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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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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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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
If you’re comparing car insurance companies, NJM and Allstate are two strong contenders. Allstate has a vast agent network and a range of digital features that many drivers appreciate. On the other hand, NJM is a smaller, regional insurer owned by its members.
Choosing the best company for you depends on what matters most to you. While NJM excels at keeping customers happy, Allstate offers more coverage options and extras, like accident forgiveness, that can help you save on car insurance.
Let’s explore average rates, coverage options, discounts, and more to help you make the best decision.
Allstate provides coverage in all 50 states and offers features like mechanical breakdown coverage, rideshare insurance, and vanishing deductibles.
Both companies offer usage-based insurance discounts for safe driving habits such as avoiding speeding, hard braking, and distracted driving.
NJM earns high customer satisfaction ratings, but coverage is only available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
Drivers appreciate the overall service but note a recent increase in prices.
Drivers appreciate the overall service but note a recent increase in prices.
NJM keeps things simple and stays close to home, covering drivers in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. You won’t see fancy mobile apps or nationwide advertising like Allstate’s, but you still get reliable auto insurance and solid opportunities to save money.
Since customers own the company, any extra money goes back to customers instead of outside investors. The company is significantly smaller than Allstate, ranking as the 25th-largest insurance company in the U.S., while Allstate ranks No. 4.
Strong customer satisfaction ratings
Member-owned company benefits
Discounts to keep rates low
Coverage available in only five states
Fewer coverage options
Limited customer service hours
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is a national insurer that offers coverage across all 50 states. Unlike NJM, which operates in just five states, you can find an Allstate agent almost anywhere and manage your policy anytime through its app.
But being a large, investor-owned company has its trade-offs. Allstate must make profits for its shareholders, which can mean higher premiums. While you gain more options and convenience with Allstate, you may end up paying more for the brand recognition and nationwide presence that come with a major insurer.
To choose a car insurance company, you first need to figure out what matters most to you. Some drivers want the lowest payment possible, but others care more about getting help quickly when something goes wrong. You might prefer managing everything through your phone over talking to someone who knows your situation directly.
It’s also important to look at a company’s financial strength. Organizations like AM Best rate insurers, so you can be confident that the company can reliably pay claims.
The table below shows how NJM and Allstate measure up in key areas, according to our research.
Category  | NJM | Allstate |
|---|---|---|
| Cost | 5/5 | 5/5 |
| Customer satisfaction | 5/5 | 3.7/5 |
| Policy management | 4.2/5 | 4.8/5 |
| Availability | 3/5 | 5/5 |
| Industry reputation | 3.5/5 | 4.7/5 |
| Overall Score | 4.63/5 | 4.93/5 |
Allstate leads with the highest overall score, but NJM excels in customer satisfaction. Allstate stands out for its strong industry reputation and insurance policy management tools. Both companies could work, but each appeals to different types of drivers with different priorities.
Our editorial team analyzes and grades each insurer based on its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Car insurance prices change a lot from person to person and company to company. Each insurance company has its own way of deciding what to charge you. Insurance prices depend on factors like your age, where you live, the type of car you drive, and your driving record.
Since every company weighs these things differently, you might receive different prices from each one. That’s why it makes sense to compare quotes from both companies.
One might give teens a break, while the other may be more lenient with drivers who have speeding tickets. Don’t assume one company costs more or less. You won’t know which company offers the better deal until you request quotes.
Let’s take a closer look at how much different types of drivers typically pay each month, according to Compare.com data.
Driver Type | NJM | Allstate | Industry Average |
|---|---|---|---|
| All drivers | $95 | $136 | $177 |
| Teens | $227 | $288 | $339 |
| Seniors | $55 | $106 | $151 |
| Recent ticket | $143 | $175 | $223 |
| Recent accident | $127 | $176 | $232 |
| DUI conviction | $143 | $197 | $257 |
| Poor credit | $115 | $165 | $215 |
Get quotes from top companies and find the right coverage.
NJM and Allstate offer the core coverages most drivers need: liability coverage, comprehensive, and collision insurance. These coverages protect you if you cause injury to someone else, cover damage to your own car, help with medical bills after an accident, and provide coverage if an uninsured driver hits you.
The real differences show up in the optional add-ons you can include with your policy. Let’s compare each company’s coverage options side by side.
Coverage Type | NJM | Allstate |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist (UI/UM) | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Accident forgiveness | ✔ | |
| Mechanical breakdown | ✔ | |
| Rideshare endorsement | ✔ | |
| Vanishing deductibles | ✔ | |
| New car replacement | ✔ | ✔ |
| Pet injury | ✔ |
Allstate offers more insurance products, including accident forgiveness, coverage if you drive for Uber or Lyft, and a vanishing deductible that decreases over time if you don’t file claims. NJM takes a simpler approach but stands out for offering pet injury coverage (a perk few insurers offer) that pays vet bills if your pet gets hurt in a car accident.
Car insurance discounts can lower your bill for things like safe driving, bundling options, or going paperless. Each company offers different savings, so it’s worth checking which ones you qualify for.
The table below shows the discounts you’ll find from NJM and Allstate, according to publicly available information.
Discount Type | NJM | Allstate |
|---|---|---|
| Anti-theft | ✔ | |
| Automatic payments | ✔ | ✔ |
| Defensive driver | ✔ | |
| Good student | ✔ | ✔ |
| Early shopper | ✔ | |
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✔ | |
| New car | ✔ | ✔ |
| Paperless billing | ✔ | ✔ |
| Pay-in-full | ✔ | ✔ |
| Safe driver | ✔ | |
| Safety equipment | ✔ | ✔ |
| Student away at school | ✔ | |
| Usage-based/telematics | ✔ | ✔ |
Allstate offers more discounts than NJM. Allstate stands out for options like anti-theft, early shopper, and student away at school savings, while NJM offers discounts such as multi-vehicle and defensive driver. Depending on your situation, one company may offer more ways to save than the other.
Customer complaints give you valuable insight into what it’s really like to deal with an insurance company day to day. Nothing beats hearing from someone who just went through a claim or had to call customer service multiple times to update their address.
Recent customer reviews are more useful than older ones, as a company’s practices can change over time. Look for feedback about claims handling, customer service wait times, and how easy it is to actually get help when you need it.
The reviews below come from Compare.com customers and offer honest insights into what you can expect.
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Usage-based insurance programs monitor your driving habits and can reward you with discounts for safe driving. You’ll install an app, which tracks things like your speed, braking habits, and whether you use your phone while driving. Think of it as a driving report card, in which good grades can lower your premiums.
You can get a discount when you sign up for NJM’s SafeDrive telematics program, which can add more savings based on how well you drive. Allstate’s Drivewise also gives you a sign-up bonus but uses six months of driving data to adjust your insurance rate when your policy renews.
While both programs track similar behaviors like speeding and hard braking, Drivewise also dings you for late-night driving, which can negatively affect your score.
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If you’re still deciding between NJM and Allstate, we’ve compiled answers to the most common questions people ask about these two companies.
It depends. Your specific needs and budget will determine which one best fits you. If top-notch customer service matters most, NJM typically may be the better choice — but only if you live in one of the five states it offers coverage. If you’re looking for broader availability and more coverage options, Allstate is likely the better pick.
No single best car insurance company exists since everyone’s situation is different. The right insurance solution for you should offer reasonable insurance rates, cover your area, provide the coverage you need, and treat customers well during the claims process.
NJM and Allstate both score well on cost, especially for drivers with clean records. But your age, location, driving and insurance history, coverage choices, and policy limits affect what you pay. The only way to know is to get quotes from both companies.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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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