NGM Auto Insurance Review (2024)
NGM Insurance Company in Jacksonville, Florida, is part of the Main Street America Group of insurance companies. It sells auto, home, life, and other insurance products. Read more to learn about the auto insurance offered by NGM Insurance and see how it compares to the competition. To make sure you have the most affordable NGM auto insurance quotes, use our comparison tool now.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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NGM Insurance Company
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LowFinal Verdict: Review of NGM Insurance Company
If you are trying to find out how to get cheap auto insurance from NGM Insurance Company, you are in the right place.
NGM Insurance Company (National Grange Mutual Insurance Company) is the main insurance provider of the Main Street America Group of insurance companies. They are one of the Main Street America Group subsidiaries.
What is Main Street America? The Main Street America Group in Jacksonville, FL, where the company headquarters is located, provides insurance services throughout the country. They provide insurance policies for both businesses and individuals.
Is Grange Insurance a good company? This NGM auto insurance review will tell you what the NGM Insurance Company is all about and so much more.
If you’d like to find affordable NGM auto insurance, enter your ZIP code for free online auto insurance quote comparisons.
- NGM Insurance Company is headquartered in Jacksonville, Florida and provides insurance services throughout the country.
- NGM's business is divided into six different regions: Northeast, New England, Mid-Atlantic, West, Southwest, and the Southeast.
- NGM and Main Street America prefer to utilize local, independent agents rather than corporate agents.
What You Should Know About NGM Insurance Company
Customer reviews for NGM are scant, probably because they are a regional carrier that doesn’t get a lot of national attention. But, among the reviews we were able to find, the company scored an average of two out of five.
The cost of policies and the coverage they offer tended to get higher marks, while claims service and overall customer service tended to receive lower marks.
In terms of insurance company reviews, this scenario is not unusual. It’s quite often that unhappy customers are more inclined to write reviews, thereby resulting in lower ratings in the customer service department.
NGM has an A+ rating with the Better Business Bureau and the NGM Insurance A.M. Best rating is an A+ based on issuer credit rating and an A based on its financial strength rating. A.M. Best also sees NGM as having a stable outlook.
What’s the Auto Insurance History of NGM Insurance?
National Grange Mutual is the primary insurance carrier of the Main Street Insurance Group, which consists of eight companies:
- NGM Insurance Company
- Old Dominion Car Insurance Company
- Grain Dealers Mutual Insurance Company
- Main Street America Protection Insurance Company
- Main Street America Assurance Company
- NSA Insurance Company
- Austin Mutual Insurance Company
- Spring Valley Mutual Insurance Company
Main Street Insurance Group was founded in 1923 and offers coverage in 37 states. The group also offers surety and fidelity bonds in 47 states and the District of Columbia.
Together, these companies provide a wide variety of affordable insurance lines including auto, home, life, excess liability, and specialty products.
Their client list includes not only individual consumers at the retail level, but also small businesses, sole proprietors, and not-for-profit organizations.
Their leadership includes NGM Insurance Company asset management ARM (Associate in Risk Management) trained experts.
How is NGM Insurance’s online presence?
National Grange Mutual Insurance does provide its customers with a website where they can find a local agent, make a payment, file a claim, and do a variety of other insurance-related tasks.
The site allows you to find a variety of contact information, such as the NGM Insurance Company’s Keene, NH fax number, for example.
Online payments through the company website can be made using the Main Street America (MSA) group bill matrix by means of electronic funds transfer (EFT).
You can also use the NGM website to request an ID card, a certificate of insurance, or a policy change. NGM insurance’s covid information for those affected by the Covid-19 pandemic is also available online.
NGM Insurance Company Insurance Coverage Options
One thing you’ll need to decide before purchasing your auto insurance policy is how much coverage you need. Most states have a minimum liability coverage requirement and you’ll need to fulfill this requirement at the very least to drive legally.
If you decide that you need more than the minimum coverage required by your state, there are a number of different options available to you as additional coverage.
The table below shows some of the different types of policies and coverages available to you, along with what they do.
| Auto Coverage Type | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you’ve injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you’re not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you’ve caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you’re in an automobile accident caused by a driver with little or no car insurance |
Always check with your insurance company to see what add-ons, endorsements, and riders are available to you, and make sure to take into account price and need when adding these things to your insurance policy.
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NGM Insurance Company Insurance Rates Breakdown
There are often many benefits to choosing an insurance agent in your area for your insurance needs.
For one, these agents often act as brokers, meaning that they have more leeway when it comes to working with various insurance companies to customize a policy that’s right for you.
Smaller companies are often more personalized when it comes to customer service as well.
The auto insurance market is very competitive and reputation is one thing that smaller companies can leverage to their advantage since they’re able to provide service on a more personal level.
