List of Car Insurance Companies


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Key Takeaways

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State Farm, Progressive and GEICO are the largest car insurance companies in 2025, holding market shares of 19%, 17% and 12%, respectively.

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GEICO, Travelers and National General offer the cheapest monthly premiums for the average driver at $43, $50 and $50, respectively. These rates are for minimum coverage policies.

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Larger insurers dominate the market due to their financial strength, wide availability and robust claims-handling systems.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Largest Car Insurance Companies

Hundreds of companies offer auto insurance in the U.S., but just 10 insurers control 76% of the market. These top providers combine popularity with financial strength, national reach and dependable claims service.

Choosing from this list of major insurers helps ensure you're working with a stable company that can pay claims and support you long term. The table below shows the top 10 car insurance companies in 2025, ranked by market share and rated by AM Best for financial strength.

Company
NAIC Market Share %
AM Best Financial Strength Rating

19%

A++

17%

A+

12%

A++

10%

A+

6%

A++

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.

Major Car Insurance Companies: What to Know

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.

List of Best Car Insurance Companies

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.

Company logo for Travelers
Travelers
MoneyGeek Score:
95/ of 100

Overview

Travelers has been in business for over 165 years and offers multiple coverage types, including home, landlord and boat insurance. With more than 12,000 dedicated claims representatives and a network of 13,500 independent agents, the company provides faster claims handling and broad accessibility. Travelers holds about 2% of the U.S. auto insurance market.

Read MoneyGeek's Travelers Auto Insurance Review

Company logo for GEICO
GEICO
MoneyGeek Score:
91/ of 100

Overview

Founded in 1936, GEICO is now a subsidiary of Berkshire Hathaway and one of the largest auto insurers in the U.S., holding about 12% of the market share. It insures over 28 million vehicles and offers 24/7 customer support through its app, website and phone. GEICO is also known for its military-focused coverage, staffed by veterans.

Read MoneyGeek's GEICO Auto Insurance Review

Company logo for Progressive
Progressive
MoneyGeek Score:
89/ of 100

Overview

Progressive is the second-largest auto insurer in the U.S., holding 17% of the market share. Known for its “Flo” commercials and digital tools, Progressive lets customers compare rates from multiple insurers in one place, making it easy to find competitive pricing.

The company claims drivers can save an average of $650 by switching. Founded in 1937, Progressive now serves over 21 million policyholders and works with over 38,000 independent agents nationwide.

Read MoneyGeek's Progressive Auto Insurance Review

Company logo for State Farm
State Farm
MoneyGeek Score:
86/ of 100

Overview

State Farm is the largest auto insurance company in the U.S., holding about 19% of the market share. Founded in 1922, it offers multiple insurance products, including auto, home, life, rental and rideshare insurance, available in all 50 states. With more than 19,000 local agents and 91 million policies written, State Farm provides accessibility and personalized service. The company also offers options tailored to teen drivers.

Read MoneyGeek's State Farm Auto Insurance Review

Company logo for USAA
USAA
MoneyGeek Score:
95/ of 100

Overview

USAA caters to active-duty military members, veterans and their families, and has done so since its founding in 1922. It offers a wide array of insurance and banking products, including home, flood and life insurance as well as checking and savings accounts and other financial services. USAA holds about 6% of the market share.

Read MoneyGeek's USAA Auto Insurance Review

List of Best Car Insurance Companies by State

Drivers seeking the best auto insurance should check out the specific offerings for their state for 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.

