The 20 Biggest and Best Auto Insurance Companies
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When it comes to insurance coverage for your auto, the many big-name insurance providers pop into mind first due to the heavy bombardment of commercials we see on TV. Liberty Mutual’s Limu Emu and Doug, Flo from Progressive, the General (and Shaq) with The General Insurance, and, of course, the gecko from Geico are constant fixtures.
But there are more than dozens of different auto insurance providers with insurance products in line with your needs. Finding the best coverage at the best rates is important to us, but so, too, is customer satisfaction. Why else is Jake from State Farm such a hit? We all want an insurance agent to hold our hand through the process if we ever need to file a claim. Here are options for auto insurance, based on the 20 largest auto insurance companies in the country.
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The largest auto insurance companies
Rank | Auto insurance company | Market share % | AM Best Rating (Financial Strength Rating) | JD Power Rating (Claims Satisfaction; of 1,000) | Headquarters |
1 | 16.84 | A++ | 877 | Bloomington, Illinois | |
2 | 14.05 | A+ | 819 | Mayfield, Ohio | |
3 | 13.76 | A++ | 857 | Chevey Chase, Maryland | |
4 | 10.69 | A+ | 853 | Northbrook, Illinois | |
5 | 5.29 | A++ | 874 | San Antonio, Texas | |
6 | 4.95 | A | 865 | Boston, Massachusetts | |
7 | 4.55 | A | 846 | Sacramento, California | |
8 | 2.11 | A+ | 848 | New York, New York | |
9 | 2.11 | A | 865 | Madison, Wisconsin | |
10 | 1.99 | A+ | 861 | Columbus, Ohio | |
11 | 1.45 | A+ | 870 | Costa Mesa, California | |
12 | 1.30 | A+ | 878 | Erie, Pennsylvania | |
13 | 1.27 | A++ | 862 | Lansing, Michigan | |
14 | 1.11 | A | 841 | Walnet Creek, California | |
15 | 1.22 | A+ | N/A | Los Angeles, California | |
16 | A- | 887 | Hartford, Connecticut | ||
17 | 0.70 | A | 867 | Dearborn, Michigan | |
18 | 0.49 | A+ | N/A | Stevens Point, Wisconsin | |
19 | 68.45 | A | 835 | Worcester, Massachusetts | |
20 | 0.61 | A+ | 735 | Lincoln, Rhode Island |
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Factors that affect price
Rates can vary based on your driving record, your credit score, where you live, your age and years behind the wheel, and previous claims. If you are a safe driver with no history of accidents or violations, for example, you’ll get cheaper rates than someone who has a record. How you manage your finances is important, as well. Car insurance quotes will be lower the higher your credit score is.
While we may not be able to do much in terms of savings, annual premiums can be in our control based on our coverage options. Full coverage will cost more than collision coverage, for example. Having a high deductible can help keep costs down, allowing us to gamble on being able to cover $500 to $1,000 out of pocket before insurance kicks in. And, we can also save on our insurance premiums by bundling home insurance or life insurance, or all three with an auto insurance policy.
Auto insurance rates can fluctuate by a company’s available insurance discounts. Some offer accident forgiveness, but that’s only after you are a policyholder, which means they won’t raise your rates after your first accident. (They will if you do it again!) All of the cheapest car insurance will provide safe driving discounts but some also provide other ways to save, such as discounts for military members, good grade discounts for young drivers, and further discounts if you install a monitor in your car that records motorist driving habits to prove to your company you don’t drive too fast or more miles than you claim.
