Allstate vs NJM: which is better for car insurance in 2026?
Across our six scoring categories, Allstate comes out ahead in 0, NJM in 3, with 3 too close to call. There is no overall score to compare, though: NJM does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Allstate is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.
Allstate vs NJM, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
Too close to callNJM does not release public rate data, so there is no like-for-like premium to set against Allstate's $3,176/yr. That is a real gap in the comparison, not a rounding error — treat NJM's price as unknown until you have a quote in hand.
$3,176 a year for full coverage — 35% above the national average and the third most expensive carrier in this review. This is the number that defines Allstate.
NJM's published average is a New Jersey figure, not a national one. New Jersey is a high-cost state, so setting it against a national benchmark would flatter NJM for reasons that have nothing to do with NJM. We have left it out rather than compare unlike things.
Claims satisfaction
NJM aheadNJM takes claims satisfaction on 731/1,000 against Allstate's 693/1,000.
693 out of 1,000, seven points below the segment average. Middling, and not enough to justify the premium on its own.
731 out of 1,000 in the J.D. Power 2025 claims study — second only to Erie among ranked insurers, and 31 points above the segment average.
Complaint record
NJM aheadNJM takes complaint record on Far fewer than expected against Allstate's About the expected number.
Close to the number of complaints expected for its size.
Far fewer complaints than expected for its size — the strongest band we assign.
Financial strength
Too close to callNeither pulls ahead on financial strength: Allstate posts A+ and NJM A+, a difference too small to choose on.
AM Best A+ (Superior).
AM Best A+ (Superior). Note that AM Best revised the outlook on its separate issuer credit rating to negative in 2025, citing consecutive underwriting losses.
Discounts
NJM aheadNJM takes discounts on 8 published against Allstate's 5 published.
Allstate's current discounts page publishes only five named discounts, the thinnest list of any national carrier here — several features it was historically known for no longer appear on live pages.
Around eight published discounts, plus the NJM SafeDrive telematics program.
Digital experience
Too close to callNeither pulls ahead on digital experience: Allstate posts 4.79 iOS / 4.1 Android and NJM Not published, a difference too small to choose on.
4.79 on the App Store but only 4.1 on Google Play, the widest platform gap among the large insurers.
NJM publishes no general policyholder app on either store — only the SafeDrive telematics app. Policy servicing is web-only, so there is no app experience to rate.
So which one?
Pick Allstate if…
- You are among drivers who want an agent and will bundle enough to offset the premium.
- Availability fits: All 50 states and D.C., through local agents.
Pick NJM if…
- You are among mid-atlantic drivers who weight claims handling above everything.
- You care most about how a claim actually goes: NJM scores 731/1,000.
- You want the lower complaint record — NJM sits at Far fewer than expected.
- You expect to stack discounts — NJM's lineup is the broader of the two.
Allstate vs NJM, answered
The questions people ask before switching between these two.
Other comparisons
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