Auto Insurance Comparison
Quick verdict
NJM comes out clearly ahead Titan 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 | Titan | |
|---|---|---|
| Overall score | 4.35 /5 ★★★★★ Highest overall | 3.05 /5 ★★★★★ |
| Best for | NJM is a mutual carrier with one of the strongest customer-satisfaction reputations in the industry | Titan is a non-standard auto carrier that's now part of Nationwide's portfolio, specializing in SR-22 filings and drivers with adverse records |
| Read full review | NJM review → | Titan review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | NJM | Titan |
|---|---|---|
| Customer experience | 4.80 | 2.90 |
| Coverage breadth | 4.20 | 2.80 |
| 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
Titan
Full review →Pros
- Backed by Nationwide — solid financial strength for a non-standard carrier
- Strong SR-22 specialization
- Accepts profiles other carriers reject
Cons
- Customer satisfaction below industry averages
- Limited geographic footprint
- Not a fit for standard-risk drivers
Coverage at a glance
What each carrier offers in standard policies.
NJM
Titan
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 reviewTitan
Titan is worth a quote if you need SR-22 filing in the states it operates. Standard-risk drivers should shop mainstream first.
Read the full Titan 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.