NGM Auto Insurance Review (2022)

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.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Aug 30, 2022

Advertiser Disclosure

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: Aug 30, 2022

Advertiser Disclosure

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.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Aug 30, 2022Fact Checked
Quick Read

The Bottom Line

NGM Auto Insurance Review: What’s the Bottom Line

Now that you know everything you need to know about NGM Insurance, we hope that you’ll feel more confident in purchasing your policy.

Which part of this guide was the most helpful for you? Are you ready to buy NGM auto insurance?

To make sure you have the best NGM auto insurance rates, enter your ZIP code below and start comparing FREE auto insurance quotes now.

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.

Is NGM Insurance Company a Good Choice?

What Auto Insurance Ratings does NGM Insurance have?

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 Rates

How to get NGM Auto Insurance Rates

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.

Average Auto Insurance Rates by Coverage
Coverage TypesAverage 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
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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.

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NGM Insurance Company Discounts Available

What discounts are offered by NGM Insurance?

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.

Standard Auto Insurance Discounts Offered by Major Companies
Discounts OfferedAverage Percentage
of Savings
Auto Insurance Companies Offering
Discounts
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Defensive driving discount10%–15%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
Safe driver discount10%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Military and federal employee discount8%–15%GEICO, Esurance, USAA
Good student discount5%–25%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount 5%–10%GEICO, Allstate, Liberty Mutual
Homeowner discount3% State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
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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:

Auto Insurance Discounts Offered by NGM
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
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NGM also offers discounts for bundling your insurance policies.

NGM Insurance Company Coverage Options

What Auto Insurance Coverages are Offered by NGM?

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.

Types of Auto Insurance Coverage
Auto Coverage TypePurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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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.

Frequently Asked Questions

Frequently Asked Questions: NGM Auto Insurance Review

In this section, we answer some of the most commonly asked questions about NGM auto insurance. Some of the answers may have been covered in part or in full in the guide above.

#1 – 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.

#2 – 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.

#3 – 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.

#4 – 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.

#5 – 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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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.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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