Car Insurance Companies

Use The Zebra to compare popular auto insurance companies, find the perfect policy for you, and save money.

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Auto insurance isn't one-size-fits-all: a policy that suits your neighbor might not be right for you. Comparing quotes from the best car insurance companies can pay dividends in the form of lower premiums and better coverage. We've done some of the legwork by gathering data and putting together a comprehensive list of car insurance companies.

Use the links below to compare auto insurance companies' discounts, customer satisfaction scores, coverage options, and financial strength ratings. If you're curious about the best ways to save on car insurance, consult our collection of auto insurance resources.

When you're ready to find a new policy, use The Zebra to get free insurance quotes online. 

 

What are the most popular auto insurance companies in America?

If you’re looking for the best cheap auto insurance, it might make sense to go with one of the most popular car insurance companies. Many major auto insurers are popular because of their affordable rates, reliable financials, broad territorial coverage, and responsive customer service. Let's explore the top property and casualty insurance companies for 2019, assessing their market share and customer service ratings. 

Below are the largest car insurance companies in America by market share, according to the National Association of Insurance Commissioners (NAIC).

Carrier

Premiums Written ($)

Market Share

State Farm

$65,856,898,170

9.76%

GEICO (Berkshire Hathaway)

$43,869,809,385

6.50%

Liberty Mutual

$34,605,081,217

5.13%

Progressive

$33,754,922,894

5.00%

Allstate

$33,251,176,400

4.93%

Travelers

$26,244,171,590

3.89%

Chubb

$22,008,957,111

3.26%

USAA

$21,984,970,084

3.26%

Farmers

$20,309,965,620

3.01%

Nationwide

$18,416,860,937

2.73%


The total monetary value of premiums sold is the standard measure of an auto insurance company's size, but other variables are worth considering when comparing car insurance.

See below summaries of popular auto insurance companies' customer service ratings, claims satisfaction, and prices. For more information, consult The Zebra's full list of insurance company reviews for 2020.

 


 

1. State Farm

State Farm's major selling points include a personal insurance agent for every client and the backing of a company that controls a stunning 18% of the auto insurance market. This service and stability factors into State Farm's rates. The average State Farm policyholder pays 16% more per six-month term than does a client of a typical major insurer (methodology).

 

Key Comparison Indicator

State Farm

JD Customer Satisfaction

3/5

JD Power Claims Service Rating

3/5

JD Power Settlement Rating

3/5

AM Best Financial Stability Rating

Superior

NAIC Customer Complaint Score

Below Average

Average Premium (6 Months)

$779

Cost vs. Average Top 10 Rate

+$97

 

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2. GEICO

Currently holding 13% of the market, GEICO has cheaper-than-average rates and middling customer service reviews. At $580 for a six-month premium, GEICO provides coverage for $102 less than the average of the top 10 auto insurance companies. According to the NAIC's complaint ratio, GEICO was on the receiving end of fewer complaints than average in 2018.

 

Key Comparison Indicator

GEICO

JD Customer Satisfaction

3/5

JD Power Claims Service Rating

3/5

JD Power Settlement Rating

3/5

 

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Score

Good

Average Premium (6 Months)

$580

Cost vs. Average Top 10 Rate

-$102


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3. Progressive

With an 11% market share, Progressive has an average JD Power Customer Satisfaction rating and complaint score. If you want to cover your vehicle with a Progressive auto insurance policy, expect to pay $15 more per month than the group average. Based on our sample driving profile, Progressive is the fourth-most expensive provider.

 

Key Comparison Indicator

Progressive

JD Customer Satisfaction

3/5

JD Power Claims ServiceRating

3/5

JD Power Settlement Rating

3/5

 

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Score

Average

Average Premium (6 Months)

$771

Cost vs. Average Top 10 Rate

+$89

 

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4. Allstate

Allstate has an average JD Power Rating and relatively few registered NAIC complaints. Allstate is one of the more expensive major insurers in America. At $947 for a six-month premium, covering a vehicle through Allstate costs $265 more than choosing another large auto insurance company.

