discounts and add-ons. In those cases, a big national insurer may fit you better. The honest move: if you live in an NJM state, get a quote from NJM and compare it to two other insurers. NJM often wins on price and service, but it is always smart to compare.

From 16 Years in Insurance: The Best Insurer Is Often the One With No Ads

After 16 years in insurance, here is one of the clearest patterns I saw. The companies that spend the most on ads are not always the best. And some of the best companies spend almost nothing on ads, so most people never hear about them. NJM is the perfect example. Its slogan is literally “No Jingles or Mascots.”

Why does this happen? Big national insurers spend billions on ads and pay profits to investors. Regional mutuals like NJM skip the ads and return money to their own customers instead. That is part of why NJM has lower prices, fewer complaints, and happier customers. The lesson I always shared: do not pick your insurance by who has the funniest commercial. Pick it by the data, claims satisfaction (J.D. Power), complaint scores (NAIC), and financial strength (AM Best). When you do that, quiet companies like NJM often beat the famous ones. The only real reason not to choose NJM is if you live outside its states. So if you are in NJ, PA, OH, CT, or MD, do yourself a favor and get an NJM quote. The best deal is often the company you have never seen on TV.

NJM Insurance Review: Bottom Line 

NJM is a genuinely excellent insurance company. It has top customer satisfaction, very low complaints, low prices, a strong A+ rating, and it may even pay some customers dividends. On the things that matter most, claims, service, and price, NJM beats most of the big national names in the states where it is sold. The only real downside is also a big one: NJM is available in just 5 states, and it has no mobile app and fewer discounts. So the smart approach is simple. If you live in New Jersey, Pennsylvania, Ohio, Connecticut, or Maryland, get an NJM quote and compare it. You will probably find great service and a low price. If you live anywhere else, you sadly cannot get it, and you will need to compare other strong insurers instead.

Final Verdict: Is NJM Insurance Worth It in 2026? 

NJM (New Jersey Manufacturers) is one of the best-value insurers in the country, if you can buy it. It is a 100-year-old mutual company owned by its customers, with an A+ (Superior) rating, #1 regional customer satisfaction, very low complaints, low prices, and possible dividends. Its only big weaknesses are limited availability (just 5 states: NJ, PA, OH, CT, MD), no mobile app, and fewer discounts. For drivers and homeowners in those states, NJM is an excellent, affordable, highly rated choice. Get a quote, compare it to two rivals, and you will likely see why NJM keeps winning, all without a single TV ad.

FAQs

Is NJM actually good? 

Yes. NJM is genuinely very good. It ranks #1 for customer satisfaction in its region (J.D. Power), has very few complaints (NAIC score around 0.16–0.24, far below the 1.0 average), offers low prices, and holds a strong A+ rating. On service, claims, and price, it beats most big national insurers in its states.

What does NJM stand for? 

NJM stands for New Jersey Manufacturers Insurance Company. It started in 1913 by insuring factory workers in New Jersey. Today its fun slogan is “No Jingles or Mascots,” because it does not run big ad campaigns like national insurers do. It is owned by its customers, not by investors.

Is NJM insurance legit? 

Yes, fully. NJM is a real, licensed insurance company that is over 100 years old, with an A+ (Superior) financial rating from AM Best. That high rating means it can easily pay claims. It also has very low complaints and top customer satisfaction. It is one of the most trusted insurers in its region.

Is NJM or GEICO better? 

It depends on what you want. NJM usually wins on customer satisfaction, claims, low complaints, and often price, but it is sold in only 5 states. GEICO is available nationwide and has better digital tools and a mobile app. In NJM’s states, NJM is often the better experience; outside them, GEICO is an option and NJM is not.

Is NJM better than Progressive? 

In its 5 states, often yes. NJM is frequently cheaper, with higher customer satisfaction and fewer complaints. Progressive is available everywhere and has more digital tools, but many customers report price increases and a complex claims process. If you live where NJM is sold, NJM usually gives a better experience.

Is NJM better than State Farm? 

Both are strong. NJM often beats State Farm on price and claims satisfaction in its states. But State Farm has more discounts, a mobile app, and nationwide availability. If you want low prices and great claims in an NJM state, NJM wins. If you want an app, more discounts, or coverage anywhere, State Farm has the edge.

Is NJM insurance overpriced? 

No. NJM is one of the cheaper insurers in its states, often lower than GEICO, Progressive, and State Farm. Minimum coverage can start around $55–$72 per month. As a mutual, it may also pay dividends to some New Jersey customers, making it even better value. It does have fewer discounts, but low base prices.

What states sell NJM insurance? 

NJM is sold in only 5 states: New Jersey, Pennsylvania, Ohio, Connecticut, and Maryland. If you do not live in one of these states, you cannot buy NJM. This limited availability is its biggest drawback. Always check that NJM is sold where you live before comparing it.

Does NJM pay dividends? 

Yes, it can. NJM is a mutual company, meaning it is owned by its policyholders. Because of this, it can return extra money to customers as dividends. Some New Jersey policyholders receive these payments. This is like getting part of your premium back, something most big national insurers do not do.

Does NJM have a mobile app? 

