The 10 Largest Auto Insurance Companies in the U.S.
Top insurers State Farm, Progressive, GEICO, and Allstate account for more than half the total car insurance market.
Writer: Jessica MartelInsurance Writer
Qualifications:
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Several thousand car insurance companies operate in the U.S. Knowing which auto insurers are the largest can give you an idea of a company’s financial stability and a general understanding of its coverage availability in your area. And by reviewing auto insurance industry ratings, you can learn more about a company’s customer service and claims satisfaction.
Here’s what you should know about the biggest auto insurance companies.
Cheapest recent rates
Insurify’s drivers have found rates ranging from $44/mo. to $123/mo. in the last few days
*Quotes generated for Insurify users within the last 10 days. Last updated on September 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on September 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
10 largest auto insurance companies by market share
The 10 largest car insurance companies account for nearly 77% of the total car insurance market, according to the most recent data from the National Association of Insurance Commissioners (NAIC).[1] State Farm holds the largest share of private passenger auto insurance, at nearly 17%. The second-largest car insurance company is Progressive, at 14%.
Composed of a diverse group of state insurance regulators, the NAIC helps state insurance commissioners by providing them with expertise, data, and analysis of insurance trends and legislation. Each year, the NAIC releases a list of priorities to focus on. For instance, the priorities for 2023 include looking at the impact of climate risk, artificial intelligence, and long-term care insurance needs.
The most recent NAIC data is from 2022. The 2023 market share report will come out by mid-year 2024.
A combined ratio is a common measurement of an insurer’s profitability. This ratio compares the amount a company collects in premiums to how much it pays out in claims annually. For instance, if the insurance company pays $50 in claims and collects $100 in premiums, it has a combined ratio of 50.
A higher ratio correlates to lower profits for the company. The combined ratio for the personal auto sector was 112.2 in 2022, the industry's worst performance in more than a decade. Simply put, this means that for every $1 in premiums insurers collected in 2022, they paid nearly $1.12 in claims. The Insurance Information Institute predicts a 109.5 combined ratio for 2023.
You can also measure profitability by looking at the combined ratio, which is calculated by dividing the amount a company pays its customers in claims and other expenses by the amount it collects in premiums. In 2022, the property and casualty (P&C) insurance sector saw a net combined ratio of nearly 111.8%, according to data published by S&P Global and included in Insurify’s 2023 car insurance report.
Find the direct premiums written, combined ratio, and market share change in 2022 for the top 10 auto insurers in the country below:
1. State Farm
User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$103/mo
Details
4.1
Best choiceBased on 21,158 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options
4.1
3.2
Customer service
4.4
3.6
Discounts
3.9
2.9
Policy transparency
3.9
3.1
Value
3.7
2.9
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Rates go up, and State Farm avoids paying out claims.
Donald
Verified Review
Always Had Good Service
Reviewed in Ohio on September 18, 2026
Very good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Direct premiums written: $46.7 billion
Combined ratio: 98.21
Market share change: 0.91%
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
2. Progressive
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$78/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$132/mo
Details
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Progressive is the cheapest insurance I can find. The people are professional and friendly, but when I needed them, they didn’t come through because of too many loopholes in their policy.
Robert
Verified Review
Corporate Inflates Renewal Premiums — Shop Around
Reviewed in Idaho on September 18, 2026
They keep raising the price 25–50% every time it’s up for renewal. I go to my agent and get the same policy for the lower, previous price. The local agents are good, but the corporate office keeps raising prices to see who’s willing to pay too much.
