The 10 Largest Auto Insurance Companies in 2025

State Farm, Progressive, and GEICO are the three largest auto insurers in terms of market share. But that doesn’t necessarily mean any of them will be the best choice for you.

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Joe Dyton
Written byJoe Dyton
Joe Dyton
Joe DytonInsurance Writer

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

Nick Versaw
Edited byNick Versaw
Nick Versaw
Nick VersawSenior Managing Editor

Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.

Amanda Clear
Reviewed byAmanda Clear
Amanda Clear
Amanda ClearLicensed Auto Insurance Agent

Amanda Clear is a licensed Property and Casualty insurance agent who runs her family insurance agency providing coverage in the states of Connecticut, New York, and Vermont. She specializes in providing customized insurance packages to her clients that provide the best coverage for the price that they can afford. She holds a bachelor's degree in English from Sacred Heart University in Fairfield, CT, and works as a freelance editor, proofreader, and writer outside of her insurance career.

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No matter your situation, you need car insurance to legally drive. But you have a choice when it comes to which insurer will cover your vehicle.

In fact, the insurance market consists of hundreds of car insurance companies. Some are small, regional insurers, while others are big names you see advertising on TV or online.

But with so many options, finding the best car insurance company for your needs and budget can be overwhelming. Ultimately, the best car insurance company for you will depend on several factors, such as price, how much coverage you need, your customer service expectations, and more.

But with so many insurers out there, you’re sure to find one that meets your needs. You just need to know where to look.

We’ll show you how.

Key Takeaways
  • State Farm, GEICO, and Progressive insure nearly half of the auto insurance market.

  • COUNTRY Financial has the cheapest average rates — just $31 per month.

  • Rates can vary widely from one driver to the next, so the only way to ensure you’re getting the best deal is to compare quotes from multiple companies.

Compare Car Insurance Companies Head-to-Head

State Farm logo
Progressive logo
USAA logo
Auto-Owners Insurance logo
Direct Auto Insurance logo
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$83/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$137/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$73/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$56/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$135/mo*
Overall Rating
3.9
Overall Rating
3.2
Overall Rating
4.3
Overall Rating
4.3
Overall Rating
4.3
Value
4.0/5
Value
3.3/5
Value
4.9/5
Value
3.5/5
Value
3.5/5
Customer Service
4.4/5
Customer Service
3.6/5
Customer Service
4.4/5
Customer Service
3.7/5
Customer Service
4.0/5
Claims Handling
4.0/5
Claims Handling
3.3/5
Claims Handling
4.1/5
Claims Handling
3.7/5
Claims Handling
3.3/5
Special Highlight
AI-generated from 288 user reviews
N/A
Special Highlight
AI-generated from 266 user reviews
N/A
Special Highlight
AI-generated from 64 user reviews
N/A
Special Highlight
AI-generated from 9 user reviews
N/A
Special Highlight
AI-generated from 12 user reviews
N/A
We sourced the data in this table from Compare.com users who indicated they're existing customers of the insurers you see here.

10 Largest Auto Insurance Companies by Market Share

Unsurprisingly, the list of the 10 largest car insurance companies in terms of market share (the percentage of total industry sales each insurer has) features a lot of familiar names. The top three car insurance companies based on market share — State Farm, Progressive, and GEICO — are some of the most well-known brands in the country.

Most of us are familiar with the GEICO gecko, Jake from State Farm, and Flo from Progressive, so it’s no surprise to see these companies top the list. In fact, the trio has snatched up nearly half of the total auto insurance market between them. But that doesn’t mean there aren’t plenty of other great options out there.

The following table includes the 10 largest auto insurance companies in the U.S. and their corresponding market share, according to data from the National Association of Insurance Commissioners (NAIC).[1] You can also see how average full-coverage rates compare among them with corresponding data from Compare.com.

Company
sort ascsort desc
Market Share
sort ascsort desc
Average Monthly Premium
sort ascsort desc
State Farm19%$109
Progressive17%$171
GEICO12%$131
Allstate11%$130
USAA6%$95
Farmers4%$214
Liberty Mutual3%$233
Travelers2%$182
AAA2%$134
American Family2%$141
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm leads the industry with a whopping 19% market share, but Progressive, Allstate, and GEICO each claim at least 1 in 10 insurance shoppers. USAA, Liberty Mutual, and Farmers all boast around 5% of the market as well, with several other big names rounding out the top 10.

