The Most Popular Auto Insurance Companies in the U.S.
Learn more about the most popular insurance companies in America, listed below by market share.
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
Drew joined The Zebra as a Senior Content Specialist in 2026, bringing more than a decade of content writing and research experience to help develop …
Credentials
- SEO Copywriting Certification — SEO Content Institute
The 10 most popular car insurance companies in the U.S.
Insurance isn't one-size-fits-all: a policy that suits your neighbor might not be right for you. Comparing auto insurance from the best companies can pay dividends in the form of lower premiums and better coverage.
Use the list below to view basic info on some of America's most popular auto insurance companies. If you're looking for in-depth reviews of each company, start by visiting our guides:
The Best Cheap Car Insurance
See which company offers the best cheap car insurance. Compare coverage options, find affordable auto insurance and save on your next policy.
The Best Car Insurance Companies
Learn more about the best car insurance companies, including USAA, State Farm, GEICO and others.
Top auto insurance companies, ranked by market share
As reported by the National Association of Insurance Commissioners (NAIC), the top 10 car insurance companies account for over 75% of the total market. Check out the full list below, plus each company's review score from The Zebra.
- State Farm and Progressive fight for the top spot each year
- The other top 10 companies remain consistent
- All of these companies offer coverage in all 50 states
| Company | Market Share (%) | The Zebra Review Score |
|---|---|---|
| State Farm | 18.64 | 3.6/5 |
| Progressive | 18.6 | 4/5 |
| GEICO | 11.56 | 3.8/5 |
| Allstate | 10.15 | 2.9/5 |
| USAA | 6.19 | 4.1/5 |
| Farmers | 3.57 | 3.6/5 |
| Liberty Mutual | 2.81 | 2.9/5 |
| Travelers | 1.93 | 3.8/5 |
| AAA | 1.9 | 3.9/5 |
| American Family | 1.53 | 3.8/5 |
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Compare prices and scores from the top 3 insurers
4. Allstate
2.9/5 stars
As rated by The Zebra experts
649/1000
JD Power customer service score
A+
Financial strength score from A.M. Best
Allstate Insurance Review
Reviews and ratings for Allstate rate it a fair company with a 2.9/5 score in 2026. Read Allstate's reviews, complaints and prices before you buy.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
5. USAA
4.1/5 stars
As rated by The Zebra experts
679/1000
JD Power customer service score
A++
Financial strength score from A.M. Best
USAA Insurance Review
Reviews and ratings for USAA rate it a solid company with a 4.1/5 score in 2026. Read USAA's reviews, complaints and prices before you buy.
6. Farmers
3.6/5 stars
As rated by The Zebra experts
668/1000
JD Power customer service score
A
Financial strength score from A.M. Best
Farmers Insurance Review
Reviews and ratings for Farmers rate it a good company with a 3.6/5 score in 2026. Read Farmers's reviews, complaints and prices before you buy.
7. Liberty Mutual
Unfortunately, Liberty Mutual doesn’t make its rate filings publicly available like many other insurers do. Because of that, it’s difficult to assess how competitive their pricing really is. If you’re considering Liberty Mutual, the best way to understand their affordability is to get a quote and compare it directly with other options during your search.
2.9/5 stars
As rated by The Zebra experts
661/1000
JD Power customer service score
A
Financial strength score from A.M. Best
Liberty Mutual Insurance Review
Reviews and ratings for Liberty Mutual rate it a fair company with a 2.9/5 score in 2026. Read Liberty Mutual's reviews, complaints and prices before you buy.
8. Travelers
3.8/5 stars
As rated by The Zebra experts
657/1000
JD Power customer service score
A++
Financial strength score from A.M. Best
Travelers Insurance Review
Get the inside scoop on Travelers before you buy. Expert data analysis and customer reviews give you the full picture on price, coverage, claims, and more.
9. AAA
3.9/5 stars
As rated by The Zebra experts
677/1000
JD Power customer service score
A
Financial strength score from A.M. Best
Updating data...
| Company | Liability Only | Full Coverage |
|---|---|---|
| AAA | $399 | $1,139 |
Source: The Zebra
AAA Insurance Review
Reviews and ratings for AAA rate it a good company with a 3.9/5 score in 2026. Read AAA's reviews, complaints and prices before you buy.
10. American Family
3.8/5 stars
As rated by The Zebra experts
582/1000
JD Power customer service score
A
Financial strength score from A.M. Best
Updating data...
| Company | Liability Only | Full Coverage |
|---|---|---|
| American Family | $520 | $1,453 |
Source: The Zebra
American Family Insurance Review
Reviews and ratings for American Family rate it a good company with a 3.8/5 score in 2026. Read American Family's reviews, complaints and prices before you buy.
Large vs. small insurance companies
Adequate car insurance coverage and affordbale rates can be found at a company of any size. Both large and small insurers can offer great value, but they tend to shine in different areas.
Larger insurance companies often have more resources, like robust mobile apps, broader coverage options, and nationwide availability. Smaller insurers may serve fewer states, but they often stand out for personalized service and a better customer experience.
-
Modern online and mobile capabilities
-
Broad coverage options, discounts
-
Quicker to pay out claims
-
Premiums are usually more expensive than with smaller companies
-
Less personalized attention
-
Rates can be cheaper than those of major carriers
-
Individualized customer service
-
Online quoting and mobile policy management are less likely to be available
-
May only offer basic coverage options
-
Claims can take longer to sort out
How to choose an insurance company
Think about what matters most to you in an insurance company— do you value price above all, or do you need special coverage options, modern technology, or excellent customer service? While the best policy balances all of these, price is often the deciding factor. To put it simply, shopping around is the best place to start. The Zebra compares quotes with insurance providers of all sizes to find you the best fit for your needs. Enter your ZIP code below or contact our in-house agency to begin.
Get car insurance quotes from The Zebra today!
Frequently asked questions
-
NAIC Property and Casualty Market Share. NAIC
NAIC Property and Casualty Market Share. NAIC
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
U.S. Auto Insurance Study. J.D. Power
U.S. Auto Insurance Study. J.D. Power
-
Property/Casualty Insurance Information. A.M. Best
Property/Casualty Insurance Information. A.M. Best
