Complete List of the Largest Car Insurance Companies (2025)

Choosing the right car insurance company can feel overwhelming, but looking at the largest and most trusted insurers is a smart place to start. MoneyGeek analyzes providers nationwide using real data on pricing, coverage, financial stability, customer satisfaction and complaints.

While hundreds of insurers operate in the U.S., the top 10 insures control more than three-quarters of the market. These leaders combine popularity with strong financial ratings, national reach and reliable claims service.

Below, you’ll find our list of evaluated auto insurance providers, including the top 10 ranked by market share and AM Best ratings in 2025, along with additional companies we review. Use our expert insights and comparison tools to find the provider that best fits your budget and driving needs.

Note: Market share data is based on the NAIC's Market Share Report, showing how much of the auto insurance market each company holds. AM Best rates insurers’ financial strength, with A++ to A- indicating strong claims-paying ability.

Insurance rates and availability vary by state due to different regulations, weather patterns and claims experience. Some rating factors may be restricted or prohibited in certain states.

Explore MoneyGeek’s reviews of top car insurance companies. Compare pricing, coverage, service and financial strength to find the insurer that best fits your needs.

You might recognize the biggest names in car insurance, but the best company for you depends on where you live, how much coverage you need and what fits your budget. We evaluated top insurers based on affordability, customer satisfaction, claims handling and more to help you find the best car insurance for your unique needs.

Each major insurer has distinct strengths that make it better for different types of drivers. Here's what sets the top companies apart and who they serve best.

Drivers seeking the best auto insurance should check the specific offerings for their state to get the most accurate rates. Insurance rates vary by state due to different regulations, weather patterns and claim frequencies. We analyzed the best-performing companies in each state based on rates, coverage options and customer satisfaction.

Use the table below to discover your state's best car insurance provider. Select your state to learn more about the rates by driver profile and coverage needs.

Affordability is a key factor for many people when choosing a policy. We've compiled a list of the cheapest car insurance companies.

If you're shopping primarily on price, these companies offer the most competitive rates for minimum and full coverage policies across multiple states. Here's our list of the cheapest car insurance companies at a national level.

Car insurance costs vary by state. We've compiled the cheapest car insurance companies by state to help you find affordable coverage that meets your state's minimum requirements. The cheapest options vary by location due to different underwriting approaches and claims experience.

Select your state to learn more about rates by driver profile and coverage needs.

Buying car insurance doesn't have to be complicated. Start by figuring out how much coverage you need based on your budget and risk level. Then gather basic details like your vehicle's make and model, your driving history and your personal information to generate accurate quotes.

You can request quotes online or by speaking with a company representative. To find the best rate, compare at least three quotes. Our car insurance calculator analyzes over two million quotes from 67 insurers across 897 ZIP codes to estimate your costs based on your profile. It's free, safe and doesn't require personal data.

Major insurance companies offer digital tools that simplify policy management and improve customer service. Here are key features that differentiate leading insurers:

If you're comparing car insurance companies, you probably have questions about how they differ, which ones are right for your needs and what to look for beyond price. Here are answers to common questions shoppers ask.

Shopping for car insurance feels overwhelming when every company claims to offer the "best" coverage and rates. We designed our research to cut through the marketing noise and give you data-driven answers about which insurers actually deliver on their promises.

Our analysis focuses on what matters most when you're comparing car insurance: reliable financial protection at a fair price, backed by companies that handle claims well and stay financially stable when you need them most.

How We Gathered the Data

We collected 2,118,312 quotes from 67 companies across 897 ZIP codes through Quadrant Information Services to ensure our rate comparisons reflect real-world pricing. This massive dataset lets us show you what drivers actually pay, not just advertised rates.

For company evaluations, we used industry-standard sources that track insurer performance:

• J.D. Power for customer satisfaction during the claims process
• AM Best for financial strength ratings that show which companies can pay claims
• National Association of Insurance Commissioners (NAIC) for complaint data that reveals customer service quality

Our Sample Driver Profile

We use a standard profile to make fair comparisons across insurers, then adjust for different ages, locations, driving records and coverage needs:

Base Driver Profile:

• 40-year-old man
• Clean driving record
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• 100/300/100 liability coverage (higher than most state minimums)
• Comprehensive and collision with $1,000 deductible (full coverage protection)

This profile represents a typical driver who wants solid financial protection without paying for unnecessary extras.

MoneyGeek Scoring System

We weigh factors based on what impacts your real-world experience with car insurance:

• Affordability (60%): Real-world pricing based on our comprehensive quote data, normalized against the competition within factor profiles
• Customer Experience (30%): How well insurers handle claims and customer service, using data from agent networks, Google Business ratings, industry sources like J.D. Power and NAIC and forum sentiment analysis
• Coverage Options (10%): Available coverages and valuable add-ons that provide extra financial protection

This weighting reflects what drivers told us matters most: cost comes first, customer experience second and coverage options last.

Learn more about MoneyGeek’s car insurance methodology.