List of Car Insurance Companies

Last Updated on December 27, 2025

There are hundreds of car insurance companies operating in the U.S., from massive national carriers to smaller regional and state-specific insurers. If you’re shopping for coverage, knowing who the biggest players are can help you understand the market—but “biggest” doesn’t always mean “best” for your specific driver profile.

This guide ranks the 50 largest auto insurance groups/companies in the United States by market share, using the most recent nationwide data available from the National Association of Insurance Commissioners (NAIC) for Total Private Passenger Auto (Direct Premiums Written).

Important: This list uses “insurance group” names in many cases. That’s because one parent group can own multiple brands and underwriting companies. The brand you buy from may be different from the underwriting company name shown on your declarations page.

Key Takeaways

• The largest U.S. car insurance companies are ranked by market share using NAIC data, based on direct premiums written for private passenger auto coverage.
• Progressive is the #2 auto insurer by market share (ahead of GEICO), while State Farm remains #1 by a wide margin.
• Many “companies” on market-share lists are insurance groups—your policy may show a different underwriting company name than the brand you shopped.
• Market share doesn’t equal “best”: the cheapest and best-fitting insurer depends on your state, driving history, credit/insurance score factors where used, and discount eligibility.

How to Use This List When Shopping for Car Insurance

• Shop around. Even the biggest insurers can be expensive for certain drivers. If your goal is price-first, start with a shortlist and compare quotes (see our guide to the cheapest auto insurance companies).
• Check discounts. Many drivers overpay because they miss common savings opportunities (see this list of popular auto insurance discounts).
• Consider how you want to buy. Some insurers are “direct” (online/phone), while others rely heavily on local or independent insurance agents.
• Confirm availability in your state. Many carriers below are regional, membership-based, or focused on specific driver profiles.

List of the 50 Largest Car Insurance Companies in the U.S.

Click any company name in the table of contents to jump to that insurer’s overview, including its market share, estimated premiums written, and where to find official contact details.

Note: Market share figures below reflect 2024 U.S. private passenger auto (NAIC). Premiums written are shown as approximate totals in billions (rounded).

1. State Farm

State Farm is the largest auto insurer in the U.S. by market share, and it’s known for its massive local agent network. It can be a strong fit if you want in-person support and bundling (auto + home), though the cheapest option will vary by driver and state.

• Website: statefarm.com
• Phone: 1-800-STATE-FARM (1-800-782-8332)
• 2024 Market Share: 18.85%
• 2024 Direct Premiums Written: ~$67.8B

2. Progressive

Progressive is the second-largest auto insurer in the U.S. and is widely known for online tools, flexible coverage options, and a strong presence with both direct customers and agent-sold policies.

• Website: progressive.com
• Phone: Check the official “Contact Us” page for the right number for sales/claims in your state.
• 2024 Market Share: 16.71%
• 2024 Direct Premiums Written: ~$60.1B

3. Berkshire Hathaway

Berkshire Hathaway’s auto insurance market share is driven primarily by GEICO, one of the best-known direct-to-consumer insurers in the country. It’s often competitive for drivers who are comfortable managing their policy online or by phone.

• Main Consumer Brand Website: geico.com
• Phone: Check GEICO’s contact page for the right department (sales, service, claims).
• 2024 Market Share: 11.61%
• 2024 Direct Premiums Written: ~$41.7B

4. Allstate

Allstate remains one of the biggest U.S. auto insurers and is best known as an agent-focused carrier, though it also supports online quoting in many states. The broader Allstate group also includes additional personal auto brands and underwriting entities.

• Website: allstate.com
• Phone: Check Allstate’s contact page for your state and policy type.
• 2024 Market Share: 10.18%
• 2024 Direct Premiums Written: ~$36.6B

5. USAA

USAA is consistently praised for customer service and claims handling, but eligibility is limited to qualifying military members, veterans, and their families. If you qualify, it’s often a top-tier option to compare against other carriers.

• Website: usaa.com
• Phone: 1-800-531-USAA (1-800-531-8722)
• 2024 Market Share: 6.16%
• 2024 Direct Premiums Written: ~$22.1B

6. Farmers

Farmers is a major insurer with strong agent distribution and a wide range of add-ons and bundling options. Rates can be highly driver-dependent, so it’s best used as a quote comparison option.

• Website: farmers.com
• Phone: Check Farmers’ official contact page for sales/claims.
• 2024 Market Share: 3.75%
• 2024 Direct Premiums Written: ~$13.5B

7. Liberty Mutual

Liberty Mutual is a long-running national carrier with broad coverage options and multiple distribution channels (including independent agents). The Liberty Mutual group also includes brands like Safeco in many markets.

