Auto Insurance Comparison
Quick verdict
NJM comes out clearly ahead AIG in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| NJM | AIG | |
|---|---|---|
| Overall score | 4.35 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | NJM is a mutual carrier with one of the strongest customer-satisfaction reputations in the industry | AIG's personal auto offering is part of its Private Client Group, designed for high-net-worth households with valuable vehicles, complex coverage needs, or international exposure |
| Read full review | NJM review → | AIG review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | NJM | AIG |
|---|---|---|
| Customer experience | 4.80 | 4.10 |
| Coverage breadth | 4.20 | 4.60 |
| Affordability | 4.00 | 2.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
NJM
Full review →Pros
- Industry-leading customer satisfaction in independent surveys year after year
- Mutual structure means dividends to policyholders, not shareholders
- Strong claims-handling reputation with very low complaint volumes
- Competitive pricing for clean records and mature drivers in its footprint
Cons
- Only available in NJ, PA, OH, MD, and CT — no national availability
- Limited brand presence and ad spend means fewer people know it exists
- Less aggressive on telematics and usage-based programs than digital natives
AIG
Full review →Pros
- Among the deepest coverage menus in the personal-auto market
- High-limit options for valuable vehicles and complex risk profiles
- Strong claims-handling for high-value losses
- Integration with broader AIG private-client services (international, art, jewelry)
Cons
- Premium pricing — not competitive for mainstream shoppers
- Eligibility limited to high-net-worth households (typical minimums apply)
- Less geographic availability than mainstream carriers
Coverage at a glance
What each carrier offers in standard policies.
NJM
AIG
The bottom line
NJM
If you're in NJ, PA, OH, MD, or CT, get a quote. NJM is one of the carriers most likely to actually deliver on what every insurance ad promises.
Read the full NJM reviewAIG
AIG Private Client makes sense for high-net-worth households with complex coverage needs and valuable vehicles. For mainstream auto coverage, look at GEICO or Progressive instead.
Read the full AIG reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.