Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jan 6, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The Lowdown

  • The top 10 auto insurance companies in the United States include State Farm, GEICO, Progressive, Allstate, USAA, Liberty Mutual, Farmers, Nationwide, Travelers, and American Family
  • State Farm is the top choice for auto insurance in many states
  • To find the best auto insurance company for you, compare quotes from multiple companies and search for one with features that are most important to you

Shopping for auto insurance can be an overwhelming task with numerous options. However, choosing from some of the largest auto insurance companies may be the logical choice since you are likely to hear of them more often and, therefore, gain more opinions from existing customers.

So, what are the top 10 auto insurance companies in the United States? Please read more below to determine what makes each company one of the most popular auto insurance options.

Enter your ZIP code into our free quote comparison tool above to find affordable auto insurance from some of the top auto insurance companies in the United States.

What are the top 10 auto insurance companies in the USA?

Let’s begin by taking a look at the top 10 auto insurance companies in the USA:

Top 10 U.S. Auto Insurance Companies by Market Share and A.M. Best Ratings
RankCompaniesDirect Premiums WrittenLoss RatiosMarket SharesA.M. Best Ratings
1State Farm$41,963,578,0006317.01A++ (Superior)
2GEICO$33,075,434,0007113.41A++ (Superior)
3Progressive$27,058,768,0006210.97A+ (Superior)
4Allstate$22,663,214,000569.19A+ (Superior)
5USAA$14,467,936,000775.87A++ (Superior)
6Liberty Mutual$11,776,654,000624.77A (Excellent)
7Farmers$10,496,476,000614.26A (Excellent)
8Nationwide$6,726,799,000582.73A+ (Superior)
9Travelers$4,697,743,000601.9A++ (Superior)
10American Family$4,687,909,000691.9A (Excellent)
Get Your Rates Quote Now

Compare RatesStart Now →

Most, if not all, of the auto insurance companies listed above are recognizable, due to their advertising and number of customers. However, each state also has a top auto insurance company, which may be more acknowledged than others. Below is a list of the leading auto insurance companies by state:

Top Auto Insurance Company by State
StateTop Auto Insurance Company
AlabamaState Farm
AlaskaState Farm
ArizonaGEICO
ArkansasState Farm
CaliforniaState Farm
ColoradoState Farm
ConnecticutGEICO
DelawareState Farm
FloridaGEICO
GeorgiaState Farm
HawaiiGEICO
IdahoState Farm
IllinoisState Farm
IndianaState Farm
IowaProgressive
KansasProgressive
KentuckyState Farm
LouisianaState Farm
MaineProgressive
MarylandGEICO
MassachusettsMAPFRE
MichiganProgressive
MinnesotaProgressive
MississippiState Farm
MissouriState Farm
MontanaState Farm
NebraskaProgressive
NevadaGEICO
New HampshireProgressive
New JerseyGEICO
New MexicoState Farm
New YorkGEICO
North CarolinaAllstate
North DakotaProgressive
OhioProgressive
OklahomaState Farm
OregonProgressive
PennsylvaniaState Farm
Rhode IslandProgressive
South CarolinaState Farm
South DakotaProgressive
TennesseeState Farm
TexasProgressive
UtahState Farm
VermontProgressive
VirginiaGEICO
WashingtonState Farm
West VirginiaState Farm
WisconsinProgressive
WyomingState Farm
Get Your Rates Quote Now

Compare RatesStart Now →

State Farm is favored in many states, which accounts for its #1 spot in the top 10 list of insurance companies in the USA.

Read on below to find out more about each company.

1. State Farm

Overall, State Farm is great for those who desire a personalized experience with a local agent. State Farm owned approximately 16% of the available auto insurance market share in 2020, with approximately 15% of auto insurance dollars spent with State Farm.

State Farm provides affordable rates. For example, the average annual premium is $1,310. The company was often the most affordable option in any given state.

2. GEICO

GEICO is one of the most affordable auto insurance companies. In addition, it is available throughout the country. When GEICO was first founded, it provided insurance to government employees (GEICO stands for Government Employee Insurance Company), but now it serves the general public.

The average annual premium from GEICO is $1,917. However, college students may take advantage of GEICO’s low rates and discounts targeted toward young adults.

3. Progressive

Progressive was founded in 1937. It allows customers to purchase insurance online, over the phone, or in person with an agent. The average annual premium from Progressive is $2,036, and the company offers reasonable rates for individuals who have been involved in an accident.

That said, claims satisfaction and product availability are average compared to other companies.

4. Allstate

Allstate’s auto insurance rates are slightly higher than its competitors. However, it does have higher-than-average claims satisfaction rates, and it offers various discounts to help customers save on their policies. The average annual premium from Allstate is $2,349.

Allstate has local agents throughout the United States. In addition, Allstate is the parent company of Esurance.

5. USAA

USAA is an excellent auto insurance company due to superior customer service, affordable rates, and fast claims processing. However, you can only join if you are a military member or a relative.

USAA was founded by 25 Army officers who worked together to insure each others’ vehicles and has since expanded to provide coverage for millions of military members.

The average annual premium for USAA is $1,170.

6. Liberty Mutual

Liberty Mutual provides affordable auto insurance, but its rates vary more by location than other companies. The average annual premium for Liberty Mutual auto insurance is $1,254.

Liberty Mutual allows customers to purchase insurance over the phone, online, or in-person with a representative or agent. However, Liberty Mutual does have lower-than-average claims satisfaction ratings.

7. Farmers

Farmers was founded as a company to insure farming vehicles. However, it has since expanded to a much larger company with various insurance products, including pet insurance and investment products.

Farmers has excellent customer service and several discounts to help save you money, but its rates may be higher than other options. The average annual premium for Farmers is $2,521.

8. Nationwide

Nationwide has slightly higher rates than its competitors. The average annual premium for Nationwide is $2,127. In addition, its coverages and discounts are standard compared to other large companies. However, its bundling rates for home and auto are some of the best in the industry.

Nationwide emphasizes its annual “On Your Side” reviews to ensure that you receive accurate rates with the discounts you deserve.

9. Travelers

Travelers issued its first auto insurance policy in 1897, making it one of the oldest insurance companies in the United States. In addition, Travelers provides various discounts to help its customers save. The average annual premium for Travelers is $2,148.

Travelers provides a usage-based insurance (UBI) program called IntelliDrive that allows drivers to save up to 20% for safe driving habits.

10. American Family

American Family has excellent rates with discounts that make them even better. The average annual premium for American Family is $1,755. Initially founded to provide insurance for farmers, the company expanded its customer base in the 1930s.

While American Family has its advantages, it only offers products in 17 states.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

What is the best auto insurance company?

The best car insurance company will vary widely depending on your specific situation. You should shop around and compare options to ensure that you receive the best rates and personalized coverage. Start by obtaining auto insurance quotes from at least three different companies, including national and regional options.

Ensure that you select an auto insurance company with the features you need. For example, if you’re a college student, you may want to find a company that provides discounts for good students and young adults. Or, if you are worried that your car might break down, consider finding a company that offers roadside assistance.

Want to compare auto insurance rates from some of the top auto insurance companies in the United States? Enter your ZIP code into our free quote comparison tool below.