James
Verified Review
Bait and Switch
Reviewed in Missouri on September 18, 2026
My current car insurance is new, so I can’t say much yet. My prior insurance with Progressive was good until renewal, when I was hit with a 75% rate increase, so I told them goodbye. They get you in cheap, and then when it’s time to renew, they raise your rate a lot.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Direct premiums written: $38.9 billion
Combined ratio: 70.79
Market share change: 0.35%
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Optional coverage for pet injuries
Cons
Much lower-than-average overall customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Trustpilot rating of 1.1 stars (out of 5) from more than 1,000 reviews
Rates trend higher than rates from many competitors
3. Berkshire Hathaway (GEICO)
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$79/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$144/mo
Details
4.0
Best choiceBased on 20,735 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options
4.0
3.2
Customer service
4.1
3.6
Discounts
3.9
2.9
Policy transparency
4.0
3.1
Value
3.9
2.9
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Geico is terrible. They have been overcharging me for quite some time. They told me it was because I was on an old plan.
Young
Verified Review
I’m paying $321, but the ad said they charge half that for 6 months
Reviewed in New York on September 18, 2026
The ads show that the premium is less than GEICO, but I’m paying $321.
Mary
Verified Purchase
Excellent
Reviewed in Florida on September 18, 2026
Easy to sign up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Direct premiums written: $38.1 billion
Combined ratio: 87.96
Market share change: -0.54%
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A++ (Superior) financial strength rating from AM Best
Cons
No rideshare or new car replacement coverage available
Slightly lower customer satisfaction scores from J.D. Power
4. Allstate
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$159/mo
Details
3.8
A solid optionBased on 12,279 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options
3.8
3.2
Customer service
3.9
3.6
Discounts
3.8
2.9
Policy transparency
3.7
3.1
Value
3.3
2.9
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
100/300k full coverage, 6-month policy = $518. ’Nuf said!
Kenny
Verified Review
Auto Insurance Dissatisfaction
Reviewed in Tennessee on September 18, 2026
They’ve started acting like the estimator, and they refuse to use the body shop you think does the best work in your area. I don’t withhold anything from my premiums, so why do they get to dictate how much they’re willing to pay on my behalf when a claim is submitted?
Frank
Verified Review
Excellent
Reviewed in Pennsylvania on September 18, 2026
Great service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Direct premiums written: $29.6 billion
Combined ratio: 81.38
Market share change: 0.28%
Pros
Well-established with superior ratings from AM Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
5. United Services (USAA)
User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$102/mo
Details
4.9
Best choiceBased on 4,304 verified driver reviews and ratings
USAA's score
Industry average
Coverage options
4.9
3.2
Customer service
4.9
3.6
Discounts
4.9
2.9
Policy transparency
4.9
3.1
Value
4.9
2.9
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
No real problems. However, there is a communication issue between USAA and Kentucky regarding insurance, which resulted in having to purchase new plates.
Irving
Verified Review
Fair
Reviewed in California on September 16, 2026
My rates went up by $1,000.
Carolyn
Verified Review
USAA: Not What It Used to Be
Reviewed in New Jersey on September 16, 2026
USAA used to be good, but now it’s way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Direct premiums written: $16.4 billion
Combined ratio: 92.79
Market share change: -0.09
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
6. Liberty Mutual
User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$127/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$207/mo
Details
3.4
A solid optionBased on 4,421 verified driver reviews and ratings
Liberty Mutual's score
Industry average
Coverage options
3.6
3.2
Customer service
3.5
3.6
Discounts
3.3
2.9
Policy transparency
3.4
3.1
Value
3.0
2.9
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
It’s been great so far. I really enjoy the discounts for having a clean, accident-free history.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Direct premiums written: $13.7 billion
Direct loss ratio: 73.69
Market share change: 0.07%
Pros
Wide range of available discounts
Accident forgiveness available
Available in all 50 states and D.C.
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Low customer satisfaction scores from J.D. Power
7. Farmers
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$106/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$209/mo
Details
3.8
A solid optionBased on 2,418 verified driver reviews and ratings
Farmers's score
Industry average
Coverage options
3.6
3.2
Customer service
3.7
3.6
Discounts
3.4
2.9
Policy transparency
3.5
3.1
Value
3.1
2.9
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Based on analysis of verified reviews collected by Insurify
There are cheaper car coverage plans available from other insurers. They are very competitive on home insurance.
