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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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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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.
Picking between GEICO and NJM feels a bit like choosing between a bustling chain restaurant and a neighborhood favorite that everyone keeps coming back to.
GEICO is part of Berkshire Hathaway, the third-largest private-passenger auto insurance company in the U.S. New Jersey Manufacturers (NJM) ranks No. 25.[1] GEICO operates on a massive scale with coast-to-coast availability, while NJM is a regional insurer that offers coverage in a handful of states.
Let’s compare both to find out which is the best insurer for coverage options, car insurance discounts, and overall customer experience.
NJM earns higher customer satisfaction scores and matches GEICO on affordability, despite its limited availability.
Both companies have solid financial strength ratings and dependable coverage, but the better fit depends on your priorities.
GEICO provides optional coverages such as rideshare and mechanical breakdown, while NJM offers gap insurance.
| User Reviews | 4.0 |
|---|---|
| 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. | 4.6 /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. | $93/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. | $138/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO serves customers nationwide, giving it a clear advantage over NJM's regional footprint. The company has a reputation for providing fast auto insurance quotes and user-friendly digital tools. It also boasts an AM Best financial strength rating of A++ (Excellent).[2]
The insurer’s efficiency-focused approach comes with trade-offs. NJM outperforms GEICO in customer service, suggesting that GEICO's emphasis on scale and speed might sometimes come at the expense of personalized service.
Wide availability of coverage
Many discounts
Easy policy management
Lower customer satisfaction scores
Below-average claims satisfaction[3]
Gap insurance not available
| 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 takes a different approach than GEICO. As a mutual company, NJM answers to its customers. But coverage is only available in New Jersey, Maryland, Connecticut, Ohio, and Pennsylvania.
Its regional focus helps NJM understand local driving conditions and build stronger customer relationships, but it won’t help if you live outside its coverage area. NJM’s A+ (Excellent) financial strength rating sits just below GEICO's A++ (Excellent) status, though both maintain solid financial footing.
Top-notch customer satisfaction
Member-owned company
Many available discounts
Coverage available in only five states
Limited customer service hours
Accident forgiveness not available
When shopping for car insurance, consider how each company might affect your experience and wallet. You’ll want to consider factors like monthly costs, how well the company treats customers, and how easy it is to manage your policy day to day.
Different drivers care about different things. Maybe you’re focused on saving every dollar, or perhaps you’re willing to pay a little extra for premium service.
Here’s how GEICO and NJM measure up across the five most important categories that matter to customers, according to our research.
Category  | GEICO | NJM |
|---|---|---|
| Cost | 5/5 | 5/5 |
| Customer satisfaction | 4/5 | 5/5 |
| Policy management | 4.8/5 | 4.2/5 |
| Availability | 5/5 | 3/5 |
| Industry reputation | 5/5 | 3.5/5 |
| Overall Score | 4.95/5 | 4.63/5 |
NJM leads for affordability and customer satisfaction, while GEICO scores higher for convenience and availability. GEICO's digital tools give it an edge for drivers who value hands-on policy control, but NJM stands out for customers who prioritize value and personal service.
Our editorial team analyzes and grades each insurer based on factors like 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 pricing depends on how insurers assess risk for different drivers. Your rates will vary based on factors like your age, driving record, credit history, and location.
The calculation isn’t standard. Companies use different formulas and priorities when crunching these numbers. That’s why some insurers’ rates may seem reasonable while others may be drastically higher for the exact same coverage.
It’s always smart to compare quotes from multiple companies because the cheapest company might not be the one you’d expect. For example, a company that offers great rates for seniors with clean driving records might charge significantly more for drivers with a recent accident. Your personal profile determines which insurer gives you the best deal.
The chart below shows average monthly premiums for different driver profiles across both companies.
Driver Type | GEICO | NJM | Industry Average |
|---|---|---|---|
| All drivers | $138 | $95 | $177 |
| Teens | $246 | $227 | $339 |
| Seniors | $101 | $55 | $151 |
| Recent ticket | $185 | $143 | $223 |
| Recent accident | $166 | $127 | $232 |
| DUI conviction | $187 | $143 | $257 |
| Poor credit | $168 | $115 | $215 |
Get quotes from top companies and find the right coverage.
