{"id":323986,"date":"2025-11-07T22:33:28","date_gmt":"2025-11-08T03:33:28","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=233102"},"modified":"2025-11-07T22:33:29","modified_gmt":"2025-11-08T03:33:29","slug":"njm-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/","title":{"rendered":"NJM Auto Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"NJM Auto Insurance Review\"><\/span>\n    \n\n\n<p>NJM Insurance is a strong choice for auto insurance if you live in Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania. In <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">J.D. Power\u2019s 2024 U.S. Auto Claims Satisfaction Study<\/a>, NJM ranks among the top insurers nationally for claims satisfaction (1,000-point scale), exceeding the industry average.<\/p>\n\n\n\n<p>NJM offers comprehensive coverage, including a range of <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.njm.com\/insurance\/auto\/endorsements\" target=\"_blank\">add-on policies<\/a> for added protection. Policyholders can get new car replacement coverage, roadside assistance, gap insurance, rental car and rideshare reimbursement, and even pet insurance. Availability and details can vary by state.&nbsp;<\/p>\n\n\n\n<p>Because NJM is a regional company, service quality is a key differentiator. NJM ranks highest in the New Jersey regional segment for overall customer satisfaction in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">J.D. Power\u2019s 2024 U.S. Auto Insurance Study<\/a>, and regulatory data show a private passenger auto complaint index below the industry average (Index &lt; 1.00), per the <a href=\"https:\/\/content.naic.org\">NAIC Consumer Insurance Search<\/a>.<\/p>\n\n\n\n<p>When it comes to <a href=\"https:\/\/www.njm.com\/auto-insurance\/discounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">discounts<\/a>, NJM also stands out. Drivers can save money on their premium by taking a defensive driving course, bundling multiple policies, insuring more than one vehicle, maintaining good grades, choosing paperless documents or pay-in-full (where available), and enrolling in the optional NJM SafeDrive telematics program; eligibility and discount amounts vary by state.<\/p>\n\n\n\n<p>The only major downside to NJM is that the company sells auto insurance in just five states, which is a relatively small market compared with national carriers.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"history\" title=\"Financial Strength, Availability, and History\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">NJM Insurance: Financial Strength, Availability, and History&nbsp;<\/h2>\n\n\n\n<p>Overall, NJM has a good reputation in the industry, despite its regional footprint. The company holds an <a href=\"https:\/\/www.njm.com\">A+ (Superior) Financial Strength Rating from AM Best<\/a>, affirmed in 2025, indicating superior claims-paying ability. Independent benchmarks show strong satisfaction, including top-tier performance in J.D. Power\u2019s 2024 studies and a sub\u20111.00 complaint index on the NAIC Consumer Insurance Search; at the same time, consumer review sites like <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.trustpilot.com\/review\/njm.com?utm_medium=trustbox&amp;utm_source=PopUp\" target=\"_blank\">TrustPilot<\/a> and the <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.bbb.org\/us\/nj\/ewing\/profile\/insurance-companies\/new-jersey-manufacturers-insurance-co-0221-10000634\" target=\"_blank\">BBB<\/a> reflect mixed individual experiences.<\/p>\n\n\n\n<ul><li>In business since: over 100 years<\/li><li>States served (availability): 5<\/li><li>Standout features: Customer service, add-on policies, discounts, online quote tool, telematics (SafeDrive)<\/li><\/ul>\n\n\n\n\n                                                            \n            \n<section id=\"njm-auto-insurance\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n         \n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                NJM Auto Insurance\n            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n\n            <div class=\"b-item-list-card__card__right__top\">\n                            <\/div>\n\n            <br>\n            <br>\n\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_NJM&#038;rvitemid=308197-20\" type=\"button\"\n                    aria-label=\" button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='308197' data-tag-product-name='NJM Auto Insurance' data-tag-brand='' data-tag-price='0' data-tag-subscription='month' data-tag-category=''\n                    rel=\" sponsored\"\n                >Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottom h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Pros<\/strong><\/td><td> <strong>Cons<\/strong><\/td><\/tr><tr><td>\u2022 Strong financial strength (AM Best A+)<br>\u2022 Longstanding history and expertise<\/td><td>\u2022 Limited availability (five states)&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"factors\" title=\"Factors We Analyzed\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Auto Insurance Factors We Analyzed&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pricing&nbsp;<\/h3>\n\n\n\n<p>Based on 2024 analyses of NJM by major consumer finance outlets, average premiums for a good driver profile typically fall in the low\u2011 to mid\u2011$400s per year for minimum coverage and the low\u2011 to mid\u2011$1,000s per year for full coverage; exact figures vary by state, driver, and methodology. See <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener\">NerdWallet\u2019s 2024 NJM review<\/a> for current averages and methodology.