How to Cancel Your NJM Car Insurance Policy in 5 Easy Steps
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Although New Jersey Manufacturers (NJM) is one of the best insurance companies in New Jersey, it may not be right for everyone. If you found a better rate or coverage options with another insurer after comparing quotes, you’ll need to cancel your NJM insurance after securing a policy with a new insurer.
Cancellation policies vary by insurance company. Understanding how they work before you start the cancellation process can ensure a fast and smooth transition.
To cancel your NJM policy, call NJM customer service to process your cancellation request. Here’s how it works.
5 Steps to Cancel Your NJM Car Insurance Policy
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Making sure that canceling your car insurance policy is the best choice is a multi-step process. Taking the following steps can help you cancel your policy the right way and find the best coverage at the lowest price from your next insurance company.
1. Review your current policy
Your current policy has important details you’ll need to begin the NJM cancellation process. When you contact NJM, you’ll need your policy number, which you can find on your insurance policy declarations page.
Knowing your policy expiration date and how close you are to renewal can help determine your refund eligibility. You should also take note of your coverage limits, types, and deductibles to help in your search for a new car insurance policy.
2. Understand what you need from your next policy
Reviewing your current car insurance coverage can reveal any gaps or needs for additional coverage.
For example, if you have only one vehicle and rely on it to get to work, you may want to consider an insurance company with rental car reimbursement coverage in case of an accident. Gap insurance may also be a good choice if you’re financing or leasing a new car.
You should also reflect on why you’re canceling with NJM. Maybe you had a poor customer claims experience or found an insurance company offering more discounts or coverage options that better suit your insurance needs.
Understanding why you want to switch insurance companies can help you narrow down your choices for your next policy.
3. Compare quotes and purchase your new policy
It’s illegal to drive without car insurance in nearly every state. You can avoid a lapse in coverage by getting a new policy before canceling your NJM car insurance. A coverage lapse can cause higher insurance premiums — and you won’t have coverage in place if you get into an accident.
The best way to find the coverage you need at the best price is to comparison shop. Comparing multiple insurance companies can ensure you get the right fit. A car insurance comparison site can do the work for you. You only need to enter your personal information once to get several quotes to review quickly, which is especially helpful if you’re looking for same-day coverage.
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4. Contact NJM customer service
Now that you have your new insurance policy, you’ll need to contact NJM customer service at 1 (800) 232-6600 to process your car insurance cancellation. You can also contact your independent agent if you bought your insurance policy through them instead of directly through NJM.
You should have your NJM policy number and policy end date ready to provide to the customer service representative. NJM’s website also says to have your new insurance policy information available when calling.
The NJM representative will likely review your policy and ask questions to ensure you’re not missing any discounts or coverages before processing your cancellation.
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Get Started With This Sample Car Insurance Cancellation Letter
5. Confirm your cancellation and get your refund
While speaking with NJM customer service or your agent, ask if the company will send you a refund and how you’ll receive it. Also, find out how you’ll receive written confirmation of cancellation and how long it will take to process. Most car insurance companies send confirmation by email.
If you have automatic payments set up, cancel them to prevent another installment from processing during the cancellation process. You can ask the agent to suspend your auto pay account or log into your online account to stop it.
Ways to Cancel Your NJM Auto Insurance Policy
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NJM allows car insurance cancellations only by phone. But if you work with an independent insurance agent, you may be able to visit their office in person to process your cancellation request. Here are more details on both cancellation methods.
By phone
Cancel your NJM car insurance by calling customer service at 1 (800) 232-6600. You can also call your agent to cancel your NJM car insurance. If you don’t have your agent’s phone number handy, you can use NJM’s agent directory to find it.
In person
When you work with a local independent agent, you can typically visit them in person to make payments and process changes and cancellation requests. If you prefer to cancel your NJM car insurance in person, visit your agent’s office during regular business hours.
When to Cancel Your Car Insurance Policy
Most insurers allow you to cancel your car insurance policy at any time during the policy term. But if you cancel midterm and not on the renewal date, you may have to pay a cancellation fee. Car insurance companies like NJM and State Farm usually don’t charge a cancellation fee. But high-risk insurers like The General and Mercury may.
Although NJM is a top-rated insurance company, it may not be the right fit for all households and car insurance needs. Some situations where it might make sense to switch to another insurance company include:
You moved to a state NJM doesn’t operate in.
You’re adding a new driver to your household.
You need insurance coverage that NJM doesn’t offer.
You got a cheaper rate for the same coverage with a different insurance company.
What to Consider Before Canceling Your NJM Auto Insurance Policy
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If you’re preparing to cancel your NJM car insurance, consider the following before you do:
Shop for your new policy first. Compare car insurance quotes from several companies to find the best insurer for your coverage needs and budget.
Avoid a coverage lapse. Switch to your new insurance company before canceling your NJM car insurance to avoid a coverage lapse.
Know the process for canceling midterm. Ask questions about getting a refund and whether you’ll have to pay a cancellation fee if you cancel in the middle of your NJM policy term.
Prepare to lose beneficial discounts. The multi-policy discount, which you can get when you bundle your home and car insurance, is often the largest single discount insurance companies offer. If you switch your car insurance but keep your home insurance with NJM, you’ll lose the discount, and your home insurance rate will increase.
NJM Car Insurance Premiums vs. the Competition
Car insurance rates vary widely by company, so it’s important to compare quotes from several insurers to find the best pricing. The table below compares NJM car insurance with several close competitors to see how each stacks up, according to Compare.com data.
Insurance Company ▲▼ | Average Monthly Premium ▲▼ | Compared to NJM ▲▼ |
|---|---|---|
| NJM | $40 | — |
| GEICO | $86 | +115% |
| Progressive | $124 | +210% |
| State Farm | $86 | +115% |
| Industry average | $134 | +235% |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
NJM’s average monthly rate is significantly cheaper than the industry average and other well-known competitors. Still, with many personal factors determining your insurance premium, it’s worth gathering multiple quotes to see how NJM compares to other insurers for your driving profile.
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Canceling NJM Insurance FAQs
We answered common questions about canceling NJM car insurance to help you navigate the cancellation process.
Can you cancel NJM auto insurance anytime?
Yes. You can cancel your NJM car insurance anytime, but you should have a policy with another insurance company in place before you cancel NJM to prevent a coverage lapse.
Does NJM charge a cancellation fee?
No, NJM doesn’t charge a cancellation fee. That said, it’s a good idea to ask NJM customer service if you owe a fee when you call to cancel your car insurance policy. If you pay your premium on an installment plan, you may still owe for coverage up to your cancellation date.
Can you cancel NJM insurance online?
No. You should call NJM customer service to cancel your car insurance or contact your independent agent if you didn’t buy your insurance policy directly through NJM.
Sources
Insurance Information Institute, “Renewing your homeowners or car insurance policy?,” accessed January 20, 2025.
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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