AlabamaCincinnati Insurance92$299$1,015
ArkansasTravelers93$496$1,069
CaliforniaProgressive94$603$1,151
District of ColumbiaErie Insurance94$661$1,301
GeorgiaAuto Owners93$547$1,201
HawaiiFarmers89$424$866
IllinoisAuto Owners91$375$877
IndianaGrange Insurance92$434$765
IowaProgressive96$242$926
KansasTravelers92$407$910
LouisianaProgressive96$893$2,584
MarylandTravelers90$817$1,417
MinnesotaAuto Owners91$403$897
MississippiProgressive89$550$1,452
MissouriTravelers95$484$978
NebraskaAuto Owners92$338$826
New HampshireSafety Insurance94$371$836
New YorkProgressive98$402$745
North CarolinaProgressive96$425$737
North DakotaProgressive93$407$844
OregonProgressive98$553$975
PennsylvaniaErie Insurance96$334$945
Rhode IslandAmica91$534$1,176
South CarolinaAuto Owners90$638$1,138
UtahAuto Owners94$632$1,130
VermontState Farm87$256$665
WashingtonFarmers94$563$1,270
West VirginiaErie Insurance96$430$1,096
WisconsinTravelers92$349$706
WyomingFarmers88$308$999

List of Car Insurance Companies With the Lowest Rates

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. Explore our list of the cheapest car insurance companies at a national level.

Data filtered by:Results filtered by:
Select
Coverage:State Minimum Liability Only
Geico$43$522
Travelers$50$601
National General$50$605
State Farm$51$616
Amica$56$670
Chubb$61$728
Kemper$62$744
Progressive$67$802
AAA$69$822
Nationwide$71$852
Farmers$78$938
Allstate$81$971
AIG$81$972
UAIC$119$1,433
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MONEYGEEK EXPERT TIP

While premiums vary widely based on location, driving history and vehicle type, some companies consistently offer competitive rates.

List of Cheap Car Insurance Companies by State

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.

AlabamaAIG$268$817
ArkansasFarm Bureau$383$1,032
CaliforniaGeico$465$1,085
District of ColumbiaChubb$352$1,300
GeorgiaGeico$498$1,214
HawaiiGeico$292$787
IllinoisGeico$368$830
IndianaGeico$387$755
IowaTravelers$340$789
KansasGeico$309$853
LouisianaGeico$659$1,894
MarylandGeico$586$1,002
MinnesotaWestfield Insurance$231$986
MississippiFarm Bureau$402$1,140
MissouriAuto Owners$402$948
NebraskaFarmers Mutual Ins Co of NE$216$802
New HampshireMMG Insurance$382$718
New YorkNYCM Insurance$305$700
North CarolinaState Farm$289$671
North DakotaGeico$310$677
OregonState Farm$455$1,058
PennsylvaniaTravelers$359$815
Rhode IslandState Farm$500$1,025
South CarolinaAmerican National$413$764
UtahGeico$573$1,118
VermontCo-operative Insurance$189$604
WashingtonGeico$503$1,214
West VirginiaWestfield Insurance$362$1,157
WisconsinGeico$249$655
WyomingAmerican National$218$753

Car Insurance Company Listings: Quote Comparisons

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 2 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.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

$192
High
$139
Average
$87
Low

Rates updated:

Jul 09, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

GEICO

82
/of 100
$109
3
83
/of 100
$118
4
83
/of 100
$129
5
79
/of 100
$133
6
77
/of 100
$151
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CHOOSING A LARGE CAR INSURANCE COMPANY

Choosing a major auto insurance company often means better resources, faster claims processing and access to a well-established customer service system. These companies also tend to have thousands of customer reviews, making it easier to evaluate their service quality and reliability.

Types of Coverage Features Offered by Top Car Insurers

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

    statefarmDark icon

    State Farm’s Mobile App

    Lets you manage claims, upload documents, track policy info and request roadside assistance directly from your phone.

    progressiveDark icon

    Progressive’s Name-Your-Price Tool

    Set your budget and explore coverage options based on what you're willing to pay, whether you're shopping for liability-only car insurance or full coverage.

    geicoDark icon

    GEICO's Virtual Assistant and Digital Claims Center

    GEICO's mobile app and virtual assistant provide 24/7 support for filing claims, updating policies and tracking repairs, all without speaking to an agent.

    allstateDark icon

    Allstate's Drivewise Program

    Track your driving behavior to earn rewards and potential premium discounts. The app also offers crash detection and real-time driving insights.

    usaaDark icon

    USAA's SafePilot App

    Designed for military members and their families, SafePilot rewards safe driving habits with discounts up to 30%. The app also supports accident assistance and roadside services.

    carInsurance icon

    Nationwide’s SmartRide Program

    Offers feedback on your driving habits and up to 40% in savings through a usage-based app or plug-in device.

