NGM Insurance Company Review 
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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UPDATED: Mar 18, 2022
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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. Below you can view the severe penalties in each state for driving without an active auto insurance policy.
|Alabama||Suspension with $200 reinstatement fee||Up to $500|
|Alaska||License suspension for 90 days|
|Arizona||License/registration/license plate suspension for three months||At least $500|
|Arkansas||Suspended registration/no plates until proof of coverage plus $20 reinstatement fee||$50 to $250||Court may order impoundment|
|California||$100 to $200 plus penalty assessments||Court may order impoundment|
|Colorado||License suspension until you can show proof to the DMV that you are insured||At least $500||Four points against your license. Courts may add up to 40 hours community service|
|Connecticut||Suspended registration/license for one month (show proof of insurance) with $175 reinstatement fee||$100 to $1000|
|Delaware||License/privilege suspension for six months||$1500 minimum fine|
|Florida||Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatement|
|Georgia||Suspended registration with $25 lapse fee and $60 reinstatement fee||Pay any other registration fees and vehicle ad valorem taxes due|
|Hawaii||Either license suspension for three months or a required nonrefundable insurance policy in force for six months||$500 fine or community service granted by judge|
|Idaho||License suspension until financial proof||$75|
|Illinois||License plate suspension until $100 reinstatement fee and insurance proof|
|Indiana||License/registration suspension for 90 days to one year|
|Iowa||Removal 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
|Kansas||license/registration suspension; reinstatement fee: $100||$300 to $1000||Confinement in jail 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|
|Maine||Suspension of license and registration until proof of insurance||$100 to $500|
|Maryland||Lose license plates and vehicle registration privileges; Pay a restoration fee of up to $25 for a vehicle's registration||Pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter|
|Massachusetts||$500 to $5000||Imprisonment for one year or less instead of or in addition to fine|
|Michigan||License 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|
|Minnesota||License and registration revoked for no more than 12 months||$200 to $1000||Community service possible instead of fine; 90 days imprisonment instead of or in addition to fine|
|Mississippi||Driving privileges suspended for one year or until proof of insurance||$1000|
|Missouri||Suspended until proof of insurance with $20 reinstatement fee||Four points against driving record; Driver may be supervised|
|Montana||$250 to $500||Imprisonment for no more than 10 days instead of or in addition to fine|
|Nebraska||License and registration suspension; reinstatement fee of $50 for each||Proof of insurance to remain on file for three years|
|Nevada||Registration suspension — until payment of $250 reinstatement fee||$250 to $1,000 depending on length of lapse||Depending on circumstances, an SR-22 (proof of financial responsibility) if lapsed more than 90 days|
|New Hampshire||Not 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 Jersey||License suspension for one year||$300 to $1000||Pay surcharges for three years in the amount of $250 per year|
|New Mexico||License suspension||Up to $300||Imprisoned for 90 days instead of or in addition to fine|
|New York||Registration suspension equal to time without insurance; License suspension equal to registration suspension if without insurance for 90 days||Up to $1500 if involved in accident plus $750 civil penalty||Instead 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 Carolina||Registration 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 Dakota||Suspension until proof of insurance is provided||Up to $1500||30 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
|Ohio||License/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)|
|Oklahoma||License suspension with $275 reinstatement fee||$250||Jail 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|
|Oregon||If 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|
|Pennsylvania||Registration 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 $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; 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|
|Tennessee||Only if fee is unpaid||$25 within 30 days||Pay $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 $350||pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)|
|Utah||License suspension until proof of insurance (maintained for three years) and $100 reinstatement fee||$400|
|Vermont||License suspended until proof of insurance||Up to $500|
|Virginia||May 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|
|Washington||Up to $250|
|West Virginia||License suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty fee||$200 to $5000|
|Wisconsin||Up to $500|
|Wyoming||Up to $750||Up to six months imprisonment|
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.
|State||Average Annual Car Insurance Rates|
|District of Columbia||$1,330.73|
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|
|Electronic Funds Transfer|
|Mature Operator (65+)|
|Paid in Full|
|Student Away from School|
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.