Auto Insurance Comparison
Quick verdict
NJM comes out clearly ahead Grange 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 | Grange | |
|---|---|---|
| Overall score | 4.35 /5 ★★★★★ Highest overall | 3.90 /5 ★★★★★ |
| Best for | NJM is a mutual carrier with one of the strongest customer-satisfaction reputations in the industry | Grange Mutual is a Midwest-and-Southeast regional carrier that competes through independent agents |
| Read full review | NJM review → | Grange review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | NJM | Grange |
|---|---|---|
| Customer experience | 4.80 | 4.00 |
| Coverage breadth | 4.20 | 4.00 |
| Affordability | 4.00 | 3.70 |
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
Grange
Full review →Pros
- Mutual structure with long operating history
- Available across 13 central U.S. states — broader than many regionals
- Good bundling discounts when combined with home insurance
- Solid customer satisfaction reputation
Cons
- No online quoting — every policy through an independent agent
- Pricing is mid-market, not budget
- Less brand recognition than national carriers
Coverage at a glance
What each carrier offers in standard policies.
NJM
Grange
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 reviewGrange
Grange is a solid mid-tier choice in its 13-state footprint, particularly if you bundle with home insurance. Outside that footprint, look elsewhere.
Read the full Grange 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.