Ann
Verified Review
Not That Great
Reviewed in Michigan on July 20, 2026
Be careful—once they get you in, they start hiking up your price.
Sunny
Verified Review
I've been happy with Farmers for years, very happy. I need to save money. That's why I'm looking for a better price.
Reviewed in California on May 27, 2026
I've been happy with Farmers for years, very happy. I need to save money. That's why I'm looking for a better price.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Direct premiums written: $12.6 billion
Combined ratio: 69.96
Market share change: -0.21%
Pros
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Cons
Lower customer satisfaction scores from J.D. Power
Tends to have higher premiums than some competitors
Not available in every state
8. Travelers
User Reviews
4.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$97/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$190/mo
Details
4.6
Best choiceBased on 1,826 verified driver reviews and ratings
Travelers's score
Industry average
Coverage options
4.6
3.2
Customer service
4.6
3.6
Discounts
4.3
2.9
Policy transparency
4.6
3.1
Value
4.3
2.9
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Based on analysis of verified reviews collected by Insurify
Good, but too expensive for an older model car (almost 20 years old). No discounts for having no accidents or citations.
Ralph
Verified Review
Expensive Cost
Reviewed in New York on September 18, 2026
Very expensive, good coverage, and excellent service. The only downside is the price.
David
Verified Review
Good
Reviewed in Florida on September 15, 2026
Good service, but expensive. No complaints otherwise.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Direct premiums written: $5.8 billion
Combined ratio: 76.48
Market share change: 0.07%
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High percentage of 1-star reviews on Trustpilot
9. American Family
User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$82/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$160/mo
Details
4.5
Best choiceBased on 665 verified driver reviews and ratings
American Family's score
Industry average
Coverage options
4.6
3.2
Customer service
4.9
3.6
Discounts
4.5
2.9
Policy transparency
4.5
3.1
Value
4.3
2.9
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Based on analysis of verified reviews collected by Insurify
They gave me scrap price for my car after a deer collision.
Jack
Verified Review
Bad Company
Reviewed in Washington on July 21, 2026
They canceled my policy after 16 years because they said I was deceased, but it was my dad—who had the same name—who passed away.
Mitchell
Verified Review
My AmFam Experience
Reviewed in Kansas on June 24, 2026
Easy to file claims. Claims are handled quickly. Coverage value is better than average.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Direct premiums written: $5.8 billion
Combined ratio: 78.40
Market share change: 0.01%
Pros
High rates of customer satisfaction
Save by bundling auto with home, renters, or motorcycle coverage
Much lower-than-average number of consumer complaints with the National Association of Insurance Commissioners
Cons
Only available in 19 states
Rates are merely moderate compared to other insurers
No rideshare insurance coverage
10. Nationwide
User Reviews
4.3
Details
4.3
Best choiceBased on 1,029 verified driver reviews and ratings
Nationwide's score
Industry average
Coverage options
4.1
3.2
Customer service
4.0
3.6
Discounts
3.7
2.9
Policy transparency
3.9
3.1
Value
3.5
2.9
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Based on analysis of verified reviews collected by Insurify
Nationwide has always been very good about handling all my claims.
William
Verified Review
Average hourly worker being ripped off by an insurance company
Reviewed in Maryland on September 15, 2026
I would highly, highly, highly—really, highly—not recommend getting service with National General through Nationwide. For starters, I had a set locked-in monthly rate, and by the second and third month it was raised by $20.
What was really disturbing is that I made my second-month payment three days early, and at the same time I set up autopay. Then three days later they tried to take the payment out again, and I didn’t have enough in the account to cover it. They charged me a late fee. When I called and explained that I paid three days early and then set up autopay for future payments, I felt it was a mistake on their end to withdraw the money again. They said it was my fault and that the late fee would stand, and there was nothing they could do.