You can take a look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. The table shows average annual rates based on coverage levels.
| Coverage Types | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive coverage | $150.36 | $12.53 |
| Collision coverage | $299.73 | $24.97 |
| Liability coverage | $516.39 | $43.03 |
| Total Full Coverage Cost | $954.99 | $79.58 |
It’s important to keep in mind that these are just general estimates. Your actual rates will depend on a variety of factors, such as age, driving history, ZIP code, etc.
What is NGM Insurance Company’s availability by state?
National Grange Mutual is part of the Main Street Insurance Group and offers coverage in 37 states. The group also offers surety and fidelity bonds in 47 states and the District of Columbia.
If you’re looking for an independent agent, they operate through six different regions: Northeast, New England, Mid-Atlantic, West, Southwest, and Southeast.
NGM and Main Street America prefer to utilize local, independent agents rather than corporate agents.
They do so because independent agents have the freedom to represent seven or eight different auto insurance carriers, giving them the flexibility to match the right insurance policy with each individual customer.
The company also believes in the value of personal, one-on-one relationships with agents, believing that they better facilitate the insurance process.
On the Main Street America website, the company provides a “find an agent” link. The link redirects your browser to a standard search page that allows you to find a local auto insurance agent based on your address.
For more information about these additional offices, you’re encouraged to contact the corporate headquarters using the information listed above. The NGM auto insurance phone number is 1-800-468-3466.
NGM Insurance Company Discounts Available
Generally, your discount options through your auto insurance company depend on what each provider has to offer, but many discounts are standard throughout the industry.
The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.
| Discounts Offered | Average Percentage of Savings | Auto Insurance Companies Offering Discounts |
|---|---|---|
| Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
| Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
| Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
| Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual |
| Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your auto insurance. NGM offers the following discounts:
| NGM Auto Insurance Discounts Offered |
|---|
| Accident Prevention Course |
| Accident-Free |
| Anit-Theft |
| Coverage Level |
| Driver Training |
| Electronic Funds Transfer |
| Good Student |
| Loyalty |
| Mature Operator (65+) |
| Multi-Policy |
| Multi-Vehicle |
| New Customer |
| New Vehicle |
| Paid in Full |
| Student Away from School |
| Vehicle Safety |
| Violation-Free |
NGM also offers discounts for bundling your insurance policies.
Frequently Asked Questions
Does NGM Insurance offer SR-22 insurance?
If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.
Normally, high-risk drivers are required to purchase SR-22 insurance, which is not available through all companies, so it may take some looking around to find coverage.
The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.
Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.
What kinds of questions should I be prepared for when purchasing my auto insurance policy?
When you apply for an auto insurance policy, you’ll be asked a series of demographic questions such as your name, age, sex, etc. You’ll also be asked a variety of other questions aimed at assessing your risk as a driver.
Some of the things the insurance company will want to know about are your driving record, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.
Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates.
This is known as the underwriting process. By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. They’ll examine your risk factors and decide if they want to insure you, and if so, at what rate.
Are there benefits to using an agent to purchase auto insurance?
While it is possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.
First of all, if you choose to go with a local agent, you’ll get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company.
With a local agent, it’s quite possible that you may speak to the same person about your policy every time.
Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the large budget that these companies use for direct marketing.
This can even out the playing field when it comes to price, meaning that a local agent can often offer you the same prices you’d see when buying directly from a large insurance company.
How does adding drivers to my auto insurance policy affect my rates?
Adding another driver to your auto insurance policy means that your car will be spending more time on the road since a second person will be driving it.
That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk, too.
For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced, and auto insurance companies see them as high-risk.
There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household.
Always check with your auto insurance provider to see who you can add to make sure that whoever is driving your vehicle is covered on the policy.
Why would my provider cancel my auto insurance policy?
Your auto insurance provider may cancel your policy if you do any of the following:
- Get your driver’s license suspended or revoked
- Lie during the application process
- Fail to pay your auto insurance premium
Your auto insurance company may also choose not to renew your policy if they determine you to be a high-risk driver.
Does NGM Insurance Company offer home and life insurance in addition to auto insurance?
Yes, NGM Insurance Company offers a range of insurance products, including auto, home, life, and other specialty insurance options.
What is the Better Business Bureau rating for NGM Insurance Company?
NGM Insurance Company has an A+ rating with the Better Business Bureau, indicating a high level of trustworthiness and customer satisfaction.
Can I make online payments for my NGM Insurance Company policy?
Yes, NGM Insurance Company provides online payment options through their website, including electronic funds transfer (EFT) for convenient and secure payments.
Can I bundle my auto insurance policy with other insurance policies from NGM Insurance Company?
Yes, NGM Insurance Company offers multi-policy discounts, allowing you to bundle your auto insurance policy with other insurance products they offer for potential cost savings.
Does NGM Insurance Company offer roadside assistance coverage?
Roadside assistance coverage is not mentioned in the provided content. For information regarding roadside assistance or any additional coverage options, it’s recommended to contact NGM Insurance Company directly or consult their policy documents.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