But which one is right for you? Let’s take a closer look at each company.

State Farm logo
User Reviews
3.9
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.7 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$109/mo
3.9
A solid optionBased on 548 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Best For
Reviews (288)
Carol
Verified Review
Expensive
Reviewed in Georgia on July 2025
Check around and compare pricing.
Alvin
Verified Review
Quality of Coverage vs Cost
Reviewed in Florida on July 2025
The issue is the cost for coverage.
Steve
Verified Review
Hail Damage Claim Denied
Reviewed in Florida on July 2025
The experience with home claims was horrible. Many claims were approved for hail damage, but mine was disapproved. They said the damage was caused by a hail storm when I was with another agency. If so, I never knew about it. This is the first home claim I have made. I bought this house new in 2015, and no claim for home insurance has ever been filed before.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm’s combination of discounts, low rates for good drivers, and highly rated customer service has led to the insurer having the most auto insurance policies of any company in the U.S. State Farm also boasts outstanding claims service teams and offers a variety of typical car insurance coverage options.

And with above-average customer satisfaction scores in J.D. Power’s most recent auto insurance study[2] and some of the lowest rates in the industry (even for drivers with a DUI), State Farm is a great choice for drivers looking for robust coverage at a great price.

Pros
  • Above-average J.D. Power customer satisfaction ratings

  • Wide variety of available discounts

  • 24/7 claims service

Cons
  • Relatively limited coverage options

  • Mixed customer reviews

  • Gap insurance not available

Progressive logo
User Reviews
3.2
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.3 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$103/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$171/mo
3.2
A solid optionBased on 552 verified guest reviews and ratings
How drivers feel about Progressive

Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Progressive

Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (266)
Michael
Verified Review
Irritated
Reviewed in Utah on July 2025
They raised my rates when someone backed into me. I don’t think I should be paying commission every month when the agent is earning it.
Lamont
Verified Review
Discounts don't matter.
Reviewed in New Jersey on July 2025
Rates unnecessarily keep going up.
Gary
Verified Review
Expensive
Reviewed in Louisiana on July 2025
The price is causing me difficulty.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Like a number of national car insurance companies, Progressive offers 24/7 service, a convenient mobile app, and competitive rates for its customers, including high-risk drivers. You can also enjoy bundling discounts for insuring multiple products — such as auto and home insurance — with Progressive.

But you should be prepared for potential rate increases and issues with the Snapshot app, based on recent customer reviews.

Pros
  • Potential savings of 30% with Snapshot

  • Outstanding discount offerings

  • 24/7 customer and claims service

Cons
  • Potential rate hikes

  • Unclear loyalty program requirements

  • Reported issues with Snapshot mobile app

GEICO logo
User Reviews
4.0
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.6 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$100/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$131/mo
4.0
Best choiceBased on 438 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about GEICO

Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (238)
Jon
Verified Review
The premium cost has become high for auto insurance.
Reviewed in Florida on July 2025
I believe Geico auto insurance to be too expensive at this point.
Luisa
Verified Review
Good
Reviewed in Florida on July 2025
It has been good, but the rates are higher than Progressive, so I will have to change my policy to them.
Bessy
Verified Review
Safely, promptly responded and good price
Reviewed in Florida on July 2025
Good
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO is well-known for its low rates, which makes it a popular choice for drivers who prioritize cost when shopping for car insurance. The company also provides a fast and easy quote process — both online and over the phone — and a variety of discounts to help you save.

The company doesn’t have a lot of local insurance agents, but GEICO’s mobile app and website make it easy to manage your car insurance policy online.