• Website: libertymutual.com
• Phone: Use Liberty Mutual’s “Contact Us” page for your department/state.
• 2024 Market Share: 3.27%
• 2024 Direct Premiums Written: ~$11.7B

8. Travelers

Travelers is a major national carrier that typically sells through agents. It’s often compared by drivers looking for strong coverage options and a long-established insurer.

• Website: travelers.com
• Phone: 1-888-564-5043 (policy service; verify department on Travelers’ contact page)
• 2024 Market Share: 2.00%
• 2024 Direct Premiums Written: ~$7.2B

9. Auto Club Enterprises Insurance Group (AAA)

Auto Club Enterprises is part of the AAA ecosystem and primarily serves members in certain regions. Availability, rates, and underwriting details vary based on your AAA club and state.

• Website: ace.aaa.com
• Phone: See your regional AAA club’s insurance contact number (varies by state).
• 2024 Market Share: 1.80%
• 2024 Direct Premiums Written: ~$6.5B

10. American Family

American Family (AmFam) is a major insurer with a strong regional footprint and a growing national presence through multiple brands and distribution partnerships. It’s frequently compared by drivers shopping mid-range to premium coverage options.

• Website: amfam.com
• Phone: Check AmFam’s official contact page for your state and policy type.
• 2024 Market Share: 1.72%
• 2024 Direct Premiums Written: ~$6.2B

11. Auto-Owners

Auto-Owners is well-known as an independent-agent insurer. If you like working with a local agent and want to compare strong regional carriers, Auto-Owners is commonly on the shortlist in states where it operates.

• Website: auto-owners.com
• Phone: Contact your local independent agent for quotes and service.
• 2024 Market Share: 1.44%
• 2024 Direct Premiums Written: ~$5.2B

12. Erie Insurance

Erie Insurance is a popular regional carrier that sells primarily through agents. In states where it’s available, it’s frequently praised for customer service and competitive pricing for many driver profiles.

• Website: erieinsurance.com
• Phone: Use Erie’s website to find an agent or the right service number.
• 2024 Market Share: 1.39%
• 2024 Direct Premiums Written: ~$5.0B

13. Nationwide

Nationwide is a large national carrier with broad product offerings. It’s commonly compared by drivers who want bundling options and a mix of agent support and digital tools.

• Website: nationwide.com
• Phone: Check Nationwide’s contact page for your state and policy type.
• 2024 Market Share: 1.34%
• 2024 Direct Premiums Written: ~$4.8B

14. CSAA Insurance Group (AAA)

CSAA Insurance Group is part of the AAA family and is a major AAA-affiliated insurer in several western markets. As with other AAA insurers, availability and policy details depend on where you live.

• Website: csaa-insurance.aaa.com
• Phone: See the CSAA/AAA contact page for the correct department.
• 2024 Market Share: 1.32%
• 2024 Direct Premiums Written: ~$4.8B

15. Mercury Insurance

Mercury is a well-known regional carrier with a strong presence in certain large states. It’s often compared by drivers looking for an alternative to the largest national brands.

• Website: mercuryinsurance.com
• Phone: Check Mercury’s contact page for your state/department.
• 2024 Market Share: 0.94%
• 2024 Direct Premiums Written: ~$3.4B

16. Sentry Insurance

Sentry is widely known for business insurance, but it also participates in the personal auto market through its broader group structure. Availability and distribution can vary, so it’s best to confirm by ZIP code.

• Website: sentry.com
• Phone: Use Sentry’s contact page to reach the right department.
• 2024 Market Share: 0.86%
• 2024 Direct Premiums Written: ~$3.1B

17. Kemper

Kemper is a major personal lines insurer with a strong presence in non-standard and standard auto markets, depending on state and underwriting company. It’s often compared by drivers who want multiple payment options and flexible policy structures.

• Website: kemper.com
• Phone: Check Kemper’s contact page for your state and policy type.
• 2024 Market Share: 0.82%
• 2024 Direct Premiums Written: ~$3.0B

18. Automobile Club of Michigan Group (AAA Auto Club Group)

This AAA-affiliated group operates across multiple states (often branded as AAA/Auto Club). Specific underwriting and contact details depend on your state and AAA club relationship.