Use QuoteOutlet to Save Money on Car Insurance
- Save up to $610 Per Year on Car Insurance
- See Quotes in Minutes
- Compare 30+ Insurance Providers
- Switch Online or Speak to a Licensed Agent
- No Fees to Check Rates, Ever
Auto insurance company | Coverage | Discounts |
Collision; comprehensive; liability; car rental; uninsured motor vehicle; medical payments; rideshare driver | Safe driver; Drive Safe & Save; Steer Clear; accident-free; defensive driving course; good student; safe vehicle; anti-theft; loyalty | |
Collision; comprehensive; liability; uninsured motor vehicle; medical payments; custom equipment; roadside; personal injuiry protection (PIP); umbrella coverage; rental reimbursement; rideshare driver | Bundling; new car, smart student, safe vehicke; anti-theft; payment discounts | |
Collision; comprehensive; liability; uninsured motor vehicle; medical payments; medical payments; loan/lease payoff; rental car reimbursement; custom equipment; rideshare | Multi-policy; multi-car; continuous; safe driver; teen driver; good student; distant student; online; payment discounts | |
Collision; comprehensive; liability; uninsured motor vehicle; medical payments; PIP; rental reimbursement; mechanical breakdown | Safe vehicle; anti-thefy; good driver; defensive driving course; drivers education; good student; emergency deployment; federal employee; military; multi-policy; multi-vehicle | |
Comprehensive; collision; liability; uninsured/underinsured | Good driver; good student; bundling; new car; anto-theft; auto storage; lyalty; military | |
Collision; comprehensive; medical; uninsured/underinsured; bodily injuiry; property damage | Homeowner; military; good student; student away at school; claims-free; violation-free; RighTrack; multi-policy; multi-car; payment discounts | |
Liability; collison; comprehensive; uninsured/underinsured motorist; medical payments; PIP; roadside; rental car reimbursement; rideshare; loss of use; guaranteed value; customized equipment; umbrella coverage; glass; spare parts; new car replacement; accident forgiveness | Bundling; good student; multi-car; alternative fuel; good driver | |
Liability; collision; comprehensive; PIP; medical payments; loan/lease gap coverage; rental; roadside assistance; new car replacement; accident forgiveness; rideshare; umbrella | Multi-policy; mult-car; home ownership; safe driver; continuous; hybrid/electric car; new car; good student; student away at school; driver training; IntelliDrive | |
Collison; comprehensive; property damage; PIP; medical payments; gap; underinsured/uninsured motorist; rental reimbursement; roadside; accidental death | Multi-product; multi-vehicle; KnowYourDrive; good driver; safe automobile; young drivers; loyalty; defensive driver course; low mileage; good student; away at school; young volunteer; payment discounts | |
Bodily injury; property damage; PIP; uninsured/underinsured; medical payments; collision; comprehensive; towing and labor; rental car; gap; accident forgiveness; roadside assistance; vanishing deductible; total loss deductible waiver | Multi-policy; SmartRide; SmartMiles; accident-free; good student; defensive driving course; anti-theft; payment discounts | |
Liability; collision; comprehensive; underinsured/uninsured motorist; medical payments; PIP; pet; roadside; rentals; personal items; glass; locksmith | Rate Lock; multi-policy; accident forgiveness; diminishing deductible; vehicle storage; payment discounts; youthful driver; college student; safe driving; multi-car; reduced usage | |
Liability; collision; medical payments; comprehensive; underinsured/uninsured motorist, PIP | Multi-policy; multi-vehicle; AAA OnBoard; payment discounts; AAA membership; low mileage; anti-theft; safety good student; driver training; defensive driving | |
Comprehensive, original equipment parts and procedures, rental car, liability, uninsured/underinsured motorists, classic car | Multi-policy; driver training, defensive driving course, safety features, good student, anti-theft | |
Liability; collision; medical payments; comprehensive; underinsured/uninsured motorist, PIP | Multi-policy; multi-vehicle; AAA OnBoard; payment discounts; AAA membership; low mileage; anti-theft; safety good student; driver training; defensive driving | |
Accident forgiveness; diminishing deductible; PIP; personal property; liability; gap; new car | Defensive driver; military; anti-theft; good student | |
d Liability; collison; comprehensive; uninsured/underinsured motorist; medical payments; PIP; roadside; rental car reimbursement; rideshare; loss of use; guaranteed value; customized equipment; umbrella coverage; glass; spare parts; new car replacement; accident forgiveness | Bundling; good student; multi-car; alternative fuel; good driver | |
Liability; collision; comprehensive; medical payments; PIP; underinsured/uninsured motorist; rental car; roadside assistance; ridesharing | Multi-car; anti-theft; payment discounts; good driver' good student' multi-policy; RealDrive; MercuryGo; educator discount | |
Full coverage; underinsured/uninsured motorist; rental car reimbursement; medical payments; PIP; liability; property damage liability; comprehensive; collision; roadside assistance; full glass; new car replacement; RecoverCare; | AARP membership; bundling; paid-in-full; quote online to save; drive safe and sace; safety features; fuel type; safe driver training; defensive driver course | |
Liability; collision; medical payments; comprehensive; underinsured/uninsured motorist, PIP | Multi-policy; multi-vehicle; AAA OnBoard; payment discounts; AAA membership; low mileage; anti-theft; safety good student; driver training; defensive driving | |
Medical; PIP; bodily injury liability; property damage; uninsured/underinsured motorist; collision; comprehensive; lease; full glass; roadside assistance; rental reimbursement; gap coverage | Bunding; multiple cars; driver training program; good students; legacy and loyalty; accident-free; defensive driver training; safety features; anti-theft; AutoPay |
Additional articles to help you find car insurance
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Guides on types of coverage
Specialty insurance guides
Best insurance companies roundups
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Director of Content
Lissa Poirot is Joy Wallet’s Head of Content and an award-winning journalist and editor with a focus on finance, travel and health. Her work has appeared online and in print, and she has often been cited as a source on both. She currently resides in Pennsylvania.
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