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List of Car Insurance Companies
See our list of car insurance companies, including the nation’s top 10 largest auto insurers.
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Cecilia Clark is an editor on the insurance team. She specializes in auto insurance and manages product reviews and roundups. Previously, she worked as a freelance writer and developed communications strategies for cybersecurity firms. Cecilia has also worked in post-secondary education, elevator operations management and sales and military nuclear command control, maintenance management and public affairs.
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There are countless car insurance companies to choose from. To help you decide which is the right one for you, NerdWallet compiled a list of the largest car insurance companies we’ve reviewed.
Our reviews should make it easier to size up policy options, consumer complaint data, customer satisfaction ratings and financial strength data. While you decide on the best insurance company, look for a reputable insurer that offers the coverage you need at an affordable price.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Below, you’ll find a full list of car insurance companies that our editorial team has rated and reviewed.
Before you settle on one insurance company, compare quotes from a few insurers. You’ll see which insurers have more affordable rates and it’ll be easier to avoid overpaying for coverage.
You’ve likely heard of the largest car insurers: State Farm, Progressive, GEICO and Allstate. Together, these four companies make up over half of the personal auto insurance market in the U.S.
Some of the other companies rounding out the top 10 list of largest car insurers might also look familiar.
List of biggest car insurance companies by market share
What to know about the biggest car insurance companies
Larger insurers often have advantages over small car insurance companies, like greater financial strength and stability, a wider network of agents and claims adjusters, 24-hour customer service and a better digital experience.
But there’s more to an insurer than size. Below, you’ll find more information about each of the largest auto insurance companies on our list, including pros, cons and the latest available consumer complaint data from the National Association of Insurance Commissioners.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Generous rental car and travel expenses coverage.
Above-average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm is a popular insurer that provides personalized service to its customers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Generous rental car and travel expenses coverage.
Above-average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
Rideshare coverage available.
Cons
Below average rating for claims satisfaction from J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
Rideshare coverage available.
Cons
Below average rating for claims satisfaction from J.D. Power.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Often among the cheapest car insurance companies in NerdWallet's rates analyses.
Many discounts available.
Cons
Doesn't offer gap insurance.
Limited network of local agents.
Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Often among the cheapest car insurance companies in NerdWallet's rates analyses.
Many discounts available.
Cons
Doesn't offer gap insurance.
Limited network of local agents.
Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
This insurance giant is worth a look for those who can qualify for its many discounts and plan to purchase several types of insurance from the same company.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Lots of discount options, including savings for responsible payers, good students and safe drivers.
Offers rideshare insurance in many states.
Cons
Customer ratings are below average for auto insurance claims processing as compared to other companies.
Rates tend to be above average, although discounts are available.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
This insurance giant is worth a look for those who can qualify for its many discounts and plan to purchase several types of insurance from the same company.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Lots of discount options, including savings for responsible payers, good students and safe drivers.
Offers rideshare insurance in many states.
Cons
Customer ratings are below average for auto insurance claims processing as compared to other companies.
Rates tend to be above average, although discounts are available.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Pros
High customer satisfaction ratings.
One-stop shop for insurance as well as banking and investing products.
Policies available in all states and Washington, D.C.
Cons
Available only to military families, veterans and some federal employees.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
USAA offers auto insurance to active military, veterans, certain federal employees and their families only.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Pros
High customer satisfaction ratings.
One-stop shop for insurance as well as banking and investing products.
Policies available in all states and Washington, D.C.
Cons
Available only to military families, veterans and some federal employees.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Pros
Offers many types of car insurance coverage.
Ranks well for customer satisfaction for shopping and claims in surveys conducted by J.D. Power.
Rich online experience compared to many competitors, complete with a highly rated mobile app.
Cons
Receives more complaints than expected for its size.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Pros
Offers many types of car insurance coverage.
Ranks well for customer satisfaction for shopping and claims in surveys conducted by J.D. Power.
Rich online experience compared to many competitors, complete with a highly rated mobile app.
Cons
Receives more complaints than expected for its size.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Received fewer customer complaints than expected for auto insurance.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Cons
Rideshare insurance is not available in all states.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Received fewer customer complaints than expected for auto insurance.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Cons
Rideshare insurance is not available in all states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
May receive an auto insurance discount for being a member of AAA.
Multiple insurance products offered.
Cons
Insurance products differ depending on where you live.
May require AAA membership.
You may have to change AAA insurance providers if you move states.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
May receive an auto insurance discount for being a member of AAA.
Multiple insurance products offered.
Cons
Insurance products differ depending on where you live.
May require AAA membership.
You may have to change AAA insurance providers if you move states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Fewer customer complaints than expected for a company its size for auto and life insurance.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Fewer customer complaints than expected for a company its size for auto and life insurance.
Large insurance companies don’t always have cheaper rates than smaller, regional insurers. As the following table shows, smaller insurers sometimes have lower rates than their larger competitors.
The company with the cheapest car insurance rates can change even across different parts of the same city. The cost of insurance depends on location, as well as other personal factors like your age, vehicle and driving history — no two drivers will have the same rate.
Rates from large insurance companies
Here’s how rates at large insurance companies compare with each other.
*USAA is only available to military, veterans and their families.
Rates from midsize auto insurance companies
Here’s how rates at smaller insurance companies compare with each other. Auto Owners has the largest market share in this group (1.44%), while others in this group have market shares that are less than 1%.
The right insurer depends on the amount of coverage you need. While states have minimum requirements that all drivers must carry, you can decide to add any extra coverage, like gap insurance, custom equipment coverage.
You’ll be able to narrow down your list of insurers when you know what types of auto insurance you need, since not every insurance company has the same offerings. Then, it’s a matter of finding one in your budget with acceptable customer service.
Here are some tips for finding the right company and getting insured:
Collect some basic information. This includes the driving history of the licensed drivers in your home, as well as facts about your car, such as safety features and estimated annual miles driven. Having this information on hand will make shopping go a lot quicker.
Determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you want full coverage insurance and extra coverage options. Check that each company you’re considering has the options you want.
Compare apples to apples. When comparing rates from different insurers, make sure each offers the same coverage limits and deductibles. You may not want to make your decision based on price alone. Pay attention to the complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.
Don’t forget about the smaller insurance companies. When shopping for car insurance, consider a wide range of choices. We offer a list of the nation's biggest car insurance companies to smaller, regional insurers that you might not have been aware of before comparing quotes.
Consider switching insurance companies. Your car insurance rates won’t stay the same year after year. Before renewing your policy, shop around for coverage and make sure you’re still getting a good deal. If another insurer offers you cheaper rates, consider switching your policy.
NerdWallet found median rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
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 median 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 used only rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
These are rates generated through Quadrant Information Services. Your rates will be different.
25 Most Popular Vehicles Methodology
NerdWallet found median insurance estimates based on data collected about the largest insurers in all 50 states and Washington, D.C. Rates were for 35-year-old male and female drivers with good credit, no tickets or violations, and with the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$100,000 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. Some policies include additional coverages at the insurer’s discretion. These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Vehicles listed were among the top-selling models in the U.S. in 2023, according to data collected by Kelley Blue Book. Starting MSRP and insurance rates are for 2024 models.