Pros
  • Competitive rates for high-risk drivers

  • Wide variety of insurance products

  • Highly rated mobile app

Cons
  • Below-average customer service scores

  • Limited number of car insurance discounts

  • Gap insurance not available

Allstate logo
User Reviews
3.5
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.5 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$70/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$130/mo
3.5
A solid optionBased on 315 verified guest reviews and ratings
How drivers feel about Allstate

Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Allstate

Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (158)
Mary
Verified Review
No claims filed (thank goodness)
Reviewed in Oklahoma on July 2025
I haven't had to use the insurance, but after checking, it seems like the rates are higher than some for the same coverage.
Marcia
Verified Review
Increased rates
Reviewed in Texas on July 2025
Frustrated with the rate increase. No recent changes to my driving record, yet there was still a 20% increase.
Mary
Verified Review
Not very professional!
Reviewed in Georgia on June 2025
I renewed my insurance with Allstate based on monthly payments, but they charged me for the whole 6 months. I tried to call and speak with Marvah Jean-Baptiste, and did speak with someone in her office who told me it was paid in full and there was nothing they could do. I asked to speak with Marvah and was put on hold, a phone rang and rang and then went silent. She never returned my call. I am not happy with this kind of service and will not renew with them again.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Allstate is a well-known car insurance brand, potentially due to its reputation for insuring drivers with varying driving and insurance histories. High-risk drivers can typically get an affordable Allstate policy, but so can drivers with clean records.

The company covers a range of other vehicles and products, too. Allstate has a solid online presence but still boasts a large network of local insurance agents who can offer personalized support to those who need it.

Pros
  • Wide variety of available coverage options

  • Available in all 50 states

  • Offers investment and retirement products

Cons
  • High number of customer complaints

  • Reportedly inefficient claims process

  • Potential issues with Drivewise and Milewise apps

USAA logo
User Reviews
4.3
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.5 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$95/mo
4.3
Best choiceBased on 109 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (64)
Clifford
Verified Review
Rate hikes yet again. Leaving USAA after 28 years.
Reviewed in Arizona on July 2025
They have significantly increased rates over the last few years. I have excellent credit, a clean driving record, and no claims, yet rates increased again this renewal by another $160 per 6 months. My rate has increased over $400 in the last 18 months to now $1562.68 for 6 months.
Natalya
Verified Review
SCAM
Reviewed in Colorado on July 2025
Our experience with USAA was horrendous. We lost our home to Hurricane Beryl. Having been a member for 27 years and never making any claims, this experience was indescribable. USAA, to whom we had paid $410.36 for years, had me doing their job. No tickets, no DUI, and a 20-year-old driver. That is too expensive for anyone. After Beryl, there was no power, which meant no electricity, no internet, no open stores, no food, and no gas. By the beginning of the second month, USAA tried to make Texas Wind and Air responsible, then FEMA, for paying for the broken roof, fallen trees, flooded home, and damaged AC. We decided to pack up and move on our own dime again. USAA is and always will be a ripoff. Very expensive to be a USAA member. Never again. We are just fine with AAA. Personally, the old ways of taking care of folks with insurance are only found and available with AAA. USAA has not stopped offering me a job with their claims department since Hurricane Beryl, though. I must know what I am doing better than my agent, who got fired for drinking and falsifying claims documents. There's more to the storyline with USAA. Plan on having to call them constantly to make sure they are at work.
Barbara
Verified Review
For a recent home accident, I received very nice help & service
Reviewed in Georgia on July 2025
I don't know if I'm paying too much as I'm almost 90 years old. I fill my gas tank once a month, very low mileage, and when I question it, I'm not sure I get a proper response.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA offers what many drivers are looking for in a car insurance company — competitive rates and plentiful discounts. But you must be affiliated with the military to become a USAA member and be eligible for coverage.

Only military members, veterans, and their families are eligible for USAA, but, if you qualify, you can expect competitive rates and expansive coverage options.

