Amica vs NJM: which is better for car insurance in 2026?

Q: Is Amica or NJM cheaper?

We cannot answer that with published data. NJM does not release public rate information, so no independent study — ours included — can put a national average next to Amica's $3,167/yr. The only way to know is to quote both.

Q: Which handles claims better, Amica or NJM?

NJM, on the published data. It scores 731/1,000 against Amica's 718/1,000. Worth keeping in perspective: these are averages across thousands of claims, and a company can score well nationally and still handle one claim badly.

Q: Is Amica better than NJM overall?

We can't put two scores side by side here. NJM does not publish enough of the underlying data for us to give it an overall score — we would rather say so than compute one from the two or three figures that do exist. Amica scores 3.7 out of 5. Compare them on the individual categories above, and on the quotes you actually get.

Q: Can I switch from Amica to NJM mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

Amica

NJMNot scored

Across our six scoring categories, Amica comes out ahead in 1, NJM in 2, 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. Amica 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.

Amica vs NJM, side by side

Category

AmicaRead the full review

NJMRead the full review

Overall scoreWeighted across the six categories below

Not scored

PriceAverage annual full-coverage premium · 25% of score

2.0$3,167/yr

Average full coverage vs. $2,356 national average

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

4.0718/1,000

J.D. Power 2025 claims study, segment average 700

4.5731/1,000

J.D. Power 2025 claims study, segment average 700

Better

Complaint recordComplaints relative to company size · 15% of score

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

5.0Far fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Better

Financial strengthAM Best Financial Strength Rating · 10% of score

4.5A+

AM Best Financial Strength Rating

4.5A+

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

5.017 published

Discounts on the carrier's own pages · Telematics: StreetSmart

Better

4.08 published

Discounts on the carrier's own pages · Telematics: NJM SafeDrive

Digital experienceApp ratings and self-service depth · 15% of score

3.54.82 iOS / 3.2 Android

App Store (7.9K ratings) and Google Play (762 ratings), August 2026

Not published

No app-store presence we could verify

Availability

49 states and D.C. — not available in Hawaii

5 states in the Mid-Atlantic, sold direct with no agents

Best suited to

drivers who will pay more for service and expect to file claims

Mid-Atlantic drivers who weight claims handling above everything

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.

Amica vs NJM across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

AmicaNJM

Category by category

Price

Too close to call

NJM does not release public rate data, so there is no like-for-like premium to set against Amica's $3,167/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.

Amica

$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.

NJM

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 ahead

NJM takes claims satisfaction on 731/1,000 against Amica's 718/1,000.

Amica

718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.

NJM

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 ahead

NJM takes complaint record on Far fewer than expected against Amica's Fewer than expected.

Amica

Fewer complaints than expected for its size.

NJM

Far fewer complaints than expected for its size — the strongest band we assign.

Financial strength

Too close to call

Neither pulls ahead on financial strength: Amica posts A+ and NJM A+, a difference too small to choose on.

Amica

AM Best A+ (Superior), affirmed March 2026.

NJM

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

Amica ahead

Amica takes discounts on 17 published against NJM's 8 published.

Amica

Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.

NJM

Around eight published discounts, plus the NJM SafeDrive telematics program.

Digital experience

Too close to call

Neither pulls ahead on digital experience: Amica posts 4.82 iOS / 3.2 Android and NJM Not published, a difference too small to choose on.

Amica

4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.

NJM

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 Amica if…

You are among drivers who will pay more for service and expect to file claims.
You expect to stack discounts — Amica's lineup is the broader of the two.
Availability fits: 49 states and D.C. — not available in Hawaii.

Read the full Amica review →

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.
Availability fits: 5 states in the Mid-Atlantic, sold direct with no agents.

Read the full NJM review →

Amica vs NJM, answered

The questions people ask before switching between these two.

Is Amica or NJM cheaper?

Which handles claims better, Amica or NJM?

Is Amica better than NJM overall?

Can I switch from Amica to NJM mid-policy?

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