They were willing to let me split the late fee into two payments. On the following month’s payment, I calculated my monthly charge plus half of the late fee, but because they didn’t document what they agreed to, there still wasn’t enough money to cover it. Then I was hit with another late payment. I called again and got the same result: the late fee would stand and there was nothing they could do.
I live paycheck to paycheck and work an hourly job, so I calculate what I need in my account for upcoming monthly bills. Please be careful about who you select for auto insurance, but I would definitely not recommend getting any type of insurance through Nationwide.
Karolyn
Verified Review
Great
Reviewed in Arkansas on August 22, 2026
Good company. No problems. Always ready to help at any time.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Direct premiums written: $5.5 billion
Combined ratio: 73.76
Market share change: -0.14%
Pros
Offers 24/7 roadside assistance coverage add-on
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Accident forgiveness available
Cons
Below-average customer satisfaction scores from J.D. Power
Some discounts and programs not available in all states
Not available in every state
Largest car insurance companies by state
Insurance rates vary based on location because different areas have different levels of risk. For instance, if you live in a city with a bigger population and more traffic congestion, you’ll typically see higher rates because more vehicles result in a higher risk of accidents. Crime rates, weather patterns, state insurance requirements, and more can all affect rates.
Here are the biggest insurance companies by market share in each state, per data from the NAIC, along with the company’s average monthly full-coverage quote, according to internal Insurify data.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
National vs. regional insurance companies: What’s the difference?
Direct premiums written and market share are key differentiators between national and regional insurance companies. National insurers typically provide coverage to multiple regions or nationwide. Regional companies provide insurance to a specific region of the country, or sometimes just one state. Depending on the type of coverage you want, national and regional insurers each have advantages and disadvantages.
For example, national insurers generally offer a wider range of insurance products than regional companies, may provide 24/7 customer support, and can invest more regularly in new technology and services due to a sizable budget. The size, however, can also potentially mean a lack of personal customer support and less flexibility due to corporate regulations.
By comparison, some drivers prefer regional insurers because companies can tailor policies to meet local needs and policyholders can form a relationship with an agent in their community. It also presents an opportunity to support your local economy. Potential drawbacks include shorter business hours and a smaller budget to invest in digital tools and services.
Mutual insurance companies vs. stock insurance companies
Mutual and stock insurance companies operate under different ownership structures. Within a mutual insurance company, the policyholders collectively own the company. The aim of a mutual insurance company is to maintain enough profit to meet policyholder needs. Policyholders may benefit from company profits via dividend distributions or reduced future premiums.
In a stock insurance company, the owners are external shareholders. The goal of a stock insurer is to maximize profits for its shareholders. Policyholders don’t directly feel the effect of a stock insurance company’s profits or losses.[2]
Unlike stock insurance companies, mutual insurance companies tend to focus more on the long-term health of the company rather than prioritizing short-term shareholder profits. However, this also means mutual insurers aren’t as financially flexible as stock insurers because they can’t raise capital by selling shares.
Factors that affect car insurance rates
Several factors can influence car insurance rates, including the following:
Location
Different geographical locations present different risks. If you live in an area with higher rates of crime or accidents, you can expect to pay more. Your state, city, and ZIP code can all affect your premium.
Age
Younger drivers typically pay the most for car insurance because they present a larger risk to insurers due to a lack of experience. After age 25, rates typically start to decrease.
Gender
Women have fewer accidents, driving under the influence (DUI) charges, and serious accidents than their male counterparts, according to the Insurance Information Institute (Triple-I). As a result, women often pay less for car insurance than men.
Driving record
If you’ve had any accidents or serious traffic violations, you can expect to pay more for car insurance than a safe driver. A clean driving record will help you secure a better rate.
Type of vehicle insured
The make and model of your car also influence your insurance rate. Insurers might increase your premium if you drive an expensive car that will cost a lot to repair. But you can earn a discount if your car has top-of-the-line safety features.