• Website: acg.aaa.com
• Phone: 877-446-9222 (insurance service; verify for your state/department)
• 2024 Market Share: 0.73%
• 2024 Direct Premiums Written: ~$2.6B

19. The Hartford

The Hartford is a major insurer known for agent-sold policies and affinity programs in some markets. It’s commonly compared by drivers seeking robust coverage options and established claims infrastructure.

• Website: thehartford.com
• Phone: Check The Hartford’s contact page for policy service and claims.
• 2024 Market Share: 0.65%
• 2024 Direct Premiums Written: ~$2.3B

20. Markel

Markel is best known for specialty insurance lines. If you have niche needs (certain specialty vehicles or unique risk profiles), Markel-related companies may appear as underwriters depending on your policy and broker.

• Website: markel.com
• Phone: See Markel’s website for the appropriate division/contact.
• 2024 Market Share: 0.45%
• 2024 Direct Premiums Written: ~$1.6B

21. Amica

Amica is a mutual insurer frequently associated with strong customer service. It can be a good comparison quote if it serves your state and your driver profile fits its underwriting appetite.

• Website: amica.com
• Phone: Use Amica’s contact page for sales/service/claims.
• 2024 Market Share: 0.44%
• 2024 Direct Premiums Written: ~$1.6B

22. COUNTRY Financial

COUNTRY Financial is a regional insurer with a strong agent model. It’s typically compared by drivers who prefer local agent support and live in states where COUNTRY operates.

• Website: countryfinancial.com
• Phone: See COUNTRY Financial’s contact page for your state.
• 2024 Market Share: 0.44%
• 2024 Direct Premiums Written: ~$1.6B

23. Shelter Insurance

Shelter is a regional insurer with a strong local agent footprint. It’s often compared by drivers who want a smaller-company experience without going to a tiny local carrier.

• Website: shelterinsurance.com
• Phone: Check Shelter’s contact page for your state/department.
• 2024 Market Share: 0.44%
• 2024 Direct Premiums Written: ~$1.6B

24. Southern Farm Bureau Casualty

Southern Farm Bureau Casualty is a regional Farm Bureau insurer. Like many Farm Bureau organizations, policies are typically sold through an agent network and availability is limited to select states.

• Website: w3.sfbcic.com
• Phone: 1-866-275-7322 (customer service/claims hotline varies by state)
• 2024 Market Share: 0.44%
• 2024 Direct Premiums Written: ~$1.6B

25. MAPFRE

MAPFRE is a global insurer with a meaningful U.S. auto presence in certain markets. Depending on state, it may be sold directly, through agents, or through partnerships.

• Website: mapfreinsurance.com
• Phone: Check MAPFRE’s contact page for state-specific support.
• 2024 Market Share: 0.43%
• 2024 Direct Premiums Written: ~$1.5B

26. NJM

NJM (New Jersey Manufacturers) is widely recognized as a high-performing regional insurer. It has expanded beyond its original footprint over time, but availability is still regional compared to the largest national carriers.

• Website: njm.com
• Phone: See NJM’s website for the correct service number for your state.
• 2024 Market Share: 0.42%
• 2024 Direct Premiums Written: ~$1.5B

27. Alfa Insurance

Alfa is a regional insurer with a strong presence in parts of the Southeast. It’s commonly compared by drivers who want local agents and a regional-company experience.

• Website: alfainsurance.com
• Phone: Check Alfa’s contact page for your state/department.
• 2024 Market Share: 0.42%
• 2024 Direct Premiums Written: ~$1.5B

28. The Hanover

The Hanover is an established insurer often sold through agents. It’s frequently compared for drivers who want strong bundling opportunities and prefer working with an agent.

• Website: hanover.com
• Phone: See Hanover’s website for agent and service contacts.
• 2024 Market Share: 0.42%
• 2024 Direct Premiums Written: ~$1.5B

29. Texas Farm Bureau

Texas Farm Bureau is a major Texas-focused insurer. Like other Farm Bureau organizations, it’s best compared if you live in-state and want to evaluate a strong local carrier alongside national brands.

• Website: txfb-ins.com
• Phone: Use the website to find your local office/agent.
• 2024 Market Share: 0.35%
• 2024 Direct Premiums Written: ~$1.2B

30. Incline Insurance Group LLC (Incline P&C Group)

Incline is best known as a program/fronting platform and carrier group. Many consumers won’t shop “Incline” directly—but you may see an Incline carrier listed as the underwriting company on a policy sold through an MGA or broker.

