There is no simple answer to this question as it depends on a number of factors, including the type of coverage you are looking for, your driving record, and where you live. However, we can take a look at some general comparisons between NJM and Geico to get an idea of which company might be cheaper for you.
Generally speaking, Geico is cheaper than NJM for basic liability coverage. However, if you are looking for more comprehensive coverage, such as collision or comprehensive insurance, NJM may be the better option. This is because NJM offers discounts for policyholders who have multiple policies with the company (such as auto and homeowners insurance). Geico does not offer these types of discounts.
Another factor to consider is your driving record. If you have a clean driving record, you will likely pay less with either company. But if you have accidents or traffic violations on your record, Geico will probably be cheaper than NJM. This is because Geico offers accident forgiveness for good drivers with clean records.NJM does not offer this type of discount.
Finally, where you live can also affect which company is cheaper. In general, urban areas tend to be more expensive than rural areas when it comes to car insurance rates. So if you live in an urban area in New Jersey, it's likely that Geico will be cheaper than NJM. But if you live in a rural area of the state, NJM may be the better deal.
Overall, there is no definitive answer as to which company is cheaper - it all depends on your individual circumstances. However, doing some research and comparing quotes from both companies should give you a good idea as to which one offers the best rate for your needs