GEICO vs NJM Insurance

Verdict

GEICO and NJM both sell auto insurance direct, online and by phone, without independent agents. GEICO, a Berkshire Hathaway subsidiary, is the third-largest U.S. auto insurer, with $42.91 billion of private passenger auto premium in 2025 (11.55%) in all 50 states and D.C. NJM, based in West Trenton, New Jersey, wrote $1.74 billion (0.47%) and sells personal auto only in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. It operates in a mutual fashion for its policyholders and is supported by a small group of exclusive agents.

NJM's service record is among the best published. It scored 731 in the J.D. Power 2025 claims study, second of 20 behind Erie, and it ranked first in 2024. GEICO scored 697 (tied 13th). In the J.D. Power 2026 U.S. Auto Insurance Study NJM ranked second in the Mid-Atlantic with 699, after first place in 2025. GEICO was below average in that region. GEICO holds AM Best's A++ (Superior), affirmed April 2026. NJM says it has held an AM Best rating of A or higher for more than 90 years (as stated in July 2025).

NJM includes pet, new car replacement and customization coverage with full coverage, while GEICO offers DriveEasy and deeper affinity discounts. In NJM's states, get quotes from both.

Choose GEICO if

• You live outside Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.
• You want a telematics discount. NJM doesn't list one; GEICO offers DriveEasy.
• You qualify for military, deployed-driver, federal employee or affinity group discounts.
• You want mechanical breakdown insurance on a new car.
• You'd use accident forgiveness. GEICO offers Claim Forgiveness in most states, and NJM doesn't list it.

Choose NJM if

• You live in one of its five states and claims service is your priority.
• You carry collision and comprehensive and want limited pet coverage, new car replacement and customization coverage included.
• You want temporary transportation that can pay for a rental, rideshare or taxi while your car is fixed.
• You live in the Mid-Atlantic, where NJM ranked second in 2026 and GEICO scored below average.
• You have a teen driver and want NJM's Teen Driver Safety Program and driver-training discounts.

Key differences

In New Jersey and Pennsylvania you'll also choose between full and limited tort, which affects your right to sue (see Choice no-fault: New Jersey, Pennsylvania and Kentucky). Make the same choice on both quotes. regional car insurers: when smaller carriers can beat the giants explains how smaller carriers compete, and the car insurance quote comparison worksheet keeps coverage aligned.