Learn more about the most popular insurance companies in America, listed below by market share.
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 to the best car insurance companies and best home insurance companies.
When you're ready to find a new policy, use The Zebra to get free insurance quotes online.
If you’re looking for cheap auto insurance, start by evaluating the most popular car insurance companies. Many major auto insurers are popular because of their affordable car insurance rates, reliable financials, broad territorial coverage, and responsive customer service and claims process. Let's explore the top property and casualty insurance companies, assessing their market share and customer service ratings.
Below are the largest insurance companies in America by market share for private passenger auto insurance. This data comes from the National Association of Insurance Commissioners (NAIC) and includes ratings from J.D. Power.
|
Carrier |
Premiums Written ($) |
Market Share |
|
$40,397,655,895 |
16.2% |
|
|
GEICO (Berkshire Hathaway) |
$33,785,461,624 |
13.6% |
|
$33,171,940,695 |
13.3% |
|
|
$22,726,698,535 |
9.1% |
|
|
$15,772,993,227 |
6.3% |
|
|
$11,847,079,323 |
4.7% |
|
|
$9,936,839,825 |
4.0% |
|
| Nationwide |
$5,778,148,603 |
2.3% |
|
$5,168,252,093 |
2.0% |
|
|
$4,890,392,624 |
1.9% |
The total monetary value of premiums sold is the standard measure of size for an auto insurance provider, but other variables are worth considering when comparing car insurance options.
See below summaries of popular auto insurance companies' customer service ratings, claims satisfaction and rates.
State Farm's major selling points include a personal insurance agent for every client and the backing of a company that controls 16% of the auto insurance market. This service and stability factors into State Farm's rates. The average State Farm policyholder pays 18% less than does a client of a typical major insurer.
|
Key Comparison Indicator |
State Farm |
|
J.D. Power Customer Satisfaction Rating (2021) |
872 (Above Average) |
|
J.D. Power Claims Satisfaction Rating (2021) |
892 (Above Average) |
|
AM Best Financial Stability Rating |
Superior |
|
NAIC Customer Complaint Index |
Average |
|
Average Monthly Cost |
$107 |
|
Monthly Cost vs. Average Top 10 Rate |
$19 less |
GEICO offers affordable rates and solid customer service reviews. At $100 per month, GEICO stands as an affordable coverage option. According to the NAIC, GEICO was on the receiving end of fewer complaints than average in the most recent year of reporting.
|
Key Comparison Indicator |
GEICO |
|
J.D. Power Customer Satisfaction Rating (2021) |
869 (Average) |
|
J.D. Power Claims Satisfaction Rating (2021) |
881 (Average) |
|
AM Best Financial Stability Rating |
Superior |
|
NAIC Customer Complaint Index |
Good |
|
Average Monthly Cost |
$100 |
|
Monthly Cost vs. Average Top 10 Rate |
$26 less |
The third-largest auto insurance provider in America — with 13% market share — Progressive has middling J.D. Power customer satisfaction scores. If you want auto insurance coverage from Progressive, expect to pay a bit more per month than average. Based on our sample driving profile, Progressive is moderately priced: it's the fifth-most expensive provider.
|
Key Comparison Indicator |
Progressive |
|
J.D. Power Customer Satisfaction Rating (2021) |
856 (Below Average) |
|
J.D. Power Claims Satisfaction Rating (2021) |
862 (Below Average) |
|
AM Best Financial Stability Rating |
Superior |
|
NAIC Customer Complaint Index |
Average |
|
Average Monthly Cost |
$134 |
|
Monthly Cost vs. Average Top 10 Rate |
$7 more |
Allstate has an average J.D. Power Rating and relatively few registered NAIC complaints. Allstate is one of the pricier major insurers in America, averaging as the most expensive out of the ten largest insurance providers. At $168 per month, covering a vehicle through Allstate costs $41 more than choosing another large auto insurance company.
