Use The Zebra to compare popular insurance companies and save money!
Insurance isn't one-size-fits-all: a policy that suits your neighbor might not be right for you. Comparing auto insurance quotes from the best 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 insurance companies.
Use the links below to compare popular auto and homeowners 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.
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 insurance companies in America by market share for private passenger auto insurance, according to the National Association of Insurance Commissioners (NAIC).
Carrier | Premiums Written ($) | Market Share |
$40,878,781,217 | 16.14% | |
GEICO (Berkshire Hathaway) | $34,892,003,836 | 13.78% |
$31,025,771,905 | 12.25% | |
$23,626,742,688 | 9.33% | |
$15,231,169,153 | 6.01% | |
$11,701,810,697 | 4.62% | |
$10,533,343,298 | 4.16% | |
| Nationwide | $6,245,587,637 | 2.47% |
$5,776,711,158 | 2.28% | |
$4,903,032,869 | 1.94% |
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.
State Farm's major selling points include a personal insurance agent for every client and the backing of a company that controls a stunning 16% of the auto insurance market. This service and stability factors into State Farm's rates. The average State Farm policyholder pays 18% less 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 | 4/5 |
JD Power Settlement Rating | 3/5 |
AM Best Financial Stability Rating | Superior |
NAIC Customer Complaint Score | Average |
Average Premium (6 Months) | $647 |
Cost vs. Average Top 10 Rate | -$115 |
Currently holding a little over 13% of the market, GEICO has cheaper-than-average rates and middling customer service reviews. At $602 for a six-month premium, GEICO provides coverage for $159 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 2019.
Key Comparison Indicator | GEICO |
JD Customer Satisfaction | 3/5 |
JD Power Claims Service Rating | 3/5 |
JD Power Settlement Rating | 4/5 |
AM Best Financial Strength Rating | Superior |
NAIC Customer Complaint Score | Good |
Average Premium (6 Months) | $602 |
Cost vs. Average Top 10 Rate | -$159 |
With a 12.25% 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 almost $8 more per month than the group average. Based on our sample driving profile, Progressive is the fifth-most expensive provider.
Allstate has an average JD Power Rating and relatively few registered NAIC complaints. Allstate is one of the more pricier major insurers in America, averaging as the most expensive out of the ten largest insurance providers. At $1,011 for a six-month premium, covering a vehicle through Allstate costs $248 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) | $1,011 |
Cost vs. Average Top 10 Rate | +$248 |
Despite servicing military members and their families only, USAA holds 6% of the auto insurance market. The company consistently 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) | $545 |
Cost vs. Average Top 10 Rate | -$216 |
Liberty Mutual is rated slightly below average by the NAIC complaint score and average for JD Power. Based on a sample driver, Liberty Mutual's rates are $100 more per six-month policy than the average large insurer.
Key Comparison Indicator | Liberty Mutual |
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 | Poor |
Average Premium (6 Months) | $863 |
Cost vs. Average Top 10 Rate | +$100 |
Farmers scores moderately well in an overall assessment. The California-based insurance company has gross customer service ratings of 3 out of 5 but a below-average rating 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 $822 for a six-month term.
Key Comparison Indicator | Farmers |
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 | Below Average |
Average Premium (6 Months) | $822 |
Cost vs. Average Top 10 Rate | +$60 |
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 $714 — or $119 per month — about $47 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 | Average |
Average Premium (6 Months) | $714 |
Cost vs. Average Top 10 Rate | -$47 |
The 9th-largest auto insurance company in the U.S., American Family, holds a little over 2% of the market share. American Family has a 3 out of 5 JD Power rating and an average NAIC complaint score. Among the largest insurance companies, American Family is the fourth-cheapest, at $677 for a six-month premium.
Travelers commands just less than 2% of the market and sells pricier-than-average policies. However, Travelers was given middle-of-the-road JD Power ratings and a good complaint rating from NAIC. At $927 per six-month policy, Travelers is $165 more expensive than the group average.
Key Comparison Indicator | Travelers |
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) | $927 |
Cost vs. Average Top 10 Rate | +$165 |
Using some of the same metrics used for our evaluation of auto insurance companies, we gathered ratings of the top home insurance companies in the US. The table below details each company's scores for customer satisfaction, financial strength, and degree of customer complaints, all established by reputable organizations in the insurance industry.
| Insurance Company | J.D. Power Customer Satisfaction Rating | A.M. Best Financial Strength Rating | NAIC Customer Complaint Score |
|---|---|---|---|
| Amica | 5/5 | A+ | Very Good |
| USAA | 5/5 | A++ | Very Good |
| Erie Insurance | 5/5 | A+ | Very Good |
| Auto Club of Southern California | 4/5 | A+ | Good |
| State Farm | 4/5 | A++ | Very Good |
| Auto-Owners Insurance | 4/5 | A++ | Very Good |
| Allstate | 3/5 | A+ | Good |
| COUNTRY Financial | 3/5 | A+ | Very Good |
| Progressive | 3/5 | A+ | Below Average |
| American Family | 3/5 | A | Good |
| Farmers | 3/5 | A | Good |
| CSAA Insurance | 3/5 | A | Good |
| The Hartford | 3/5 | A+ | Below Average |
| Automobile Club | 3/5 | A+ | Good |
| Nationwide | 2/5 | A+ | Very Good |
| Travelers | 2/5 | A++ | Good |
| Safeco | 2/5 | A | Very Good |
| AIG | 2/5 | A | Very Good |
| Liberty Mutual | 2/5 | A | Below Average |
| MetLife | 2/5 | A | Very Good |
| Chubb | 2/5 | A++ | Very Good |
| National General | 2/5 | A- | Good |
| Homesite | 2/5 | A | Very Good |
| UPC Insurance | 2/5 | A- | Below Average |
Finding the best auto or homeowners 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 above to see what the biggest and best car insurance companies in the U.S. have to offer.