How to Save on Car Insurance

Car insurance doesn't have to drain your budget. You can reduce costs through discount stacking and policy optimization. Here's what works:

  1. 1

    Bundle Your Policies for Maximum Savings

    Combining your auto and home insurance with the same company usually saves money on both policies. Insurers prefer customers with multiple policies because they're less likely to switch companies, and insurers earn more revenue per customer. Even if the bundled rate isn't the cheapest for each individual policy, the combined savings often beat shopping separately.

  2. 2

    Maintain a Clean Driving Record

    Your driving history directly impacts your rates for three to five years. A single speeding ticket can increase premiums substantially, while a DUI can triple your costs. Many insurers offer accident forgiveness programs that protect your rates after your first minor incident. Safe driver discounts and telematics monitoring programs reward drivers who demonstrate safe habits.

  3. 3

    Optimize Your Deductibles Strategically

    Raising your deductible reduces your premium. But don't just chase the lowest monthly payment. Make sure you can comfortably afford the higher out-of-pocket cost if you need to file a claim. For older vehicles, consider dropping comprehensive and collision coverage entirely if the maximum payout doesn't justify the premium cost.

  4. 4

    Take Advantage of Lesser-Known Discounts

    Most drivers miss these money-saving opportunities:

    • Defensive driving courses can reduce rates in many states.
    • Low-mileage discounts apply if you drive fewer miles annually.
    • Professional discounts are available for teachers, military members, federal employees and alumni of certain universities.
    • Payment discounts include savings for paying your full premium upfront or enrolling in automatic payments.
  5. 5

    Shop Around Every Six Months

    Insurance rates change frequently, and loyalty doesn't always pay. We found that switching car insurance companies can save drivers hundreds of dollars annually. Different insurers excel for different driver profiles. Compare quotes from at least three to five companies when your policy renews, focusing on total cost while ensuring coverage limits and deductibles match across quotes.

List of Auto Insurance Companies: Bottom Line

State Farm, Progressive, GEICO, Allstate and USAA are the largest car insurance companies, dominating the market with financial strength and wide availability. Choosing the right car insurance means finding coverage that fits your needs and budget, not just picking the biggest provider or cheapest policy. Our analysis shows that no single company is best for everyone, but clear patterns emerge for different driver profiles. 

Whether you prefer a large insurer with robust resources or a smaller company with personalized service, understanding your options helps you choose the best coverage. The key is getting quotes from multiple companies since rates vary based on your location, driving record and coverage needs.

Car Insurance Companies: FAQ

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.

What should I look for when comparing car insurance companies?

What is the difference between a national and regional car insurance company?

Are smaller or lesser-known car insurance companies trustworthy?

Do all car insurance companies offer the same coverage types?

Which car insurance company is best for military members?

Which car insurance company is cheapest overall?

What's the difference between minimum coverage and full coverage?

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Top Car Insurance Companies: Our Review Methodology

Our Research Approach

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 Profile:

  • 40-year-old male driver
  • 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:

  • Customer Satisfaction (45%): How well insurers handle claims and customer service, using NAIC complaint data
  • Claims Experience (30%): Satisfaction during the claims process, combining Crash Network scores with NAIC data
  • Coverage Options (20%): Available coverages and valuable add-ons that provide extra financial protection
  • Financial Stability (5%): AM Best ratings that show the company's ability to pay claims, even during tough financial times

This weighting prioritizes customer experience over marketing promises, so you know which companies actually deliver when you need them most. 

Learn more about MoneyGeek’s car insurance methodology.

Automotive Insurance Companies: Related Articles

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!

He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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