<\/p>\n\n\n\n<p>Many different factors are considered when an insurance provider calculates your rate. Some factors are out of your control, like your age, driving history and state. Others you can control, like the amount of coverage you purchase and your deductible. Ultimately, every driver will pay a different insurance premium based on their unique circumstances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Customer experience&nbsp;<\/h3>\n\n\n\n<p>We also reviewed NJM\u2019s customer experience ratings from leading research groups. In <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">J.D. Power\u2019s 2024 U.S. Auto Claims Satisfaction Study<\/a>, NJM ranks among the top insurers nationally for post\u2011claim satisfaction. The company also ranks highest in the New Jersey regional segment in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">J.D. Power\u2019s 2024 U.S. Auto Insurance Study<\/a>. In addition, the <a href=\"https:\/\/content.naic.org\">NAIC complaint index<\/a> for NJM\u2019s private passenger auto line is below 1.00, indicating fewer complaints than expected for its size.<br><\/p>\n\n\n\n<p>To apply for coverage with NJM, you can use the online quote tool or call an agent. All documents are available online or through your customer dashboard if you need to file a claim. It\u2019s also easy to get in touch with an agent through phone or email if you have questions about your policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage&nbsp;<\/h3>\n\n\n\n<p>Overall, NJM offers reliable auto insurance coverage. The company offers <a href=\"https:\/\/www.njm.com\/insurance\/auto\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">basic coverages<\/a>, including collision, comprehensive, liability, uninsured\/underinsured motorist and medical payments coverage. However, they don\u2019t provide any coverages that are especially unique or different from competing insurance providers.<\/p>\n\n\n\n<p>If you\u2019re buying auto insurance for the first time, it can be helpful to talk with an NJM agent to ensure you\u2019re purchasing the right coverage and the right amount of coverage. To determine how much liability coverage you need, consider the value of your assets, like IRAs, retirement accounts, investment real estate properties and even your savings account. The more assets you have, the more liability coverage you\u2019ll need.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Deals, discounts, and add-ons<\/h3>\n\n\n\n<p>NJM offers a variety of <a href=\"https:\/\/www.njm.com\/auto-insurance\/discounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">discounts<\/a> to help drivers lower their premiums. For instance, drivers can save money by taking a defensive driving class, setting up autopay, purchasing a full coverage policy, being a good student, bundling home and auto insurance and paying their premium in full. The optional NJM SafeDrive telematics program can also reduce premiums for safe driving where available.&nbsp;<\/p>\n\n\n\n<p>Additionally, NJM sells several <a href=\"https:\/\/www.njm.com\/insurance\/auto\/endorsements\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">endorsement<\/a> coverages. Some examples of available add-on coverages include pet insurance, roadside assistance, transportation reimbursement coverage and new car replacement coverage. While NJM offers good endorsements, their coverage options aren\u2019t necessarily more extensive than its competitors, and availability varies by state.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom-line\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line&nbsp;<\/h2>\n\n\n\n<p>Based on our evaluation, NJM is a great insurance company across the board. It offers good coverage options, a wide range of endorsements, and discounts that can help you save money on your premium. Additionally, we like that the company has great financial strength and consistently high marks from independent research, including <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\">J.D. Power\u2019s 2024 U.S. Auto Claims Satisfaction Study<\/a> and the <a href=\"https:\/\/content.naic.org\">NAIC complaint index<\/a>.&nbsp;<\/p>\n\n\n\n<p>The biggest drawback to NJM is that the company only sells auto insurance policies to drivers in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. But if you live in one of those states, NJM has you covered. We recommend NJM to drivers who value customer service and a strong claims experience.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"the-competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><br><\/td><td><a href=\"https:\/\/www.ambest.com\/ratings\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"><strong>A.M. Best Financial Strength Rating<\/strong><\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"><strong>J.D. Power 2024 Claims Satisfaction Study<\/strong><\/a><\/td><td><strong>24\/7 Claims Support<\/strong><\/td><\/tr><tr><td><strong>NJM Insurance<\/strong><\/td><td>A+<\/td><td>Among highest<\/td><td>Yes<\/td><\/tr><tr><td><strong>USAA<\/strong><\/td><td>A++<\/td><td>Typically high (membership required)<\/td><td>\u2714<\/td><\/tr><tr><td><strong>Geico<\/strong><\/td><td>A++<\/td><td>Average to above average (varies by region)<\/td><td>\u2714<\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>A++<\/td><td>Above average in many regions<\/td><td>\u2714<\/td><\/tr><tr><td><strong>Progressive<\/strong><\/td><td>A+<\/td><td>Varies by region\/year<\/td><td>\u2714<\/td><\/tr><tr><td><strong>Nationwide<\/strong><\/td><td>A+<\/td><td>Varies by region\/year<\/td><td>\u2714<\/td><\/tr><tr><td><strong>Safeco<\/strong><\/td><td>A<\/td><td>Varies by region\/year<\/td><td>\u2714<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>All information current as of November 2025.