List of Car Insurance Companies

See our car insurance companies list including the nation’s top 10 largest auto insurers.

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There are hundreds of insurance companies, but which ones sell auto insurance? And out of those insurers, which companies should you consider buying a policy from?

Below is a list of NerdWallet's auto insurance reviews. You can use our reviews to compare car insurance companies and find the best one for you. NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and more for all of the country's top auto insurance companies plus many smaller, regional insurers.

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Car insurance companies list

What are the largest auto insurance companies?

Chances are you can’t name all the auto insurance companies out there, but you’ve likely heard of some of the larger insurers such as Allstate, Geico, Progressive and State Farm. Together, these four companies make up over half of the personal auto insurance market in the U.S.

You’ve probably heard of the other companies rounding out the top 10 list too.

List of largest auto insurance companies by market share

Rank

Company

Market share in 2021

1

15.93%

2

14.31%

3

13.71%

4

10.41%

5

6.01%

6

4.88%

7

4.76%

8

2.13%

9

2.10%

10

2.04%

What to know about the largest auto insurance companies

Larger insurers can have advantages over smaller car insurance companies, such as greater financial strength and stability, a wider network of agents and claims adjusters, 24-hour customer service, and better apps and websites.

But there’s more to an insurer than size. Here’s additional information about each of the largest auto insurance companies on our list, including the latest available consumer satisfaction ratings from J.D. Power and consumer complaint data from the National Association of Insurance Commissioners. All average rates are for yearly full coverage insurance premiums for a good driver with good credit.

🤓Nerdy Tip

Looking for the best auto insurer, large or small? Check out our list of the best car insurance companies.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every ZIP code in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.

1. State Farm

5.0

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 6 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 2 out of 8 companies.

  • Complaints as reported to the NAIC: Fewer than expected.

  • Average rate: $1,381.

State Farm, the country’s largest car insurance company, offers policies nationwide except in Massachusetts and Rhode Island. Coverage is sold exclusively by captive agents, meaning they sell only State Farm products. If you don’t want to work with an agent, though, you can get a quote online. There’s also a mobile app that lets you contact roadside assistance, submit claims and view your insurance card.

State Farm offers many other types of policies, including renters, business, home, boat, off-road vehicle and commercial auto insurance. In some cases, discounts are available for drivers who buy more than one type of policy.

Read the full review: State Farm auto insurance

2. Geico

4.5

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 8 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 4 out of 8 companies.

  • Complaints as reported to the NAIC: Close to the expected number.

  • Average rate: $1,233.

Geico sells auto insurance nationwide. Some customers in certain states may not be able to get a quote over the phone, but drivers in all states can get a quote through the company's website, app or a local Geico agent.

You can manage policies and pay bills through the insurer’s website or mobile app, and voice assistance is available through the app or via Amazon’s Alexa.

In addition to auto insurance, Geico offers umbrella liability coverage and insures motorcycles and all-terrain vehicles. Auto insurance discounts are available to customers who buy other policies, such as home insurance, from companies that have partnerships with Geico.

Read the full review: Geico auto insurance review

3. Progressive

5.0

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 17 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 7 out of 8 companies.

  • Complaints as reported to the NAIC: Fewer than expected.

  • Average rate: $1,739.

Progressive auto insurance policies are available in all 50 states and Washington, D.C. You can buy coverage online, by phone or through an agent. You can manage your policy with a mobile app and get help from a digital voice assistant through Google Home.

In addition to car insurance, Progressive sells umbrella liability policies, commercial auto insurance and coverage for other vehicles such as boats and snowmobiles. Car insurance discounts are offered to customers who buy other policies, such as home insurance, from Progressive’s partner companies.

Read the full review: Progressive auto insurance

4. Allstate

4.5

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 14 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 3 out of 8 companies.

  • Complaints as reported to the NAIC: Close to the expected number.

  • Average rate: $1,994.

Allstate sells auto insurance and a wide range of other products through agents in all 50 states and Washington, D.C. You can find an agent or get a quote on Allstate’s website; the company’s mobile app lets you manage your coverage, pay your bill and check on claims.

Discounts are available if you bundle your auto insurance with some of Allstate’s other policies or own a new car. Coverage is available for homeowners, renters, landlords, boats, businesses and more.

Read the full review: Allstate auto insurance

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5. USAA

4.0

NerdWallet rating 

At a glance:

  • J.D. Power claims and shopping satisfaction: USAA is available only to military members, veterans and their families and doesn’t meet J.D. Power’s awards criteria. However, it ranked above the other large insurers for both claims and shopping satisfaction.

  • Complaints as reported to the NAIC: Close to the expected number.