Pros
  • Extremely low rates

  • Numerous available discounts

  • Potential savings of 30% with SafePilot

Cons
  • Available only to military members and families

  • 24/7 customer service not available

  • Gap insurance not available

Farmers Insurance logo
User Reviews
4.2
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.3 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$111/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$214/mo
4.2
Best choiceBased on 102 verified guest reviews and ratings
How drivers feel about Farmers Insurance

Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Farmers Insurance

Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (55)
Eugenia
Verified Review
Farmers was there for me when I needed help!
Reviewed in Georgia on August 2025
Communication wasn’t the greatest sometimes. Rates were competitive.
Cynthia
Verified Review
Crazy
Reviewed in Oregon on July 2025
My car insurance started out at $75.00. Now it’s almost $200.00?
Patrick
Verified Review
Expedite Payments
Reviewed in Ohio on June 2025
Any payments due from the company should be sent overnight. Delays in USPS mail cause unnecessary trips to the bank to cover immediate expenses.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Farmers’ local agent model gives you the best of both worlds: the personalized touch of a small insurance company with the benefits of a larger insurer, such as great rates and plentiful coverage options.

Farmers also offers a variety of car insurance discounts and savings programs, such as its telematics program, Signal. The downside is the insurer’s rates and customer service ratings don’t stack up well with the other companies on this list.

Pros
  • Multiple car insurance coverage options

  • Expansive local agent network

  • Available bundling opportunities

Cons
  • Above-average premiums

  • Below-average customer satisfaction rates

  • Potential rate increases with Signal

Liberty Mutual logo
User Reviews
3.6
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
3.9 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$173/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$233/mo
3.6
A solid optionBased on 95 verified guest reviews and ratings
How drivers feel about Liberty Mutual

Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Liberty Mutual

Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (49)
Stephen
Verified Review
Good at first
Reviewed in Georgia on August 2025
Okay initially, but once you're a customer, expect repeated rate increases. Of course, this is the nature of the insurance game!
Lyle
Verified Review
Premiums Too High
Reviewed in Arizona on June 2025
We have been with Liberty Mutual for several years. No accidents, no claims, and we're paying $226 per month for one vehicle. Plus, we bundle our auto and home insurance.
Marilyn
Verified Review
Good
Reviewed in Georgia on June 2025
Too expensive but excellent service. Premium raised too much because of hurricane damage.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Liberty Mutual’s competitive car insurance rates and wide variety of discounts have helped make it one of the largest car insurance companies in the industry. The insurer offers standard car insurance options as well as less traditional ones, such as antique car insurance policies and coverage in Mexico.

The company also covers several other vehicle coverages and insurance products, making it ideal for someone who wants to protect all their belongings with one company.

Pros
  • Potential savings with RightTrack

  • Competitive rates

  • Large number of available discounts

Cons
  • Reportedly long, frustrating claims process

  • Technical issues with quote process

  • Mixed customer service reviews

Travelers logo
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
NR
How drivers feel about Travelers

Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Travelers

Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.

AI-generated from the text of verified reviews collected by Compare.com
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Travelers offers a number of car insurance coverage options in addition to property insurance products and other financial services. While the company boasts solid financial strength and fewer complaints than average, it’s seen its share of low customer satisfaction marks.

And though Travelers’ quote process is easy, completing the purchase is less convenient because you have to call to finalize your policy.

Pros
  • Cheaper-than-average car insurance rates

  • Plentiful discount programs available

  • Wide array of available coverage options

Cons
  • Must purchase policies over the phone

  • More expensive than direct competitors

  • Below-average customer satisfaction scores

AAA Insurance logo
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
666
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
NR
How drivers feel about AAA Insurance

Customers appreciate the friendly service but dislike the frequent and significant premium increases. Some also found it hard to reach agents and experienced issues with claims handling.

AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about AAA Insurance

Customers appreciate the friendly service but dislike the frequent and significant premium increases. Some also found it hard to reach agents and experienced issues with claims handling.

AI-generated from the text of verified reviews collected by Compare.com
Best For
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
666
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Known for its industry-leading roadside assistance program, AAA also finds itself in the top 10 car insurers by market share. That could be because of the company’s somewhat unique membership perks, but lower-than-average auto insurance rates don’t hurt.

That said, AAA auto insurance is available only to existing roadside assistance members, so it may not be the best fit for everyone.

Pros
  • Unique perks for existing AAA members

  • Great roadside assistance packages

  • High customer satisfaction scores

Cons
  • Must be existing AAA member

  • Relatively basic selection of coverages

  • Available in only 14 states

American Family logo
User ReviewsNR
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
NR
How drivers feel about American Family

Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.

AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about American Family

Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.

