Njm vs. Personal Service: Which Company is the Best Fit for You?

Wondering if Njm or Personal Service is the best car insurance company for you, your vehicle, and your wallet? We've broken down all the rates and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Njm offers significantly less expensive prices than Personal Service
  • Njm has cheaper premiums for policyholders who have a short commute
  • Njm tends to be a much more affordable option for drivers who have less-than-stellar credit

Njm vs. Personal Service: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Njm or Personal Service, but between the two, which company will offer you cheaper prices?

Njm Personal Service

Looking at the national average rates for both companies, Njm is quite a bit cheaper than Personal Service, with premiums averaging $137 per month compared to $325 with Personal Service.

That being said, that doesn't mean Njm will necessarily be less expensive than Personal Service for every single driver. Car insurance carriers vary their rates depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and a variety of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Njm or Personal Service is really the best for you, keep reading to see average rates for each carrier broken down by lots of different rate factors.

Njm or Personal Service: Average Car Insurance Rates by State

State Njm Personal Service

Both Njm and Personal Service only offer insurance in New Jersey, so you'll see that the average figures here will mirror the ones we mentioned above. For New Jersey residents, Njm offers auto insurance for $137 a month on average. Personal Service's average prices come out to be over 70% more expensive, at $325 per month.

Typically, the state you live in will play a large role in how much you pay for insurance, but since both companies only do business in New Jersey, a whole bunch of other factors will come into play when you compare Njm and Personal Service. Read on to learn more.

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Which is the Best Company For Young Drivers?

Njm Personal Service
18-year-old drivers$266$624
25-year-old drivers$130$318

You might already know that teen drivers generally pay a lot more for auto insurance than any group out there on the road. It's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Njm for their car insurance pay more than $350 less than those who use Personal Service.

Even so, both companies will offer you dramatically lower premiums once you turn 25. For example, average prices for Njm policyholders decrease nearly $150 and Personal Service's rates drop over $300 over that time.

Which is the Best Company for Retired Drivers?

Njm Personal Service
65+-year-old drivers$96$231

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

But who has the best premiums for retired drivers between Njm and Personal Service? Njm gets the edge, with rates for drivers 65 and older almost 60% more affordable than the national average for Personal Service.

Which is the Best Company for Married Drivers?

Njm Personal Service

You may not be aware, but car insurance prices tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married couples having several cars on their policy -- something several insurance carriers will reward with discounts.

When it comes to relationship status, Njm is the clear winner for single policyholders, with premiums about $213 a month cheaper than Personal Service, on average. The advantage is also clear for married policyholders - Njm offers the lowest average prices.

Njm vs. Personal Service: Average Rates by Gender

Njm Personal Service

You may not know, but car insurance is typically more expensive for men than for women. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher rates.

Usually, men see premiums around 1% per month higher with Njm, while with Personal Service, the difference is closer to 13% a month.

When it comes to the most affordable rates for each gender, Njm offers the cheapest average prices for both men and women. On average, women save about $166 per month and men save about $211 with Njm compared to the average Personal Service policyholder.

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Njm or Personal Service: Compare State Minimum vs. Full Coverage Rates

Njm Personal Service
State Minimum*$92$228
Full Coverage**$181$422

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability limits, Njm usually offers significantly more affordable premiums of $92 compared to Personal Service's $228. When it comes to full coverage policies with similar limits, Njm again has the edge, with policies around $250 a month less expensive than Personal Service, on average.

Is Njm or Personal Service Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Njm Personal Service
Clean Record$122$258
1 Speeding Ticket$151$293

Njm policyholders can expect their premiums to go up an average of $29 per month if they get a ticket, while Personal Service generally raises prices about $35 a month, on average.

However, Njm has cheaper rates for drivers in both categories -- their rates are around 53% more affordable for drivers with clean records and 48% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Njm Personal Service
Clean Record$122$258
1 At-Fault Accident$122$348

After an accident, drivers who have their car insurance through Njm can expect to see around an $0 -- or about 0% -- increase in their insurance premiums. Drivers who use Personal Service for their auto insurance will see a monthly bill around $90 (or 26%) more expensive after reporting an accident to their car insurance company.