 

Key Comparison Indicator

Allstate

JD Customer Satisfaction

3/5

JD Power Claims Service Rating

3/5

JD Power Settlement Rating

3/5

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Score

Good

Average Premium (6 Months)

$947

Cost vs. Average Top 10 Rate

$265

Related content:

 


 

5. USAA

Despite servicing military members and their families only, USAA holds nearly 6% of the auto insurance market. The company holds superior JD Power ratings and offers considerable auto insurance discounts for qualifying drivers. Of the 10 car insurers surveyed, USAA's rates are the most affordable.

 

Key Comparison Indicator

USAA

JD Customer Satisfaction

5/5

JD Power Claims Service Rating

5/5

JD Power Settlement Rating

5/5

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Score

Average

Average Premium (6 Months)

$444

Cost vs. Average Top 10 Rate

-$238

 

Related content:

 


 

6. Liberty Mutual

Liberty Mutual is rated slightly below average by the NAIC complaint score and JD Power. Based on a sample driver, Liberty Mutual's rates are $265 more per six-month policy than the average large insurer. 

 

Key Comparison Indicator

Liberty Mutual

JD Customer Satisfaction

2/5

JD Power Claims Service Rating

2/5

JD Power Settlement Rating

3/5

AM Best Financial Strength Rating

Excellent

NAIC Customer Complaint Score

Poor

Average Premium (6 Months)

$947

Cost vs. Average Top 10 Rate

+$265

 

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7. Farmers

Farmers scores well in an overall assessment. The California-based insurance company has gross customer service ratings of 4 out of 5 and a "Good" complaint score from the NAIC. As with State Farm, Farmers customers also get their own insurance agent. On average, a Farmers policy is slightly more expensive than the group average, at $754 for a six-month term.

 

Key Comparison Indicator

Farmers

JD Customer Satisfaction

4/5

JD Power Claims Service Rating

4/5

JD Power Settlement Rating

4/5

 

AM Best Financial Strength Rating

Excellent

NAIC Customer Complaint Score

Good

Average Premium (6 Months)

$754

Cost vs. Average Top 10 Rate

+$72

Related content:

 


 

8. Nationwide

Although Nationwide offers relatively cheap premiums, the company's overall customer satisfaction sits near the middle of the pack. A six-month insurance policy from Nationwide costs an average of $557 — or $93 per month — about $125 less than average.

 

Key Comparison Indicator

Nationwide

JD Customer Satisfaction

3/5

JD Power Claims Service Rating

3/5

JD Power Settlement Rating

3/5

 

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Score

Good

Average Premium (6 Months)

$557

Cost vs. Average Top 10 Rate

-$125

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9. Travelers

Although Travelers commands just less than 2% of the market, it sells cheaper-than-average policies and holds good customer service ratings. Travelers enjoys a positive claims service rating from JD Power and an average complaint rating from NAIC. At $553 per six-month policy, Travelers is $129 cheaper than the group average.

 

Key Comparison Indicator

Travelers

JD Customer Satisfaction

3/5

JD Power Claims Service Rating

4/5

JD Power Settlement Rating

3/5

 

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Score

Average

Average Premium (6 Months)

$553

Cost vs. Average Top 10 Rate

-$129

Related content:

 


 

10. American Family

The 10th-largest auto insurance company in the U.S., American Family, holds 2% of the market share and is responsible for $4.4 million in direct premiums. American Family has a 3 out of 5 JD Power rating and a good NAIC complaint score. Among the best insurance companies, American Family is the second-cheapest, at $545 for a six-month premium.

 

Key Comparison Indicator

American Family

JD Customer Satisfaction

3/5

JD Power Claims Service Rating

3/5

JD Power Settlement Rating

3/5

AM Best Financial Strength Rating

Excellent

NAIC Customer Complaint Score

Good

Average Premium (6 Months)

$545

Cost vs. Average Top 10 Rate

-$137

Related content:

 


 

List of car insurance companies: which one is the best?

Finding the best auto insurance company comes down to finding high-quality coverage at a competitive price. Use the car insurance premiums we displayed as a jumping-off point to guide your insurance shopping process. The Zebra's baseline data reflects a driver with a good credit score and a spotless driving record. These car insurance premiums might not match precisely a personalized quote you receive.

If you’re ready to find affordable auto insurance, enter your ZIP code below to see what the biggest and best car insurance companies in the U.S. have to offer.