There are countless car insurance companies to choose from. To help you decide which is the right one for you, NerdWallet compiled a list of the largest car insurance companies we’ve reviewed.
Our reviews should make it easier to size up policy options, consumer complaint data, customer satisfaction ratings and financial strength data. While you decide on the best insurance company, look for a reputable insurer that offers the coverage you need at an affordable price.
Easily compare personalized rates to see how much switching car insurance could save you.
List of car insurance companies
Below, you’ll find a full list of car insurance companies that our editorial team has rated and reviewed.
Before you settle on one insurance company, compare quotes from a few insurers. You’ll see which insurers have more affordable rates and it’ll be easier to avoid overpaying for coverage.
List of the biggest car insurance companies
You’ve likely heard of the largest car insurers: State Farm, Progressive, GEICO and Allstate. Together, these four companies make up over half of the personal auto insurance market in the U.S.
Some of the other companies rounding out the top 10 list of largest car insurers might also look familiar.
List of biggest car insurance companies by market share
What to know about the biggest car insurance companies
Larger insurers often have advantages over small car insurance companies, like greater financial strength and stability, a wider network of agents and claims adjusters, 24-hour customer service and a better digital experience.
But there’s more to an insurer than size. Below, you’ll find more information about each of the largest auto insurance companies on our list, including pros, cons and the latest available consumer complaint data from the National Association of Insurance Commissioners.
1. State Farm
State Farm
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Above average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
Doesn’t offer gap insurance.
State Farm
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Above average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
Doesn’t offer gap insurance.
2. Progressive
Progressive
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
Rideshare coverage available.
Below average rating for claims satisfaction from J.D. Power.
Progressive
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
Rideshare coverage available.
Below average rating for claims satisfaction from J.D. Power.
3. GEICO
GEICO
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Often among the cheapest car insurance companies in NerdWallet’s rates analyses.
Many discounts available.
Doesn’t offer gap insurance.
Limited network of local agents.
Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
GEICO
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Often among the cheapest car insurance companies in NerdWallet’s rates analyses.
Many discounts available.
Doesn’t offer gap insurance.
Limited network of local agents.
Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
4. Allstate
Allstate
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With plenty of coverage options and discounts, this auto insurance giant is worth a look.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Lots of coverage options, including accident forgiveness, new car replacement and a safe-driving bonus every six months.
Offers rideshare insurance in many states.
Customer ratings are below average for auto insurance shopping satisfaction compared to other companies.
Allstate
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With plenty of coverage options and discounts, this auto insurance giant is worth a look.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Lots of coverage options, including accident forgiveness, new car replacement and a safe-driving bonus every six months.
Offers rideshare insurance in many states.
Customer ratings are below average for auto insurance shopping satisfaction compared to other companies.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
5. USAA
USAA
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
USAA offers insurance to active military, veterans and their families only.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
High customer satisfaction ratings.
One-stop shop for insurance as well as banking and investing products.
Policies available in all states and Washington, D.C.
Available to active military, veterans and their families only.
USAA
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
USAA offers insurance to active military, veterans and their families only.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
High customer satisfaction ratings.
One-stop shop for insurance as well as banking and investing products.
Policies available in all states and Washington, D.C.
Available to active military, veterans and their families only.
6. Farmers
Farmers
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
One of the country’s largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Fewer complaints than expected for a company of its size.
Lots of discounts available.
Doesn’t offer car insurance in all states.
Farmers
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
One of the country’s largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Fewer complaints than expected for a company of its size.
Lots of discounts available.
Doesn’t offer car insurance in all states.
7. Liberty Mutual
Liberty Mutual
4.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Many types of coverage available.
Lots of discounts.
Robust digital tools.
Auto insurance shopping satisfaction rating is below average.
Liberty Mutual
4.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
More than expected
Many types of coverage available.
Lots of discounts.
Robust digital tools.
Auto insurance shopping satisfaction rating is below average.
8. Travelers
Travelers
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Received fewer customer complaints than expected for auto insurance.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Rideshare insurance is not available in all states.
Travelers
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Received fewer customer complaints than expected for auto insurance.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Rideshare insurance is not available in all states.
9. Auto Club (AAA)
Auto Club Group
4.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
May receive an auto insurance discount for being a member of AAA.
Multiple insurance products offered.
Insurance products differ depending on where you live.
May require AAA membership.
You may have to change AAA insurance providers if you move states.
Auto Club Group
4.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
May receive an auto insurance discount for being a member of AAA.
Multiple insurance products offered.
Insurance products differ depending on where you live.
May require AAA membership.
You may have to change AAA insurance providers if you move states.
10. American Family
American Family
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Fewer customer complaints than expected for a company its size for auto and life insurance.
Many coverage types offered.
Wide range of discounts.
Not available in all states.
American Family
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Fewer customer complaints than expected for a company its size for auto and life insurance.
Many coverage types offered.
Wide range of discounts.
Not available in all states.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Are larger insurance companies cheaper?
Large insurance companies don’t always have cheaper rates than smaller, regional insurers. As the following table shows, smaller insurers sometimes have lower rates than their larger competitors.
The company with the cheapest car insurance rates can change even across different parts of the same city. The cost of insurance depends on location, as well as other personal factors like your age, vehicle and driving history — no two drivers will have the same rate.
Rates from large insurance companies
Here’s how rates at large insurance companies compare with each other.
*USAA is only available to military, veterans and their families.
Rates from midsize auto insurance companies
Here’s how rates at smaller insurance companies compare with each other. Auto Owners has the largest market share in this group (1.44%), while others in this group have market shares that are less than 1%.
Company
Median annual rate
Median monthly rate
American National
$1,436
$120
CSAA
$1,578
$132
California Casualty
$1,587
$132
Erie
$1,702
$142
Auto Club of SoCal
$1,732
$144
Central Insurance
$1,774
$148
Shelter
$1,795
$150
Auto-Owners
$1,955
$163
Pure
$2,102
$175
The Hartford
$2,194
$183
Finding the right car insurance company for you
The right insurer depends on the amount of coverage you need. While states have minimum requirements that all drivers must carry, you can decide to add any extra coverage, like gap insurance, custom equipment coverage.
You’ll be able to narrow down your list of insurers when you know what types of auto insurance you need, since not every insurance company has the same offerings. Then, it’s a matter of finding one in your budget with acceptable customer service.
Here are some tips for finding the right company and getting insured:
Collect some basic information. This includes the driving history of the licensed drivers in your home, as well as facts about your car, such as safety features and estimated annual miles driven. Having this information on hand will make shopping go a lot quicker.
Determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you want full coverage insurance and extra coverage options. Check that each company you’re considering has the options you want.
Compare apples to apples. When comparing rates from different insurers, make sure each offers the same coverage limits and deductibles. You may not want to make your decision based on price alone. Pay attention to the complaints each company has, as a high number of complaints could be a red flag about the quality of service you’ll receive.
Don’t forget about the smaller insurance companies. When shopping for car insurance, consider a wide range of choices. We offer a list of the nation’s biggest car insurance companies to smaller, regional insurers that you might not have been aware of before comparing quotes.
Consider switching insurance companies. Your car insurance rates won’t stay the same year after year. Before renewing your policy, shop around for coverage and make sure you’re still getting a good deal. If another insurer offers you cheaper rates, consider switching your policy.