Esurance is an owned subsidiary of Allstate.
|
Key Comparison Indicator |
Allstate |
|
J.D. Power Customer Satisfaction Rating (2021) |
870 (Average) |
|
J.D. Power Claims Satisfaction Rating (2021) |
870 (Average) |
|
AM Best Financial Strength Rating |
Superior |
|
NAIC Customer Complaint Index |
Good |
|
Average Monthly Cost |
$168 |
|
Monthly Cost vs. Average Top 10 Rate |
$41 more |
Despite only offering policies for military members and their families, USAA holds 6% market share within the auto insurance space. The company earns exceptional J.D. Power ratings and offers considerable auto insurance discounts for qualifying drivers. Of the 10 car insurance companies surveyed, USAA's rates were the cheapest.
|
Key Comparison Indicator |
USAA |
|
J.D. Power Customer Satisfaction Rating (2021) |
902 (Excellent) |
|
J.D. Power Claims Satisfaction Rating (2021) |
909 (Excellent) |
|
AM Best Financial Strength Rating |
Superior |
|
NAIC Customer Complaint Index |
Average |
|
Average Monthly Cost |
$90 |
|
Monthly Cost vs. Average Top 10 Rate |
$37 less |
Liberty Mutual carries a slightly below-average NAIC complaint score and solid customer sentiment, as measured by J.D. Power. Based on The Zebra's data, Liberty Mutual's rates are $16 more expensive per month than are the rates of the average large insurer.
|
Key Comparison Indicator |
Liberty Mutual |
|
J.D. Power Customer Satisfaction Rating (2021) |
872 (Above Average) |
|
J.D. Power Claims Satisfaction Rating (2021) |
876 (Average) |
|
AM Best Financial Strength Rating |
Excellent |
|
NAIC Customer Complaint Index |
Poor |
|
Average Monthly Cost |
$143 |
|
Monthly Cost vs. Average Top 10 Rate |
$16 more |
Farmers scores moderately well in an overall assessment. The California-based insurance company has mixed customer service ratings and a below-average rating from the NAIC. As with State Farm, Farmers customers also get their own insurance agent. An auto insurance policy from Farmers is slightly more expensive than the average among large companies.
|
Key Comparison Indicator |
Farmers |
|
J.D. Power Customer Satisfaction Rating (2021) |
868 (Below Average) |
|
J.D. Power Claims Satisfaction Rating (2021) |
893 (Excellent) |
|
AM Best Financial Strength Rating |
Excellent |
|
NAIC Customer Complaint Index |
Below Average |
|
Average Monthly Cost |
$137 |
|
Monthly Cost vs. Average Top 10 Rate |
$10 more |
Nationwide offers relatively cheap premiums and the company's overall customer satisfaction sits near the middle of the pack. An auto insurance policy from Nationwide costs an average of $119 per month — about $8 less than average.
|
Key Comparison Indicator |
Nationwide |
|
J.D. Power Customer Satisfaction Rating (2021) |
846 (Poor) |
|
J.D. Power Claims Satisfaction Rating (2021) |
876 (Average) |
|
AM Best Financial Strength Rating |
Superior |
|
NAIC Customer Complaint Index |
Average |
|
Average Monthly Cost |
$119 |
|
Monthly Cost vs. Average Top 10 Rate |
$8 less |
The ninth-largest auto insurance company in the U.S., American Family, holds a little over 2% of the market share. American Family has solid ratings from J.D. Power and an average NAIC complaint score. Among the largest insurance companies, American Family is the fourth cheapest.
|
Key Comparison Indicator |
American Family |
|
J.D. Power Customer Satisfaction Rating (2021) |
899 (Excellent) |
|
J.D. Power Claims Satisfaction Rating (2021) |
889 (Above Average) |
|
AM Best Financial Strength Rating |
Excellent |
|
NAIC Customer Complaint Index |
Average |
|
Average Monthly Cost |
$112 |
|
Monthly Cost vs. Average Top 10 Rate |
$15 less |
Travelers owns just less than 2% of the U.S. insurance market, selling pricier-than-average policies. Travelers earns decent J.D. Power ratings and a good complaint rating from NAIC. At $154 per month, Travelers is more expensive than the group average.
|
Key Comparison Indicator |
Travelers |
|
J.D. Power Customer Satisfaction Rating (2021) |
860 (Below Average) |
|
J.D. Power Claims Satisfaction Rating (2021) |
871 (Average) |
|
AM Best Financial Strength Rating |
Superior |
|
NAIC Customer Complaint Index |
Good |
|
Average Monthly Cost |
$154 |
|
Monthly Cost vs. Average Top 10 Rate |
$27 more |