Auto Insurance Comparison
Quick verdict
NJM comes out clearly ahead Safety 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 | Safety | |
|---|---|---|
| Overall score | 4.35 /5 ★★★★★ Highest overall | 4.00 /5 ★★★★★ |
| Best for | NJM is a mutual carrier with one of the strongest customer-satisfaction reputations in the industry | Safety Insurance has been a Massachusetts mainstay since 1979 and competes seriously in MA, NH, and ME |
| Read full review | NJM review → | Safety review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | NJM | Safety |
|---|---|---|
| Customer experience | 4.80 | 4.20 |
| Coverage breadth | 4.20 | 4.00 |
| Affordability | 4.00 | 3.80 |
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
Safety
Full review →Pros
- Strong Massachusetts market presence with deep regulatory expertise
- Solid customer satisfaction reputation in operating states
- Competitive bundling discounts when combined with home insurance
- Local agent network with strong state-specific knowledge
Cons
- Only available in MA, NH, and ME
- Mid-market pricing, not a low-cost option
- Limited national brand recognition
Coverage at a glance
What each carrier offers in standard policies.
NJM
Safety
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 reviewSafety
Safety is a fine choice for Massachusetts drivers in particular. Outside MA/NH/ME, it isn't relevant.
Read the full Safety 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.