When shopping for a car insurance policy, it’s essential to consider your coverage needs. But a carrier’s reputation is important, too. The best insurance companies often have high scores for customer satisfaction, offer varying coverage options, and many that fit your needs and budget.
To start searching for the best car insurance company for you, explore the companies below.
- State Farm, Progressive, Geico, Allstate and USAA are the largest car insurance companies by market share in the United States.
- Although large insurance companies offer many options to drivers, smaller insurers also provide a viable option for many drivers.
- When choosing the best car insurance company, consider its financial strength, customer service, discounts and claims process.
List of car insurance companies
With so many car insurance options available, it can help you to see a list of U.S. car insurance companies. The following list of insurers includes large, well-known car insurance companies and some that are smaller or regionally based.
- State Farm
- Progressive
- Geico
- Allstate
- Liberty Mutual
- Travelers
- USAA
- Chubb
- Farmers
- Nationwide
- American Family
- Hartford
- Auto-Owners
- Erie Insurance
- Hugo
- Acuity
- American International Group (AIG)
- Amica Mutual
- AAA
- Safeco
- Shelter
- CSAA Insurance Group
- MAPFRE Insurance
- Automobile Club Group
- Mercury
- Kemper
- Plymouth Rock Assurance
- NJM Insurance
- Arbella
- Safety Insurance
- New York Central Mutual
- Grange Insurance
- The Hanover
- Westfield Insurance
- Farm Bureau
- PEMCO Insurance
- Alfa Insurance
- National General
- MileAuto
- Certainly
- Orion Indemnity Company
- Sun Coast
- Direct Auto Insurance
- First Chicago
- Aspire General
- Root
- Dairyland
- 21st Century
- Clearcover
- Connect
- Bristol West
- American National
- Connect
- Elephant
- Freeway
- Fred Loya
- The General
- GoAuto
- Good2Go
- Kemper
- Wawanesa
- Direct Auto
- Lemonade insurance
Top car insurance companies by market share
Just four insurance companies control nearly half of the market in the U.S. The remaining six of the 10 largest carriers share another 18% or so of the market. The table below offers a closer look at some of the top car insurance companies in the U.S.
| Company | Direct premiums written | Market share |
|---|---|---|
| State Farm | $67,754,117,585 | 18.88% |
| Progressive | $60,053,469,078 | 16.74% |
| Geico | $41,764,021,113 | 11.64% |
| Allstate | $36,581,811,847 | 10.20% |
| USAA | $22,135,830,430 | 6.17% |
| Farmers | $13,492,655,158 | 3.76% |
| Liberty Mutual | $11,741,470,804 | 3.27% |
| Travelers | $7,184,379,064 | 2.00% |
| Auto Club of Southern California (AAA) | $6,465,136,944 | 1.80% |
| American Family | $6,174,180,283 | 1.72% |
List of the 10 biggest car insurance companies
You likely are familiar with Progressive’s Flo, the Geico Gecko or the continuously mischievous Mayhem Man from Allstate. These car insurance spokespeople are not only memorable and humorous, but they’re also ensuring you’re well acquainted with some of the biggest car insurance companies in the U.S.
While there are plenty of insurers to choose from, only 10 represent the biggest fish in the industry. Below is a look at the largest car insurance companies.
State Farm
Auto insurance is State Farm’s big seller, but they offer a wide range of insurance coverage and have some of the best customer service ratings in the industry. You can insure your home, apartment, boat, motorcycle and business with State Farm.
In addition, State Farm offers customers credit cards, loans and checking and savings accounts.
State Farm uses its agents to sell its car insurance policies.
- Market Share: 18.88%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: $1,975
- Best car insurance companies score (out of five): 4.27
- Specialty coverages, offerings: State Farm has more than 19,000 local agents across the country, so there are plenty of local agents to help you find great coverage at an affordable price. But this auto insurer doesn’t offer gap insurance.
Progressive
Progressive is one of the largest auto insurance providers in the U.S., so it can insure most vehicle types. While its customer service ratings are not as high as other insurance companies, its policies tend to be very affordable.
Progressive is also a top insurer for young adults and college students.
- Market share: 16.74%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: $1,998
- Best car insurance companies score (out of five): 4.14
- Specialty coverages, offerings: Progressive offers their Snapshot program, which monitors your driving. You will receive a discount if you are safe out on the road.