  • Average rate: $1,238.

USAA frequently offers some of the lowest auto insurance rates among the large companies NerdWallet compares. However, USAA is available only to active military members, veterans and their families.

USAA offers online quotes and a mobile app for paying bills, filing claims or downloading insurance cards. In addition to auto insurance, USAA sells life insurance, umbrella policies, and homeowners, renters and landlord insurance. Coverage is available nationwide.

Read the full review: USAA auto insurance

6. Liberty Mutual

4.5

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 10 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 1 out of 8 companies.

  • Complaints as reported to the NAIC: Close to the expected number.

  • Cost: Liberty Mutual does not disclose rate filings, but in previous years it was more expensive than average.

Liberty Mutual sells insurance in all 50 states and Washington, D.C., offering quotes online, by phone and through Amazon’s Alexa virtual assistant. The insurer’s mobile app lets you pay bills, track claims and get roadside assistance.

Liberty Mutual’s auto insurance customers can add coverage for antique or classic cars, all-terrain and off-road vehicles and recreational vehicles. The company also sells a wide range of other coverage, including policies for homeowners and renters.

7. Farmers

4.5

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 5 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 5 out of 8 companies.

  • Complaints as reported to the NAIC: Fewer than expected.

  • Average rate: $1,745.

Farmers sells auto insurance through agents in all states except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, Washington, D.C., and West Virginia. The company has also stopped selling auto insurance in Florida temporarily. However, current customers are not affected by this change.

You can connect with an agent and get a quote on Farmers’ website. There’s also a mobile app for paying bills, getting a digital insurance ID card and more.

Discounts are offered in some cases for bundling auto insurance with other types of coverage. In addition to auto insurance, Farmers sells umbrella, life, homeowners, renters, landlord, business, motorcycle and other insurance.

Read the full review: Farmers auto insurance review

8. Nationwide

4.5

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 11 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 8 out of 8 companies.

  • Complaints as reported to the NAIC: Fewer than expected.

  • Average rate: $1,332.

Nationwide auto insurance is widely available: It's sold by agents in all states except Alaska, Hawaii, Louisiana and Massachusetts. You can manage your policy through the company’s website or its mobile app, where you can also start claims or pay your bill.

Discounts are available if you set up automatic payments or bundle your auto insurance with some of the other policies Nationwide offers. The insurer sells home, life, condo, renters, motorcycle and boat insurance, among other products.

Read the full review: Nationwide auto insurance review

9. American Family

5.0

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 7 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 1 out of 12 companies.*

  • Complaints as reported to the NAIC: Far fewer than expected.

  • Average rate: $1,454.

*American Family is ranked under midsize insurers on J.D. Power’s shopping satisfaction survey. All other carriers in this article are ranked under large insurers.

American Family ranks as the 9th largest auto insurance company in the nation even though it offers policies in fewer than half of U.S. states. Coverage is available mostly in the West and Midwest. You can find an agent and get a quote at the American Family website. There’s also a mobile app for filing claims, managing coverage and getting help.

American Family also sells home, renters’ and life insurance, umbrella policies and more. Discounts are available for bundling some types of policies.

Read the full review: American Family insurance

10. Travelers

5.0

NerdWallet rating 

At a glance:

  • J.D. Power claims satisfaction: No. 13 out of 18 companies.

  • J.D. Power shopping satisfaction: No. 6 out of 8 companies.

  • Complaints as reported to the NAIC: Fewer than expected.

  • Average rate: $1,426.

Travelers sells auto insurance through agents in 42 states and Washington, D.C. Policies are available through agents or online. The company’s website and mobile app let you pay bills, file claims and contact your agent for help.

Travelers also sells umbrella policies and insurance for homes, condos, boats, renters, landlords, weddings and jewelry. In some cases, discounts are available if you buy more than one type of coverage.

Read the full review: Travelers auto insurance review

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Finding the best insurance company for you

When shopping for a policy, it's smart to consider a wide range of choices, from the nation's largest auto insurance companies to smaller, regional insurers that may be a great fit for you.

Take a look at the big picture of customer satisfaction, claims service and price. NerdWallet’s car insurance comparison tool can help you compare rates.

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Methodology

AVERAGE RATES METHODOLOGY

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 40-year-old men and women for all ZIP codes in any of the 50 states and Washington, D.C., for the nation's four largest auto insurers, Allstate, Geico, Progressive and State Farm.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers. These are average rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good” credit.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

We used a 2018 Toyota Camry LE in all cases and assumed 12,000 annual miles driven.

AUTO INSURANCE RATINGS METHODOLOGY

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

INSURER COMPLAINTS METHODOLOGY

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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