NGM Insurance Company Review [2025]
NGM Insurance is available in more than 30 states and offers an extensive range of coverage. You can also keep your rates low by utilizing some of the many discounts that NGM Insurance offers drivers. The Main Street America Group owns NGM Insurance, so you can visit the Main Street America website to get quotes or file claims.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Jan 9, 2025
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- The Main Street America Group owns NGM Insurance Company
- You can file claims and make payments online with NGM Insurance Company
- You can shop online for free insurance quotes
Most state driving laws dictate that drivers must have an active insurance policy while operating a vehicle on the road. Therefore, it’s imperative that you have at least the minimum amount of coverage required by your state. If you don’t already have car insurance and aren’t certain as to which car insurance company is best for you, free NGM Insurance Company reviews, like this one, can help you discern if this company is appropriate for your needs.
Continue reading to learn about NGM Insurance and the coverages and discounts that it offers drivers.
You can enter your ZIP code to receive free insurance quotes as you discover more about NGM Insurance.
Who is the NGM Insurance Company?
In 1923, the NGM Insurance Company opened its doors for business. NGM Insurance is now a Main Street America Group subsidiary and offers car insurance coverage to over half of the states in the U.S. You won’t need to bother memorizing the NGM Insurance phone number. Rather, if you have a question or concern about your policy, you can either contact your local NGM Insurance representative or call Main Street America directly at 800-258-5310.
Main Street America Group streamlines the insurance shopping process by sharing its main website with all of its subsidiaries, so it’s easy to obtain a quote or file a claim online. You can also call 877-425-2467 to file any NGM Insurance claims. The Main Street America website also provides a client portal, so you can make your NGM Insurance payments online as well.
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What coverages does the NGM Insurance Company provide?
Driving without insurance is irresponsible and also illegal in most states, including Washington, D.C. Below you can view the severe penalties in each state for driving without an active auto insurance policy.
Penalties for Driving Without Auto Insurance by State
| State | Suspension | Fine | Other |
|---|---|---|---|
| Alabama | Suspension with $200 reinstatement fee | $500 | Proof of insurance required for reinstatement |
| Alaska | License suspension for 90 days | $500 | SR-22 may be required |
| Arizona | License/registration/license plate suspension for three months | $500 | Proof of insurance required for reinstatement |
| Arkansas | Suspended registration/no plates until proof of coverage plus $20 reinstatement fee | $50 to $250 | Court may order impoundment |
| California | License suspension for up to one year | $100 to $200 plus penalty assessments | Court may order impoundment |
| Colorado | License suspension until proof of insurance is shown to DMV | $500 | Four points against license; up to 40 hours community service |
| Connecticut | Suspended registration/license for one month with $175 reinstatement fee | $100 to $1000 | Proof of insurance required |
| Delaware | License/privilege suspension for six months | $1500 minimum fine | Proof of insurance required |
| Florida | Suspension of license and registration until $150 reinstatement fee is paid | $150 to $500 | SR-22 required for reinstatement |
| Georgia | Suspended registration with $25 lapse fee and $60 reinstatement fee | $200 to $300 | Pay other fees and vehicle ad valorem taxes |
| Hawaii | Either license suspension for three months or a required insurance policy | $500 fine or community service | Proof of insurance required |
| Idaho | License suspension until financial proof | $75 | SR-22 required for reinstatement |
| Illinois | License plate suspension until $100 reinstatement fee and proof of insurance | $500 | Proof of insurance required |
| Indiana | License/registration suspension for 90 days to one year | $250 to $1000 | Proof of insurance required |
| Iowa | Removal of plates/registration until fine or community service completion | $250 to $500 | Possible impoundment |
| Kansas | License/registration suspension; reinstatement fee: $100 | $300 to $1000 | Confinement up to six months instead of or in addition to fine |
| Kentucky | License plates and registration revoked for one year or until proof of insurance is shown | $500 to $1000 | Up to 90 days in jail instead of or in addition to fine |
| Louisiana | If in car accident, fine plus registration revoked and driving privileges suspended for 180 days | $500 to $1000 | Proof of insurance required |
| Maine | Suspension of license and registration until proof of insurance | $100 to $500 | Proof of insurance required |
| Maryland | Lose license plates and vehicle registration privileges | $150 minimum per lapse | Proof of insurance required |
| Massachusetts | License suspension for up to one year | $500 to $5000 | Imprisonment for up to one year instead of or in addition to fine |
| Michigan | License suspension for 30 days or until proof of insurance | $200 to $500 + $25 service fee | Imprisonment for up to one year instead of or in addition to fine |
| Minnesota | License and registration revoked for no more than 12 months | $200 to $1000 | Community service possible instead of fine; 90 days imprisonment |
| Mississippi | Driving privileges suspended for one year or until proof of insurance | $1000 | Proof of insurance required |
| Missouri | Suspension until proof of insurance with $20 reinstatement fee | $250 | Four points against driving record |
| Montana | License suspension for 30 days | $250 to $500 | Imprisonment for up to 10 days instead of or in addition to fine |
| Nebraska | License and registration suspension; reinstatement fee of $50 for each | $200 | Proof of insurance to remain on file for three years |
| Nevada | Registration suspension until $250 reinstatement fee paid | $250 to $1000 | SR-22 if lapse exceeds 90 days |
| New Hampshire | Not mandatory insurance state | Proof of insurance may be required | After accidents or other incidents |
| New Jersey | License suspension for one year | $300 to $1000 | Pay surcharges for three years |
| New Mexico | License suspension | $300 | Imprisoned for 90 days instead of or in addition to fine |