No. NJM does not have a mobile app to manage your policy. You handle things by phone or on its website. For claims, you can call 1-800-367-6564 or report online, 24/7. If having an app is important to you, this is a real downside of NJM compared to big national insurers.

Which insurance company has the most complaints or denies the most claims? 

There is no official “worst” list, and naming one company is usually guesswork. Judge insurers by the NAIC Complaint Index (above 1.0 means more complaints than average), J.D. Power scores, and AM Best ratings. By this data, NJM has very few complaints, so it is on the good side of these questions, not the bad side.

What not to say to an insurance adjuster? 

Never lie or hide facts, that is fraud and can void your claim. The real tip: do not guess about what caused the damage, do not admit fault or say “I’m sorry,” and do not exaggerate or downplay. Just stick to the facts and give photos and documents. Being honest and prepared protects your claim.

Is $300 a month a lot for car insurance? 

For one car, yes, that is on the high side. The national average for full coverage is closer to $200 a month for many drivers. But $300 can be normal if you have a young driver, a recent accident, an expensive car, low credit, or you cover more than one car. Always compare quotes to see if you can pay less.

Who are the top 5 car insurance companies? 

By size, the biggest US car insurers are usually State Farm, GEICO, Progressive, Allstate, and USAA. But “biggest” is not always “best for you.” By customer satisfaction, smaller companies like Amica and NJM often score at the very top. The best insurer is the one that fits your state, needs, and budget.

How do I file a claim with NJM? 

You can file an NJM claim 24/7 by phone at 1-800-367-6564, or online through NJM’s website. NJM is known for an easy, fast claims process, it has won J.D. Power’s Auto Claims Certification for years. Keep photos, documents, and a clear record of what happened to make your claim smooth.

Is NJM good for home and renters insurance too? 

Yes. While NJM is best known for car insurance, it also sells home, renters, condo, umbrella, and other coverage in its states. Its strong service, low complaints, and good prices apply across these products. If you are in an NJM state, it can be worth bundling your home or renters policy with your auto.

About the Author

Md Shahinuzzaman is an insurance and out-of-pocket healthcare cost specialist with 16 years in banking and insurance. He covers car, home, renters, life, and pet insurance for everyday people. He ties every rating and number to a named source, explains insurance in plain and simple words, judges companies by real data (not by their ads), and helps people find the best value for their situation.

Reviewed June 2026 ·

Sources

1. NerdWallet — NJM Auto Insurance Review (5/5 stars, excellent customer experience, great discounts, far fewer NAIC complaints than expected, available CT/MD/NJ/OH/PA, no mobile app, possible NJ dividends): https://www.nerdwallet.com/blog/insurance/njm-insurance-review
2. Compare.com — GEICO vs. NJM Car Insurance 2026 (NJM AM Best A+, mutual answers to customers, sold in NJ/MD/CT/OH/PA, higher customer satisfaction, matches GEICO on affordability, GEICO better digital tools): https://www.compare.com/auto-insurance/compare-insurance-companies/geico-vs-njm-insurance-group
3. Compare.com — NJM vs. State Farm 2026 (NJM beats State Farm’s low rates for many drivers, mutual dividends, fewer discounts, no safe-driver discount, State Farm better policy-management tools): https://www.compare.com/auto-insurance/compare-insurance-companies/njm-insurance-group-vs-state-farm
4. Insurify — NJM Auto Insurance Review 2026 (sold in NJ/PA/OH/MD/CT, AM Best A+, above average J.D. Power 2023 claims satisfaction, 100+ years, often lowest rates, renters/condo/umbrella/motorcycle): https://insurify.com/car-insurance/companies/njm/
5. Agency Height — NJM Insurance Review 2026 (J.D. Power Auto Claims Certification 5 years running, 896/1000 claims score second to Amica, beats GEICO/Progressive/State Farm/Allstate, Trustpilot 4.7/Google 3.8/Clearsurance 4.67): https://agencyheight.com/insurance-reviews/njm-insurance-review/
6. InsuranceProviders.com — NJM Auto Insurance Review 2026 (A+ Superior AM Best, J.D. Power 867 led Mid-Atlantic, NAIC complaint index 0.19 well below average, only 7 complaints): https://www.insuranceproviders.com/companies/njm-new-jersey-manufacturers-review/
7. Quote.com — NJM Insurance Review 2026 (low complaint ratio about 0.24, A+ financial strength, minimum coverage near $72/month, cheaper than Progressive/State Farm for many, only NJ/PA/CT/MD/OH): https://www.quote.com/companies/njm-insurance-review/
8. The Zebra — Is NJM a Good Insurance Company? 2026 (full name New Jersey Manufacturers, “No Jingles or Mascots” slogan, AM Best A+ Superior, Financial Size Category XV, available CT/MD/OH/PA/NJ): https://www.thezebra.com/insurance-companies/njm-reviews-coverage-options-and-ratings/
9. Compare.com — NJM Auto Insurance Review 2026 (J.D. Power Auto Claims Certification seven years running, #1 customer satisfaction Mid-Atlantic, only 5 states, limited add-ons, claims 1-800-367-6564): https://www.compare.com/auto-insurance/reviews/new-jersey-manufacturers
10. AM Best — New Jersey Manufacturers Insurance Company financial-strength rating (A+ Superior): https://www.ambest.com/