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">NJM Insurance FAQ&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">What other types of insurance does NJM Insurance offer?<\/h3>\n\n\n\n<p>NJM offers auto, home, renters, umbrella and commercial insurance. However, some products are only available in certain states. If you bundle your home and auto insurance with NJM, you qualify for a discount on your premium.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much car insurance do I need?&nbsp;<\/h3>\n\n\n\n<p>To determine how much car insurance you need, determine the minimum requirements for your state. You can choose to carry only the required amount or purchase more coverage for added protection. You can <a href=\"\\nhttps:\/\/www.reviews.com\/insurance\/car\/infinity-review\/\">use this guide<\/a> to select the right amount of auto insurance for your needs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Where is NJM Insurance auto insurance coverage available?&nbsp;<\/h3>\n\n\n\n<p>NJM auto insurance is available to drivers in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What does NJM Insurance car insurance typically cover?&nbsp;<\/h3>\n\n\n\n<p>NJM Insurance auto policies cover comprehensive, collision, uninsured\/underinsured motorists, liability and medical payments coverage. Drivers can get more coverage by purchasing endorsement policies, like roadside assistance, new car replacement coverage, and <a href=\"https:\/\/www.reviews.com\/insurance\/car\/is-gap-insurance-worth-it\/\">gap insurance<\/a>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated NJM based on discounts, coverage, online resources, financial strength, and customer satisfaction to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed:<\/p>\n\n\n\n<ul><li>Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company\u2019s financial stability.<\/li><li>Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 Auto Insurance Study<\/a> to compare the average rating of insurers across all regions.<\/li><li>Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.<\/li><li>Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.<\/li><\/ul>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.\u00a0<\/p>\n\n\n\n<p>As for average pricing, we used recent 2024 data from reputable consumer finance outlets that publish standardized good\u2011driver profiles. For full coverage, the details used were the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>NJM Insurance is a strong choice for auto insurance if you live in Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania. In J.D. Power\u2019s 2024 U.S. Auto Claims Satisfaction Study, NJM ranks among the top insurers nationally for claims satisfaction (1,000-point scale), exceeding the industry average. NJM offers comprehensive coverage, including a range of add-on policies [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":349084,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NJM Auto Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"While NJM only offers auto insurance in two states, it is best known for its stellar claims service, rivaling industry giants like USAA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NJM Auto Insurance Review | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"While NJM only offers auto insurance in two states, it is best known for its stellar claims service, rivaling industry giants like USAA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-08T03:33:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/06\/NJM-Car-Insurance-540976774.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Car\",\"item\":\"https:\/\/www.reviews.com\/insurance\/car\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"NJM Auto Insurance Review\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"NJM Auto Insurance Review | Reviews.com","description":"While NJM only offers auto insurance in two states, it is best known for its stellar claims service, rivaling industry giants like USAA.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/","og_locale":"en_US","og_type":"article","og_title":"NJM Auto Insurance Review | Reviews.com","og_description":"While NJM only offers auto insurance in two states, it is best known for its stellar claims service, rivaling industry giants like USAA.","og_url":"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","article_modified_time":"2025-11-08T03:33:29+00:00","og_image":[{"width":1440,"height":960,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/06\/NJM-Car-Insurance-540976774.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Car","item":"https:\/\/www.reviews.com\/insurance\/car\/"},{"@type":"ListItem","position":4,"name":"NJM Auto Insurance Review"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323986"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=323986"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323986\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1760"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/349084"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=323986"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=323986"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=323986"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=323986"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}