• Website: inclinepc.com
• Phone: Contact your agent/broker or program administrator for policy service.
• 2024 Market Share: 0.32%
• 2024 Direct Premiums Written: ~$1.2B

31. Cincinnati Financial

The Cincinnati Insurance Company (part of Cincinnati Financial) is commonly associated with agent-sold policies and a strong presence in commercial lines, with personal auto participation in select markets.

• Website: cinfin.com
• Phone: Contact an agent for quotes and service.
• 2024 Market Share: 0.30%
• 2024 Direct Premiums Written: ~$1.1B

32. Root Insurance

Root is a modern, app-driven insurer known for telematics-based pricing in many markets. Availability and rates can vary significantly by state, driving history, and underwriting entity.

• Website: joinroot.com
• Phone: Use Root’s in-app support or website support channels.
• 2024 Market Share: 0.30%
• 2024 Direct Premiums Written: ~$1.1B

33. Tennessee Farmers

Tennessee Farmers (Tennessee Farmers Insurance Companies) is a major regional insurer. It’s typically compared by drivers who want local service and an agent relationship.

• Website: fbitn.com
• Phone: Check the website for your local office and service numbers.
• 2024 Market Share: 0.30%
• 2024 Direct Premiums Written: ~$1.1B

34. Home State Insurance Group

Home State County Mutual and affiliated companies are commonly associated with Texas auto policies sold through MGAs/agents. Many drivers see “Home State County Mutual” as the underwriting company on their declarations page.

• Website: homestate.net
• Phone: 800-777-0404 (customer service; confirm options for your policy prefix)
• 2024 Market Share: 0.28%
• 2024 Direct Premiums Written: ~$1.0B

35. Chubb

Chubb is widely associated with high-net-worth and premium auto insurance, often featuring enhanced coverages and service options. It’s commonly compared by drivers seeking high limits, premium repair options, or specialty vehicle coverage.

• Website: chubb.com
• Phone: Chubb is often sold via brokers/agents; check the website for the right contact path.
• 2024 Market Share: 0.28%
• 2024 Direct Premiums Written: ~$1.0B

36. North Carolina Farm Bureau

North Carolina Farm Bureau is a major in-state insurer and a common alternative to national carriers for North Carolina drivers who want a strong local company and agent support.

• Website: ncfbins.com
• Phone: Use the website to find a local agent/office.
• 2024 Market Share: 0.27%
• 2024 Direct Premiums Written: ~$1.0B

37. Plymouth Rock

Plymouth Rock is a well-known regional insurer in parts of the Northeast. It’s often compared by drivers who want a strong local/regional company and agent-based support.

• Website: plymouthrock.com
• Phone: Check the website for state-specific contact numbers.
• 2024 Market Share: 0.25%
• 2024 Direct Premiums Written: ~$0.9B

38. Orpheus Group

Orpheus Group is associated with non-standard auto business through affiliated underwriting companies. Many consumers may encounter related underwriting names on their policy paperwork rather than shopping “Orpheus” directly.

• Example Related Website (Old American County Mutual): countymutual.com
• Phone: 866-233-7091 (Old American County Mutual; underwriting/claims contacts can vary by MGA)
• 2024 Market Share: 0.24%
• 2024 Direct Premiums Written: ~$0.9B

39. Iowa Farm Bureau

Iowa Farm Bureau is a major state-focused carrier. Farm Bureau organizations can be particularly competitive for in-state drivers, so it’s often worth comparing against national brands if you qualify and live in the service area.

• Website: iowafarmbureau.com
• Phone: Use the website to find your local office and service numbers.
• 2024 Market Share: 0.23%
• 2024 Direct Premiums Written: ~$0.8B

40. Kentucky Farm Bureau

Kentucky Farm Bureau is a major Kentucky-focused insurer and a common in-state alternative to national carriers. As with other Farm Bureau organizations, availability is generally tied to the state footprint.

• Website: kyfb.com
• Phone: Use the website to find your local agent/office.
• 2024 Market Share: 0.22%
• 2024 Direct Premiums Written: ~$0.8B

41. Loya Insurance Group (Fred Loya)

Fred Loya is widely associated with non-standard auto insurance in select states. It may be a comparison option for drivers who have trouble qualifying for preferred markets or want flexible payment options.

• Website: fredloya.com
• Phone: Check the website for your state and department.
• 2024 Market Share: 0.22%
• 2024 Direct Premiums Written: ~$0.8B

42. Palisades Group

Palisades Group names may appear as underwriting entities on policies in certain markets (often associated with the Plymouth Rock family of companies). If you see “Palisades” on your declarations page, use your policy documents or agent to confirm the correct service/claims contact path.