You’ll find standard coverages with any major insurer, but companies often have unique policy features, optional add-ons, and specialty protections. Both GEICO and NJM cover the basics well. Still, each company offers coverage that the other doesn’t.
Let’s take a look at the coverage available from GEICO and NJM.
Coverage Type | GEICO | NJM |
|---|---|---|
| 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 | ✔ |
GEICO's policies cater to modern conveniences, like rideshare protection for gig workers. It also offers mechanical breakdown coverage, which NJM doesn’t offer. NJM focuses on practical but valuable coverage add-ons, such as gap insurance and new car replacement — both of which GEICO doesn’t offer.
It’s important to note that to qualify for NJM’s new car replacement and pet coverage, you must have a full-coverage policy that includes both comprehensive and collision coverage.
Car insurance discounts can help lower your premium for things like safe driving, bundling options, or paying your bill in full. Each insurer builds its own discount lineup, so the exact savings you qualify for will vary from company to company.
Here’s a side-by-side look at which discounts GEICO and NJM offer.
Discount Type | GEICO | NJM |
|---|---|---|
| Affinity | ✔ | |
| Alternative energy | ||
| Anti-theft | ✔ | |
| Automatic payments | ✔ | ✔ |
| Defensive driver | ✔ | ✔ |
| Good student | ✔ | ✔ |
| Early shopper | ✔ | |
| Federal employee | ✔ | |
| Homeowner | ✔ | |
| Military | ✔ | |
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ |
| New car | ✔ | ✔ |
| Paperless billing | ✔ | ✔ |
| Pay-in-full | ✔ | ✔ |
| Safe driver | ✔ | |
| Safety equipment | ✔ | ✔ |
| Student away at school | ✔ | |
| Usage-based/telematics | ✔ | ✔ |
GEICO stands out for the most discounts, offering 18 compared to NJM’s 10. Both companies offer common discounts like bundling, multi-car discounts, paying in full, and going paperless.
But GEICO offers more opportunities to save, including discounts for military members, federal employees, and homeowners — even if you buy your homeowners policy with another company.
Real customer feedback tells you what actually happens after you buy a policy, not just what the website promises. Pay attention to both positive and negative reviews to get the whole picture. Reading recent reviews helps you understand how companies handle claims, treat customers during stressful situations, and follow through on commitments.
It also reveals how well each company’s business model works in practice. For instance, GEICO's larger scale might mean faster digital processes but potentially less personal attention. But NJM's regional focus may translate to a more personal touch but fewer resources during high-demand times.
Below, you’ll find reviews from verified NJM and GEICO customers. Here’s feedback about both companies:
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Usage-based insurance tracks your actual driving habits using a mobile app or a device that plugs into your vehicle, then rewards you with lower rates for safe driving. Both GEICO and NJM have telematics programs to help cut your car insurance bill.
GEICO’s DriveEasy program can lead to more savings the safer you drive. The mobile app analyzes behaviors like quick acceleration, sharp turns, sudden stops, and phone use while you drive. It also factors in what time of day you typically drive.
NJM's SafeDrive gives you an automatic discount for just enrolling, with additional savings based on your driving performance. The app tracks similar behaviors, like speeding, sudden stops, distracted driving, and total mileage, and the time of day you drive.
Compare quotes from 100+ top insurance companies and save money in seconds.
Here are some common questions we hear most often from drivers trying to choose between GEICO and NJM car insurance.
It depends on what matters most to you. NJM tends to have happier customers and more personal service, but coverage is only available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. GEICO is widely available and has stronger digital tools, but it has slightly lower customer satisfaction scores.
You won’t find a single best car insurance company for every driver. Everyone’s needs are a little different, and what works for your neighbor might not work for you. Look for an insurer that balances affordable rates, policy offerings, and good customer service. Compare quotes and read recent customer reviews to find your best match.
NJM generally costs less than GEICO, according to our data. Still, how much you pay varies significantly based on your specific situation. Getting a quote from each company can reveal the cheapest option for you.
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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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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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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