Miles driven per year
The more you drive, the higher your chances of getting in an accident. As a result, you can expect to pay more for insurance if you spend a lot of time on the road.[3]
Find Cheap Car Insurance
Insurify partners with 120+ top insurers for accurate quotes
Excellent
4.7 out of 5 based on 17,237 reviews
Secure. Free. Easy-to-use.
How to choose an insurance company
When trying to choose the best insurance company to fit your needs, you should compare the following features:
Cost: The cost of insurance can vary widely between companies.Comparison shoppingcan help you find a company that fulfills your insurance needs and offers competitive rates. The Triple-I recommends getting at least three quotes from different companies before making a decision.[4]
Size: Working with a national or regional insurance company has pros and cons, so you should consider your specific needs when comparing companies. Do you want the 24/7 customer service offered by a national company, or are you more interested in forming a relationship with a local insurance agent?
Industry ratings: To understand how different insurance companies stack up against each other, you can review industry ratings from AM Best, J.D. Power, and the NAIC. These ratings provide objective information on a company’s financial strength, customer service, and claims satisfaction.
Car insurance discounts: Many insurance companies offer a wide variety of insurance discounts. Common driver-based discounts reward safe drivers, military personnel, and good students.
Customer reviews: Read customer reviews on websites like Trustpilot to get a sense of customer satisfaction. If you see the same kind of complaints multiple times, you should use caution before working with a company.
Comparison shopping online is a quick and easy way to get all the information you need to choose the car insurance company that fits your needs and budget.
Car insurance company FAQs
The following information provides more insight if you still have questions about the largest auto insurers in the U.S. and what they offer policyholders.
Which car insurance company is the biggest?
The largest insurance company in the U.S. is State Farm. It has the largest market share of private passenger auto insurance, at nearly 17%, according to 2022 data from the National Association of Insurance Commissioners. State Farm has been in business for more than 100 years and offers a range of insurance products, including car, home, and life insurance.
Which car insurance company has the lowest rates?
Car insurance rates can vary widely by company, based on several variables, including where you live, your age, the type of vehicle you drive, and your driving history. Your rate will also depend on the type of insurance you want. For example, minimum liability coverage options are the cheapest car insurance available.
A recent Insurify analysis of the cheapest car insurance companies listed COUNTRY Financial as the cheapest overall, NJM (formerly New Jersey Manufacturers) as the cheapest regional company, and Nationwide as the cheapest company for good drivers.
Do larger insurance companies have better car insurance rates?
Insurance rates depend on several factors and prices can vary greatly between insurance companies, both regional and national. Larger car insurance companies may often offer low rates because of their scale, but many regional insurers are also competitive.
Which car insurance company is best for paying claims?
According to the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, the best companies for paying claims include Amica, NJM, Erie, Allstate, Farmers, State Farm, American Family, and GEICO.[5] If you get in a car accident, you want to feel confident that your insurance company will issue a payment. This is why it’s so important to find the right insurer.
Which car insurance company is best for young drivers?
The best car insurance companies for young driversinclude State Farm, USAA, and American Family, thanks to affordable rates and discounts. Drivers younger than 25, specifically teen drivers between the ages of 16 and 19, typically pay the highest insurance rates because they’re more at risk of car crashes than any other age group.[6]
If you’ve got a cheap rate and clean driving record, a 12-month policy locks in your low rate for longer. But a six-month term could help you take advantage if rates drop.
To shop for car insurance, compare quotes from multiple insurers, choose the right coverage limits, check discounts, and review policy details before buying.
We tested more than a dozen well-known car insurance comparison websites to find ones that serve real-time, personalized quotes, are user-friendly, and won’t spam your inbox.
Writer: Jessica MartelInsurance Writer
Qualifications:
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
)
)
Writer: Jessica MartelInsurance Writer)
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor)
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
)
)
)
)
)
)
)
)