Overall, the more affordable prices come from Njm, with monthly premiums averaging $122 compared to Personal Service Insurance Company's $348.

Which Company is Best for Drivers with a DUI?

Njm Personal Service
Clean Record$122$258
1 DUI$151$400

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. Personal Service drivers usually see a 36% increase in their insurance rates after a DUI charge, while Njm will usually raise prices by about 19%.

If you have a DUI on your record and are looking for more affordable rates, Njm tends to be the much cheaper option with average prices of $151 monthly compared to $400 from Personal Service.

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How does Credit Score Impact Njm and Personal Service Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly auto insurance premiums. This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it does affect lots of drivers out there.

The reasoning insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

Looking specifically at Njm and Personal Service, which carrier has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Njm Personal Service
Excellent Credit Score$100$262
Good Credit Score$117$312

If you have solid credit, you'll usually find a better deal with Njm. Policyholders with "excellent" credit can save over 60% compared to Personal Service, and those with "good" scores can also expect to see savings -- around $195 or 63% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Njm Personal Service
Fair Credit Score$133$345
Poor Credit Score$196$380

Njm typically offers lower rates than Personal Service when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $212 per month less with Njm compared to Personal Service, and those with "poor" scores typically save an average of around $184 per month.

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Is Njm or Personal Service Better for Drivers who Work from Home or Have Short Commutes?

Njm Personal Service
6,000 Annual Miles$131$325
12,000 Annual Miles$142$325

How much you drive can have a pretty big impact on your monthly car insurance bill. Usually, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Personal Service charges. However, there's a small difference in monthly rates for Njm, with drivers who put 6,000 miles on their car annually paying about $11 less every month compared to those who drive 12,000 miles each year. Still, Njm is the less expensive option for drivers in both categories.

Njm vs. Personal Service: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a sizable impact on your monthly auto insurance payment. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Njm Personal Service
Urban Areas$161$402
Suburban Areas$131$355
Rural Areas$117$217

Njm boasts the most affordable average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Njm offers prices around $161 a month compared to Personal Service's $402. People who live in suburban ZIP codes can expect to pay about $131 a month for Njm and $355 for Personal Service. Lastly, those in rural areas tend to get the lowest rates from both companies, with average monthly prices coming in at $117 and $217 for Njm and Personal Service respectively.

Njm vs. Personal Service Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the table below, we've taken a look at all of the different discounts Njm and Personal Service offer their customers so that you can see which one can save you the most money each month.

Njm Personal Service
ABS Discount 
Anti-Theft Discount
Cellphone Safety Discount 
Defensive Driver Discount
Driver Training Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Payer Discount 
Good Student Discount 
Homeowner Discount 
Multi-Car Discount 
Multi-Car/Single Driver Discount 
Multi-Policy Discount 
New Business Discount 
New Vehicle Discount 
Paid In Full Discount
Passive Restraint Discount
Prior Insurance Discount 
Telematics Discount 

Looking at the total number of discounts, Njm has the advantage when it comes to total number of discounts. Personal Service offers a grand total of 10 discounts, while Njm has 14.

There are a couple discounts both carriers offer, but Njm also offers ABS discounts, driver training discounts, EFT discounts, and more that Personal Service does not.

On the flip side, Personal Service has a couple unique discounts of its own -- cellphone safety discounts, good payer discounts, discounts for being a homeowner, and more.

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Final Thoughts: Is Njm or Personal Service Best for You?

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right fit for you?

Njm might be best for you if....

  • You have an at-fault accident on your record.
  • You're looking for the carrier with the most discounts.
  • You've started working from home and don't have much of a commute.

Personal Service might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Njm and Personal Service. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Njm and Personal Service. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

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Njm vs. Personal Service FAQs

Is Njm or Personal Service cheaper?

Looking just at the national average rates, Njm is the more affordable of the two companies, offering average rates of $137 per month compared to $325 for Personal Service. But Njm won't necessarily be the most affordable company for everyone, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Njm or Personal Service?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Njm and Personal Service offer me different rates?

Insurance carriers take a look at a lot of different factors when calculating the prices they charge policyholders. Things like age, where you park your vehicle, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Njm and Personal Service use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Njm or Personal Service is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Njm or Personal Service at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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