Progressive also offers their Name Your Price Tool, which lets you tell Progressive how much you want to pay for insurance. It shows you the coverage options that work with your budget and is a helpful way to nail down a car insurance cost that suits your budget.
Geico
Geico is one of the largest auto insurers in the country. It currently protects more than 28 million vehicles. While auto insurance is Geico’s main business, it sells various coverages and offers various discounts.
- Market share: 11.64%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: $1,763
- Best car insurance companies score (out of five): 4.20
- Specialty coverages, and offerings: Geico’s mobile app is one of the best in the industry, allowing you to access your insurance ID card, pay your premium, contact roadside assistance and even submit photos of your car after an accident to get a quick estimate of the damage.
Allstate
Allstate has the fourth largest market share in the U.S. and offers various insurance and investment options. However, Allstate policies tend to be more expensive than other insurers.
If you are looking for a one-stop shop for insurance and investments, Allstate may be a good option, but if you are looking for car insurance, there are likely cheaper options available from other insurance companies.
- Market share: 10.20%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: $2,509
- Best car insurance companies score (out of five): 3.78
- Specialty coverages, offerings: Allstate offers a vanishing deductible which will lower your collision coverage deductible by $100 every year you remain accident-free, up to $500.
Allstate offers insurance for items such as identity theft, phone protection and events such as weddings or other large gatherings, coverages you may not be able to find with smaller insurance companies.
USAA
USAA is the No. 5 insurer in terms of market share. Only USAA members—current and retired military members and their immediate families—are eligible to buy insurance.
- Market share: 6.17%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: N/A
- Best car insurance companies score (out of five): N/A
- Specialty coverages, offerings: N/A
In addition to car insurance, USAA offers home, renters and life insurance. It also offers banking and other financial services to its members.
Farmers
Farmers sells insurance in all 50 states via exclusive and independent agents. They offer standard insurance products and coverage for recreational vehicles, boats, jet skis, snowmobiles, motorcycles, ATVs, golf carts and motor homes.
Farmers also sells IRAs, annuities and mutual funds, making them an excellent choice if you are looking for a one-stop shop for insurance and retirement investments.
- Market share: 3.76%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: $2,387
- Best car insurance companies score (out of five): 3.69
- Specialty coverages, offerings: Farmers offers a Mature Driver discount to drivers older than 55 who have completed state-approved safe driver training in the past three years. It also offers an alternative fuel discount for vehicles powered by anything other than gasoline: hybrid, electric, natural gas and propane qualify.
Liberty Mutual
Liberty Mutual offers auto insurance and insurance for homes, condos and rentals. It also offers coverage for classic and antique vehicles, plus motorcycles, boats and RVs.
- Market share: 3.27%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: N/A
- Best car insurance companies score (out of five): N/A
- Specialty coverages, offerings: RightTrack, its usage-based insurance (UBI) program, offers savings of up to 30% for good drivers, plus a 10% discount just for signing up.
Policyholders can take advantage of discounts for being a safe driver, insuring multiple cars, and for bundling your home and auto coverage. Others savings are available; talk with a Liberty Mutual representative to learn more.
Travelers
Travelers is a well-respected insurer that has been writing insurance policies since 1863. While it may not be the cheapest option regarding car insurance, it ranks exceptionally well in customer service surveys. This is a good indicator that your claim will be handled fairly and they will get your vehicle repaired quickly.
- Market share: 2.00%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: $1,587
- Best car insurance companies score (out of five): 4.62
- Specialty coverages and offerings: Travelers offer their Premier New Car Replacement coverage; this auto insurance policy endorsement is an excellent option if you have a new car. This coverage will replace your vehicle with a new one if you total it in the first five years.
Auto Club Group of Southern California (AAA)
The Automobile Club Group of Southern California (AAA) is an exclusive car insurance provider that offers coverage to AAA members and partners with regional insurers. It is a well-known provider for discounts and roadside service options. AAA offers a variety of coverage options, including state-minimum liability insurance to full coverage, and add-ons such as GAP insurance and modified vehicle insurance.
- Market share: 1.80%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: $2,301
- Best car insurance companies score (out of five): 3.30
- Specialty coverages and offerings: Members can also add-on an RV or motorcycle policy, and family members can be added to their policies for a discounted rate.
AAA offers one of the most well-known and sought after roadside assistance programs in the country — available to its members, who do not have to carry a AAA car insurance policy. It also offers large discounts with various organizations and companies, including those in the travel, shopping, and entertainment industries.
