INSURANCE COMPANIES

NJM Insurance auto insurance profile

NJM Insurance Company, part of NJM Insurance Group. Quotes online and by phone, direct from the company, with exclusive agents supporting policyholders.

NJM Insurance sells personal auto insurance direct to residents of five Mid-Atlantic states: Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. Its coverage list follows the standard set, liability, collision, comprehensive, uninsured and underinsured motorist, and medical expenses, with endorsements for gap coverage, roadside assistance, transportation expense, and rideshare use. Policies with comprehensive and collision also include limited pet coverage, new car replacement, and limited vehicle customization coverage on NJM's published terms. Two features set NJM apart in a comparison: a voluntary SafeDrive app program with a participation discount, and dividends for New Jersey policyholders that are credited at renewal when NJM declares them.

Personal autoSelect statesOpen to all driversOnline quotesDriving-score program

Programs NJM Insurance advertises

NJM SafeDrive

NJM's voluntary smartphone app program. NJM states that the app monitors driving and provides feedback on acceleration, speed, braking, cornering and distracted driving, and that drivers who enroll automatically receive a participation discount on their auto policy.

Dividends

NJM states that New Jersey policyholders are eligible to receive dividends, as a percentage of the prior year's premium, applied as a credit to the policy premium when the policy renews the following year. NJM states that New Jersey auto policyholders may also receive a second, special dividend by check, that dividend payment is not guaranteed, and that dividends are not paid on all policy forms or in every state where NJM operates.

Eligibility limits

NJM sells personal auto insurance only to residents of Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. If you do not live in one of those five states, NJM cannot quote you.

What to ask when you quote NJM Insurance

Ask NJM to confirm your state is one of the five it writes in, and, if you live in New Jersey, ask whether your policy form is dividend eligible, how a dividend would be credited at renewal, and that payment is not guaranteed. Ask what the SafeDrive participation discount covers, which drivers on the policy must use the app to keep it, and whether the gap endorsement can still be added if you are past 30 days from adding the car.

NJM personal auto coverage is provided and underwritten by NJM Insurance Company and its subsidiaries, based at 301 Sullivan Way, West Trenton, New Jersey. NJM describes itself as a direct writer of personal insurance, supported by a select group of exclusive agents. In New Jersey's 2024 auto report, the NJM Group insured 912,378 vehicles and drew 2 valid complaints, an index of 0.042.

NJM began in workers' compensation and opened personal auto to the general public in its home states only from 2018. That history explains its five-state footprint.

From a 1913 workers' compensation carrier to five-state auto

NJM's company milestones, as published on its About page, trace the steps below. They show why the auto book is concentrated in New Jersey and why some states joined only recently.

• 1913: New Jersey Manufacturers Casualty Insurance Company is founded to provide workers' compensation to New Jersey businesses.
• 1921: NJM forms a subsidiary to write commercial and personal auto and homeowners coverage, extending service to the employees of its commercial customers.
• 1966: the home office moves to its current 100-acre campus in West Trenton.
• 2018: NJM removes membership restrictions and opens auto, homeowners, renters and umbrella insurance to all New Jersey and Pennsylvania residents.
• 2020: personal lines become available to Connecticut residents.
• 2021: personal lines become available to Ohio and Maryland residents.

Who can buy and how NJM sells

NJM's About page limits personal auto, homeowners, condo, renters and umbrella policies to residents of Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. It sells personal lines directly rather than through independent agents, with exclusive agents supporting policyholders. Its business lines work the other way: workers' compensation and commercial auto are sold through independent agents in Connecticut, Delaware, Maryland, New Jersey, New York and Pennsylvania. A household in Delaware or New York may therefore know NJM through an employer's workers' compensation policy yet still be unable to buy personal auto from it.

Because NJM writes in so few states, it does not appear in Colorado's or California's auto complaint reports. Outside its five states NJM cannot quote personal auto; inside them, use the quote comparison guide to line NJM up against other insurers.

New Jersey complaint figures, 2023 and 2024

New Jersey's Department of Banking and Insurance publishes an annual Auto Insurance Consumer Information Report by insurer group. It counts only valid complaints, meaning the insurer broke a law, regulation or policy term, or was otherwise found in error, and divides them by insured autos. An index of 1.00 is the average for the report.

For scale, the 2024 report covers 6,106,383 insured vehicles and 319 valid complaints across all listed groups, so the NJM Group accounted for roughly 15% of the vehicles in the report and under 1% of the valid complaints. In 2023 the report covered 6,031,700 vehicles and 267 valid complaints.

The figure is a group total for New Jersey only. It says nothing about NJM's complaint record in Pennsylvania, Connecticut, Maryland or Ohio, where each state's insurance department keeps its own records.

NJM Insurance questions