| New York | Registration suspension equal to time without insurance | $1500 | Option to pay $8/day for lapse periods |
| North Carolina | Registration suspension until proof of financial responsibility | $50 restoration fee | Proof of insurance required |
| North Dakota | Suspension until proof of insurance is provided | $1500 | 30 days imprisonment; 14 points on license |
| Ohio | License/plates/registration suspension until requirements are met | $100 | Maintain high-risk coverage on file for 3–5 years |
| Oklahoma | License suspension with $275 reinstatement fee | $250 | Jail time up to 30 days; police may seize plates |
| Oregon | If involved in accident — at least a one-year suspension | $130 to $1000 | Proof of financial responsibility required for three years |
| Pennsylvania | Registration suspended for three months | $500 civil penalty | $88 restoration fee |
| Rhode Island | License and registration suspension up to three months | $100 to $500 | Proof of insurance required |
| South Carolina | License/registration suspended until proof of insurance + $200 reinstatement fee | $100 to $200 | 30 days imprisonment instead of fine |
| South Dakota | License suspension for 30 days to one year | $100 | 30 days imprisonment instead of or in addition to fine |
| Tennessee | Only if fee is unpaid | $25 within 30 days | Additional $100 if unpaid; reinstatement fee of no more than $25 |
| Texas | License suspension | $175 to $350 | Pay up to $250 surcharge annually for three years |
| Utah | License suspension until proof of insurance (maintained for three years) | $400 | Proof of insurance required |
| Vermont | License suspended until proof of insurance | $500 | Proof of insurance required |
| Virginia | Pay $500 uninsured motorist vehicle fee | $500 | If not paid, all driving and registration privileges suspended |
| Washington | License suspension | $250 | Proof of insurance required |
| West Virginia | License suspended for 30 days with reinstatement fees | $200 to $5000 | Proof of insurance required |
| Wisconsin | License suspension | $500 | Proof of insurance required |
| Wyoming | License suspension | $750 | Up to six months imprisonment instead of or in addition to fine |
Thankfully, when you purchase a car insurance policy through NGM Insurance Company, you’ll gain access to all the traditional forms of auto insurance that will keep you street-legal. NGM Insurance also has great optional coverages that you can choose from, including:
- New vehicle replacement
- Diminishing deductible rewards
- Accident forgiveness
- Original equipment manufactured parts replacement
- Full safety glass
- Roadside assistance
- Loan lease protection
- Other valuable coverages
Extra coverage options are beneficial for drivers who want the maximum amount of protection possible. Although, you should remember that you may need to pay an additional fee to access these coverages.
Does the NGM Insurance Company offer competitive rates?
Since Main Street America Group is the parent company of NGM Insurance Company, Main Street America’s rates reflect NGM Insurance’s fees. The average annual rate for a Main Street America car insurance policy is $1,413. You can examine the average rate per state below to determine how this figure compares to the standard rate in your home state.
Car Insurance Monthly Rates by State
| State | Monthly Rates |
|---|---|
| Alabama | $120 |
| Alaska | $110 |
| Arizona | $130 |
| Arkansas | $125 |
| California | $150 |
| Colorado | $140 |
| Connecticut | $135 |
| Delaware | $145 |
| District of Columbia | $160 |
| Florida | $170 |
| Georgia | $155 |
| Hawaii | $100 |
| Idaho | $115 |
| Illinois | $125 |
| Indiana | $120 |
| Iowa | $110 |
| Kansas | $130 |
| Kentucky | $140 |
| Louisiana | $180 |
| Maine | $105 |
| Maryland | $150 |
| Massachusetts | $135 |
| Michigan | $175 |
| Minnesota | $125 |
| Mississippi | $130 |
| Missouri | $140 |
| Montana | $120 |
| Nebraska | $110 |
| Nevada | $160 |
| New Hampshire | $115 |
| New Jersey | $170 |
| New Mexico | $125 |
| New York | $180 |
| North Carolina | $120 |
| North Dakota | $110 |
| Ohio | $115 |
| Oklahoma | $130 |
| Oregon | $140 |
| Pennsylvania | $150 |
| Rhode Island | $160 |
| South Carolina | $145 |
| South Dakota | $120 |
| Tennessee | $125 |
| Texas | $150 |
| Utah | $135 |
| Vermont | $105 |
| Virginia | $120 |
| Washington | $140 |
| West Virginia | $130 |
| Wisconsin | $110 |
| Wyoming | $115 |
| Countrywide | $140 |
Remember that every insurance company uses an underwriting process to determine individual rates. Therefore, your rate may be very different from those shown above. When shopping for car insurance online, request quotes from at least three different auto insurance companies to compare all of the data and verify that you are receiving the best deal possible. Be sure to evaluate an insurance company’s financial strength rating as well as checking the quality of their services by reviewing customer complaints online.
How can drivers maintain low car insurance rates?
The NGM Insurance Company offers several discounts, like those listed below:
| NGM Car 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 |
If you aren’t certain that every discount you qualify for has been added to your account, you can use your NGM Insurance login to review your policy documents and ensure that everything is up-to-date. While discounts are a great way to save money on your car insurance, practicing safe driving is the best strategy that you can implement to maintain low rates.
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What You Need to Know About the NGM Insurance Company
The NGM Insurance Company offers traditional auto insurance coverage along with optional coverages that can keep you protected whenever you’re on the road. Since the Main Street America Group owns the NGM Insurance Company, you can access the Main Street America website to obtain a quote or locate a local NGM Insurance representative. Unfortunately, while NGM Insurance has an expansive coverage area, it doesn’t provide car insurance throughout the United States.
If you live outside of NGM Insurance’s coverage areas, you can work with any of the independent insurance agents in your area, or go the easiest route. Shop online right here to find a local auto insurance company.
Now that you’ve completed this NGM Insurance review, you can confidently shop for car insurance. Enter your ZIP code to begin comparing free quotes from auto insurance companies near you.
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