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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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 18, 2022

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Just the Basics

  • 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. Below you can view the severe penalties in each state for driving without an active auto insurance policy.

AlabamaSuspension with $200 reinstatement feeUp to $500
AlaskaLicense suspension for 90 days
ArizonaLicense/registration/license plate suspension for three monthsAt least $500
ArkansasSuspended registration/no plates until proof of coverage plus $20 reinstatement fee$50 to $250Court may order impoundment
California$100 to $200 plus penalty assessmentsCourt may order impoundment
ColoradoLicense suspension until you can show proof to the DMV that you are insuredAt least $500Four points against your license. Courts may add up to 40 hours community service
ConnecticutSuspended registration/license for one month (show proof of insurance) with $175 reinstatement fee$100 to $1000
DelawareLicense/privilege suspension for six months$1500 minimum fine
FloridaSuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatement
GeorgiaSuspended registration with $25 lapse fee and $60 reinstatement feePay any other registration fees and vehicle ad valorem taxes due
HawaiiEither license suspension for three months or a required nonrefundable insurance policy in force for six months$500 fine or community service granted by judge
IdahoLicense suspension until financial proof$75
IllinoisLicense plate suspension until $100 reinstatement fee and insurance proof
IndianaLicense/registration suspension for 90 days to one year
IowaRemoval of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee$500 if in accident; Otherwise $250.
Or community service in lieu of fine
Possible impoundment
Kansaslicense/registration suspension; reinstatement fee: $100$300 to $1000Confinement in jail up to six months instead of or in addition to fine
KentuckyLicense plates and registration revoked for one year or until proof of insurance is shown$500 to $1000Up to 90 days in jail instead of or in addition to fine
LouisianaIf in car accident, fine plus registration revoked and driving privileges suspended for 180 days$500 to $1000
MaineSuspension of license and registration until proof of insurance$100 to $500
MarylandLose license plates and vehicle registration privileges; Pay a restoration fee of up to $25 for a vehicle's registrationPay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter
Massachusetts$500 to $5000Imprisonment for one year or less instead of or in addition to fine
MichiganLicense suspension for 30 days or until proof of insurance$200 to $500
$25 service fee to Secretary of State
Imprisonment for one year or less instead of or in addition to fine
MinnesotaLicense and registration revoked for no more than 12 months$200 to $1000Community service possible instead of fine; 90 days imprisonment instead of or in addition to fine
MississippiDriving privileges suspended for one year or until proof of insurance $1000
MissouriSuspended until proof of insurance with $20 reinstatement feeFour points against driving record; Driver may be supervised
Montana$250 to $500Imprisonment for no more than 10 days instead of or in addition to fine
NebraskaLicense and registration suspension; reinstatement fee of $50 for eachProof of insurance to remain on file for three years
NevadaRegistration suspension — until payment of $250 reinstatement fee $250 to $1,000 depending on length of lapseDepending on circumstances, an SR-22 (proof of financial responsibility) if lapsed more than 90 days
New HampshireNot a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance.
New JerseyLicense suspension for one year$300 to $1000Pay surcharges for three years in the amount of $250 per year
New MexicoLicense suspensionUp to $300Imprisoned for 90 days instead of or in addition to fine
New YorkRegistration suspension equal to time without insurance; License suspension equal to registration suspension if without insurance for 90 daysUp to $1500 if involved in accident plus $750 civil penaltyInstead of suspension, option to pay $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided; up to 15 days imprisonment in addition to or instead of fine
North CarolinaRegistration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee$50
North DakotaSuspension until proof of insurance is providedUp to $150030 days imprisonment instead of or in addition to fine; 14 points against license; proof of insurance must be provided for one year; license with a
notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove
this notation is $50
OhioLicense/plates/registration suspension until requirements are met and $100 reinstatement fee is paid Maintain special high-risk coverage on file with the BMV for three to five years; if involved in an accident without insurance, all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)
OklahomaLicense suspension with $275 reinstatement fee $250Jail time up to 30 days; police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If car impounded, owner must also pay towing and storage fees
OregonIf involved in accident — at least a one year license suspension$130 to $1000 ($260 is the presumptive fine)Proof of financial responsibility required for three years
PennsylvaniaRegistration suspended for three months (unless lapse was for less than 31 days and vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back$500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month period
Rhode Island
License and registration suspension up to three months; reinstatement fee: $30 to $50$100 to $500
South Carolina
License/registration suspended until proof of insurance plus $200 reinstatement fee$100 to $20030 days imprisonment instead of fine
South DakotaLicense suspension for 30 days to one year$10030 days imprisonment instead of or in addition to fine; filing proof of insurance (SR-22) with the state for three years from date of conviction. Failure to file proof will result in suspension of vehicle registration, license plates, and driver license
TennesseeOnly if fee is unpaid$25 within 30 daysPay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25
Texas$175 to $350pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)
UtahLicense suspension until proof of insurance (maintained for three years) and $100 reinstatement fee$400
VermontLicense suspended until proof of insuranceUp to $500
VirginiaMay pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paid
WashingtonUp to $250
Washington D.C.
West VirginiaLicense suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty fee$200 to $5000
WisconsinUp to $500
WyomingUp to $750Up to six months imprisonment
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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.

Average Annual Car Insurance Rates by State
StateAverage Annual Car Insurance Rates
District of Columbia$1,330.73
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
West Virginia$1,025.78
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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
Coverage Level
Driver Training
Electronic Funds Transfer
Good Student
Mature Operator (65+)
New Customer
New Vehicle
Paid in Full
Student Away from School
Vehicle Safety
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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.