Auto-Owners vs NJM Insurance Car Insurance for 2025

Car insurance is a must-have for every driver, but with so many options available in the market, it can be overwhelming to choose the right one.

In this article, we will compare two of the top car insurance companies, Auto-Owners car insurance and NJM car insurance, and help you make an informed decision.

• Auto-Owners Insurance has been ranked #1 in the J.D. Power Auto Claims Satisfaction Study for six consecutive years.
• NJM Insurance is one of the few car insurance companies that offer dividends to its policyholders, which means you can get back a portion of your premium if the company performs well financially.
• Both companies have high customer satisfaction ratings, with Auto-Owners Insurance receiving an A+ rating from the Better Business Bureau and NJM Insurance receiving an A+ rating from A.M. Best.

We’ll take a closer look at their history, products and services, pricing, discounts, and customer reviews, so you can find the best coverage at the best price.

History and Mission

Auto-Owners Insurance was founded in 1916 in Michigan and has since expanded to provide coverage in 26 states. The company’s mission is to provide “peace of mind to their policyholders” through quality coverage and excellent customer service. Auto-Owners offers a wide range of insurance products, including car, home, life, and business insurance.

NJM Insurance, on the other hand, was founded in 1913 in New Jersey and exclusively provides coverage to policyholders in that state and Pennsylvania. The company’s mission is to offer “unmatched value” to its customers by providing excellent coverage at affordable prices. NJM Insurance offers various insurance products, including car, home, renters, and umbrella insurance.

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Products and Services

Auto-Owners Insurance offers a variety of insurance products and services, including car insurance, home insurance, life insurance, business insurance, and umbrella insurance.

• Liability coverage: This is required in most states and covers damages and injuries you cause to other people and their property.
• Collision coverage: This covers damages to your vehicle in case of a collision with another car or object.
• Comprehensive coverage: This covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.
• Personal injury protection (PIP): This covers medical expenses and lost wages if you or your passengers are injured in a car accident.
• Uninsured/underinsured motorist coverage: This covers damages and injuries if you are involved in an accident with a driver who does not have insurance or enough insurance to cover the damages.

In addition to these basic coverages, Auto-Owners Insurance also offers add-ons such as roadside assistance, rental car coverage, and pet injury coverage.

NJM Insurance also offers a variety of insurance products and services, including car insurance, home insurance, renters insurance, and umbrella insurance.

• Liability coverage: This covers damages and injuries you cause to other people and their property.
• Collision coverage: This covers damages to your vehicle in case of a collision with another car or object.
• Comprehensive coverage: This covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.
• Personal injury protection (PIP): This covers medical expenses and lost wages if you or your passengers are injured in a car accident.
• Uninsured/underinsured motorist coverage: This covers damages and injuries if you are involved in an accident with a driver who does not have insurance or enough insurance to cover the damages.

NJM Insurance also offers add-ons such as roadside assistance and rental car coverage. They also offer various discounts to their customers to help them save money on their premiums. It’s important to compare the specific products, pricing, and discounts offered by each company to determine which one is the best fit for your needs and budget.

Cost of Insurance

The cost of car insurance from Auto-Owners Insurance and NJM Insurance will depend on a variety of factors, including your age, driving history, location, and the type of coverage you choose. Generally speaking, both companies offer competitive rates and strive to provide affordable coverage to their customers.

In summary, both Auto-Owners Insurance and NJM Insurance strive to provide competitive and affordable car insurance rates to their customers. However, individual pricing will vary based on a range of factors, and it’s important to obtain quotes from multiple companies and compare coverage options to determine the best fit for your needs and budget.

States Where Coverage Is Offered

Auto-Owners Insurance offers coverage in 26 states, including Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin. In these states, Auto-Owners Insurance provides a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, and more.

NJM Insurance, on the other hand, primarily offers coverage to customers in the northeastern region of the United States. NJM Insurance currently offers car insurance coverage in New Jersey and Pennsylvania. In addition to car insurance, NJM Insurance also provides homeowners insurance, renters insurance, and umbrella insurance coverage to customers in these states.

t’s important to note that the availability of coverage options and pricing may vary based on the state you reside in.

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Available Discounts

Auto-Owners Insurance and NJM Insurance offer a range of discounts to help customers save money on their car insurance premiums. Here are some of the discounts offered by each company:

Auto-Owners Insurance:

• Multi-policy discount: Customers who have multiple policies with Auto-Owners Insurance, such as home and auto insurance, can qualify for a discount on their premiums.
• Safe driver discount: Customers who have a clean driving record and no accidents or violations within a certain time period may be eligible for a safe driver discount.
• Good student discount: Full-time students who maintain a certain GPA or are on the honor roll may qualify for a discount on their car insurance premiums.
• Teen driver discount: Parents who add a teenage driver to their policy may be eligible for a discount.
• Anti-theft device discount: Customers who have anti-theft devices installed in their vehicles may qualify for a discount on their premiums.

NJM Insurance:

• Multi-car discount: Customers who insure multiple vehicles with NJM Insurance may qualify for a discount on their premiums.
• Safe driver discount: Customers who have a clean driving record and no accidents or violations within a certain time period may be eligible for a safe driver discount.
• Good student discount: Full-time students who maintain a certain GPA or are on the honor roll may qualify for a discount on their car insurance premiums.
• Mature driver discount: Customers who are 55 years of age or older and have completed a state-approved defensive driving course may be eligible for a discount.
• Auto safety equipment discount: Customers who have certain safety features installed in their vehicles, such as airbags or anti-lock brakes, may qualify for a discount on their premiums.

It’s important to note that not all discounts are available in all states or with all policy types. When shopping for car insurance, it’s important to ask about available discounts and how you may qualify for them.

Customer Reviews

Auto-Owners Insurance and NJM Insurance are both reputable car insurance companies that have received positive reviews from their customers.

Both Auto-Owners Insurance and NJM Insurance have positive reviews from their customers. When choosing a car insurance company, it’s important to consider factors such as pricing, coverage options, and customer service in addition to reviews.

Additionally, it’s important to shop around and compare quotes from multiple companies to ensure you find the best fit for your needs and budget.

Roundup: Auto-Owners vs NJM

In conclusion, both Auto-Owners Insurance and NJM Insurance are reputable car insurance companies that offer a range of products and services at competitive prices. While Auto-Owners Insurance has a larger geographical coverage area and more diverse product offerings, NJM Insurance has a strong reputation for excellent customer service and is well-regarded in the Mid-Atlantic region.

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