Just switched back to NJM from Geico actually! My family had NJM growing up, they were amazing to work with even as a household with a bunch of teenagers collecting tickets and accidents every year. At least as far as we were concerned they were always responsive and on top of things. We actually managed to have two at-fault incidents almost back to back, one with a ticket, and they paid out for both and didn't even raise our rates.

I had to switch to Geico when I moved to NY, Geico was fine but very like cold. No complaints, it just always seemed like whenever I needed something I was just a ticket in a call center. All my dealings with them were through the app, and they seemed a lot more rigid. For instance we had a crack in our windshield, and Geico had to replace it twice. The first time they used cheap off-brand glass and it messed up our car's auto-driving camera stuff, but they wouldn't let us get an OEM windshield until they'd installed one and it failed.

I have no idea if this is still the case, since when we first had NJM it was before it was open to everyone, but you used to even get a dividend every year because they considered policy members shareholders. I definitely felt like every time we interacted with them it was way more of a "member" experience not a "customer" experience. I just moved back to NJ and I switched back to them. I know it's all a subjective experience but I always felt more secure with them than with Geico, which to be fair is like the entire thing you're buying with insurance.