Auto Insurance Comparison
NJM vs Foremost
Side-by-side comparison of NJM vs Foremost auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
NJM comes out clearly ahead Foremost 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 | Foremost | |
|---|---|---|
| Overall score | 4.35 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | NJM is a mutual carrier with one of the strongest customer-satisfaction reputations in the industry | Foremost Insurance is Farmers' specialty arm, originally known for manufactured-home insurance and now writing non-standard auto, RV, motorcycle, and seasonal-property coverage |
| Read full review | NJM review → | Foremost review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | NJM | Foremost |
|---|---|---|
| Customer experience | 4.80 | 3.60 |
| Coverage breadth | 4.20 | 3.80 |
| Affordability | 4.00 | 3.50 |
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
Foremost
Full review →Pros
- Strong specialty positioning for manufactured homes, RVs, and motorcycles
- Backed by Farmers financial strength
- Accepts non-standard auto risk
- Available across all 50 states for at least some lines
Cons
- Not a fit for standard-risk auto shoppers
- Customer satisfaction trends mid-pack
- Best for specialty lines, not mainstream auto
Coverage at a glance
What each carrier offers in standard policies.
NJM
Foremost
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 reviewForemost
Foremost makes sense for specialty needs — manufactured-home, RV, motorcycle — or non-standard auto. For mainstream auto coverage, look at GEICO, Progressive, or Farmers' main book.
Read the full Foremost 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.