• Website (often associated with Plymouth Rock-branded policies): plymouthrock.com
• Phone: Check your policy documents or the website contact directory for your state.
• 2024 Market Share: 0.22%
• 2024 Direct Premiums Written: ~$0.8B

43. Consumers County Mutual Insurance Company

Consumers County Mutual Insurance Company (CCM) is commonly seen as an underwriting company name on certain Texas auto policies. For example, CCM can appear on Travelers-branded auto insurance in Texas, depending on how the policy is offered and underwritten.

• Website (Travelers auto information): travelers.com/car-insurance
• Phone: Use your policy documents or the insurer/agent contact instructions for the underwriting company listed.
• 2024 Market Share: 0.21%
• 2024 Direct Premiums Written: ~$0.7B

44. NYCM Insurance Group

NYCM (New York Central Mutual) is a regional insurer. It’s most relevant for drivers in the markets where NYCM and its affiliates are appointed and actively writing policies.

• Website: nycm.com
• Phone: Check the website contact page for service and claims.
• 2024 Market Share: 0.19%
• 2024 Direct Premiums Written: ~$0.7B

45. Safety Insurance

Safety Insurance is a regional carrier primarily associated with parts of New England. It’s often compared by drivers who want a smaller regional company rather than a national brand.

• Website: safetyinsurance.com
• Phone: Use Safety’s contact page for the right department/state.
• 2024 Market Share: 0.18%
• 2024 Direct Premiums Written: ~$0.7B

46. Grange Insurance

Grange Mutual Casualty is commonly associated with the Grange brand and agent distribution. It’s most relevant as a comparison option in states where Grange is actively writing policies.

• Website: grangeinsurance.com
• Phone: Contact your agent or use the website contact directory.
• 2024 Market Share: 0.18%
• 2024 Direct Premiums Written: ~$0.6B

47. Brookfield Wealth Solutions Group (American National)

This group includes American National, which writes auto insurance in certain markets. If you’re shopping, you’ll typically interact with the American National brand rather than the Brookfield parent name.

• Website: americannational.com
• Phone: 1-800-899-6519 (personal insurance service; confirm department on site)
• 2024 Market Share: 0.17%
• 2024 Direct Premiums Written: ~$0.6B

48. Arbella

Arbella is a regional carrier often associated with Northeastern markets. It’s typically sold through agents and is most relevant for drivers in the states where it’s available.

• Website: arbella.com
• Phone: Check Arbella’s contact page for policy service and claims.
• 2024 Market Share: 0.17%
• 2024 Direct Premiums Written: ~$0.6B

49. Tokio Marine Holdings

Tokio Marine is a global insurance group with U.S. operations across multiple lines and brands. If you encounter Tokio Marine-related underwriting names, your policy is often managed through an agent/broker relationship.

• Website (U.S. operations): tokiomarineamerica.com
• Phone: Contact your agent/broker or use the website contact directory.
• 2024 Market Share: 0.17%
• 2024 Direct Premiums Written: ~$0.6B

50. Aspire General Insurance Company

Aspire General is commonly associated with non-standard auto insurance through brokers/agents in select markets. If you’re a driver who has trouble qualifying for preferred carriers, it may show up as an option through an independent agent network.

• Website: aspiregeneral.com
• Phone: 916-440-6567
• 2024 Market Share: 0.16%
• 2024 Direct Premiums Written: ~$0.6B

Methodology & Data Sources

Methodology: Rankings are based on Direct Premiums Written for Total Private Passenger Auto in the States & U.S. Territories category, as reported in the most recent NAIC Market Share publication available at the time of update (2024 data). Market share percentages are rounded.

Source: National Association of Insurance Commissioners (NAIC) Market Share Reports (Property/Casualty). You can find the NAIC publication here: NAIC Property/Casualty Market Share Report (PDF).

FAQs on the Largest Car Insurance Companies

Final Word on Our List of Car Insurance Companies

The largest auto insurers dominate a big share of the U.S. market, but that doesn’t automatically make them the best choice for your budget or coverage needs. Many regional insurers (and even some membership-based carriers) can be extremely competitive—especially when your driving profile matches what they prefer to insure.

The best next step is to shortlist a few companies from the top of this list (plus any strong regional insurers in your state), then compare quotes with the same coverage limits and deductibles. That’s the simplest way to find a policy that’s both affordable and reliable when you need it most.