AI-generated from the text of verified reviews collected by Compare.com
Best For
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

American Family Insurance offers a wide range of car insurance coverages with customizable coverage limits. The insurer also boasts multiple discounts to help you save on your monthly premium.

You can also insure your home, business, and more with American Family Insurance. But the insurer offers car insurance in only 19 states and has struggled with financial strength compared to its competitors.

Pros
  • Above-average customer satisfaction ratings

  • Multiple discount opportunities

  • Competitive rates for high-risk drivers

Cons
  • Available in only 19 states

  • Customer service varies by local agent

  • More expensive than some competitors

3 Tips for Choosing the Best Car Insurance Company

Man in a suit smiling while getting into a car, with a cityscape in the background.

We’ve gone over the 10 largest car insurance companies by market share, but that doesn’t mean your options end here. The right auto insurance company for you will depend on a number of factors, including price, customer service, available coverages, and more.

Here are a few things to consider when choosing your next auto insurance company:

Compare multiple companies

You might find a good fit on the first attempt, but be sure to check out a few other auto insurance companies. There could be a company that offers more discounts you’re eligible for or covers something you own that other companies don’t.

And the only way to know you’re getting the best deal is by comparing personalized quotes from as many companies as possible.

Fortunately, car insurance comparison sites do the hard work for you. Many work with more than 50 of the nation’s top companies, ensuring you find the best deal on your next policy.

Consider more than price

You obviously want to pay the least amount you can for proper car insurance, but the company with the lowest rate doesn’t always mean it’s the best fit. Be sure to consider what you’re sacrificing for low car insurance quotes.

Are you still getting all the coverage you need? Does the insurer reward you for insuring more than one product with its company? What’s its claim process like? What do other customers think?

All these questions are worth asking next time you’re considering switching companies.

Read customer reviews

Many companies offer cheap rates and great service, but seeing what others have to say about a car insurance company can help you sift through the advertising claims and find the best company for your needs.

Pay close attention to what people have said about a company’s claims process and customer service. If the feedback is generally positive and the insurer offers competitive car insurance rates, you may have a winner.

Auto Insurance Companies FAQs

You’ll always have plenty of choices when it comes to car insurance companies. We’ve answered some of the most commonly asked questions to help you find the right company for you.

  • Which company has the cheapest car insurance?

    Car insurance rates can depend on a number of factors, including your vehicle, age, driving history, address, and more. That said, COUNTRY Financial, Auto-Owners, and USAA offer the cheapest car insurance, on average, according to Compare.com data.

  • What’s the largest auto insurance company?

    State Farm is currently the largest auto insurance company in the U.S. by market share, according to NAIC, with 18.87% of the car insurance market.

  • Which is the best car insurance company?

    The “best” car insurance company will come down to your individual needs. The lowest price is helpful, but additional factors will determine what the best auto insurance company is for you. The factors will include the number of available discounts and coverages, customer service and claims process, and whether the company can insure your other belongings. We recommend comparing quotes from at least three different insurers before making your decision.

See How Companies (Both Large and Small) Stack Up

We’ve analyzed dozens of companies’ average rates, real-life customer reviews, coverage options, and more to help you determine the best insurance company for your unique needs and profile.

Check out these head-to-head comparisons to learn more:

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. National Association of Insurance Commissioners. "2024 Property and Casualty Market Share report."
  2. J.D. Power. "2025 U.S. Auto Insurance Study."
About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Joe Dyton
Joe DytonInsurance Writer

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

Nick Versaw
Edited byNick VersawSenior Managing Editor
Nick Versaw
Nick VersawSenior Managing Editor

Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.

Amanda Clear
Reviewed byAmanda ClearLicensed Auto Insurance Agent
Amanda Clear
Amanda ClearLicensed Auto Insurance Agent

Amanda Clear is a licensed Property and Casualty insurance agent who runs her family insurance agency providing coverage in the states of Connecticut, New York, and Vermont. She specializes in providing customized insurance packages to her clients that provide the best coverage for the price that they can afford. She holds a bachelor's degree in English from Sacred Heart University in Fairfield, CT, and works as a freelance editor, proofreader, and writer outside of her insurance career.

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