American Family
American Family Insurance (AmFam) offers auto, home, life, health and commercial insurance. Initially founded in 1927, it focused on providing auto insurance to farmers. Today, it is now one of the top 10 largest insurers in the country, offering services in 19 U.S. states.
- Market share: 1.72%
- Online quote: Yes
- Manage claims online: Yes
- Average rate for full coverage: $1,698
- Best car insurance companies score (out of five): 4.01
- Specialty coverages, offerings: AmFam offers a “Do It Yourself” option for quick pricing and coverage selection. It also offers “DriveMyWay” and “MilesMyWay” discount programs that provide rate reductions based on driver behavior, as well as other bundling options and discounts.
How to choose the right car insurance companies
Sometimes, finding the right insurance company can feel like an interview process: What coverages do you offer? Do you have discount programs? What’s your claims process like?
Despite what you’re seeking, choosing the right car insurance company often comes down to some specific factors— and we’ve broken down some of the top ones to consider when you’re shopping around.
- Financial strength: Ben Klesinger, CEO of Reliant Insurance Group, says, “Check their financial stability and claims-paying ability. Choose a company with strong financial ratings, so they can fulfill their obligations even after a major event.”
- Coverage: Evaluate your insurance needs to confirm that an insurer offers the type and level of coverage you have in mind.
- Customer service: An insurance company with good feedback from customers could lead to a better experience for you.
- Pricing: Although price shouldn’t be the only factor, shopping around for the cheapest rates is a good idea.
- Discounts: Beyond your baseline price, seek out a company that offers car insurance discounts that apply to your situation. For example, if you are a safe driver with a clean driving record, consider working with a company that offers extensive savings for safe drivers. Or if you are a homeowner in need of homeowners insurance, consider finding an insurer that offers a bundling discount.
- Claims process: A simple claims process will come in handy if you have to file an auto insurance claim. Seek out a company with a smooth filing experience.
Bottom line
Finding the best car insurance company can often be a personal preference, meeting your needs and budget. Some of the larger U.S. insurers tend to offer a lot of options to help support their policyholders’ needs, but that may not mean they’re the best for you. Shopping around, comparing quotes and reading online reviews can help you find the best option for you — and it could just be the small local company down the street.
Frequently asked questions
How do I know which car insurance company offers the best rates?
A good way to find the best car insurance rate is to call several insurance companies — a mix of large insurers and regional ones is a good strategy to start — to just get an idea of what’s available.
Mark Friedlander, director of corporate communications at the Insurance Information Institute (Triple-I), says obtaining at least three quotes is the best rule of thumb when shopping for coverage. “You want to make sure the quotes are ‘apples-to-apples,’ meaning they include the same types of coverage, policy limits and deductibles. You can obtain quotes yourself or work with a licensed insurance agent during this process.”
Remember that your personal driving history, finances and claims history can impact your rates, often spiking them if you’ve racked up a few tickets or an accident in the last couple of years. While it’s easy to opt for the cheapest rate, make sure you investigate different scenarios that can also save you money, including higher deductibles, discount programs and safe driver monitoring options.
Can I get car insurance from smaller companies, or should I stick with the big names?
Absolutely. While larger car insurance companies are well known and offer a lot of options, perks and services, you should keep in mind your local insurers do often offer cheaper rates. Not only that, but smaller insurance companies are typically operated by local business owners who often go the extra mile to provide you with exceptional customer service and personalized options.
What should I look for in a car insurance company if I have a classic or antique vehicle?
Friedlander says the III recommends obtaining quotes from an auto insurer who specializes in this type of coverage.
“It’s essential that you obtain coverage levels that provide comprehensive financial protection for this type of high-value vehicle,” he says. “Classic car policies typically include many of the common types of coverages included in a standard car policy: liability, collision, comprehensive, MedPay or personal injury protection (PIP), uninsured/underinsured motorist, roadside assistance and rental car reimbursement.”
Resources & Methodology
Sources
- J.D. Power “2024 U.S. Auto Claims Satisfaction Study.” Accessed March 2025.
- National Association of Insurance Commissioners “Property and Casualty Insurance Industry.” Accessed March 2025.
Methodology
CarInsurance.com gathered average annual full coverage car insurance rates from Quadrant Information Institute. The rates are based on a sample profile of 40-year-old male and female drivers with a clean driving record and good insurance scores.
The survey scores are based on Insure.com’s survey of the best car insurance companies. Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive.
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