2025 Market Leader Review
Top 10 Car Insurance Companies in the US
By Our Insurance Experts
Choosing the right car insurance goes beyond just finding the cheapest premium. You need a company with the financial strength to pay claims, the customer service to handle emergencies, and the specific coverages you need. The top 10 companies below control nearly 75% of the US auto insurance market. Here is how they stack up.
2025 Market Share Distribution
State Farm
Pros
- •Largest network of local agents
- •Excellent customer service ratings
- •Strong financial stability
Cons
- •Not always the cheapest option for high-risk drivers
- •Online quotes sometimes require agent follow-up
Progressive
Pros
- •Name Your Price Tool provides budget flexibility
- •Strong rates for drivers with a DUI or accident
- •Excellent mobile app
Cons
- •Customer satisfaction is average
- •Customer service can be hard to reach
GEICO
Pros
- •Consistently low rates across most demographics
- •Exceptional digital experience
- •Strong discounts for federal employees and military
Cons
- •Fewer local agents than State Farm
- •Fewer coverage add-ons than competitors
Allstate
Pros
- •Drivewise program offers significant safe driving discounts
- •Extensive local agent network
- •Strong new car replacement coverage
Cons
- •Generally higher baseline premiums
- •Customer satisfaction varies by region
USAA
Pros
- •Exceptional customer service and claims handling
- •Consistently the lowest rates available where eligible
- •Unique military-specific benefits
Cons
- •Only available to military members, veterans, and their eligible family
- •Limited physical branches
Liberty Mutual
Pros
- •"Customize your coverages" allows tailored policies
- •Good discounts for new drivers and students
- •RightTrack telematics program
Cons
- •Higher than average rate complaints
- •Below-average scores in J.D. Power studies
Farmers
Pros
- •Wide variety of occupation and affinity discounts
- •Strong rideshare coverage options
- •Good local agent availability
Cons
- •Premiums tend to be higher than average
- •Customer satisfaction is middle-of-the-pack
Travelers
Pros
- •Significant multi-policy discounts
- •IntelliDrive telematics program is strong
- •Excellent financial strength
Cons
- •Not available in all 50 states
- •Claims process can be slow
American Family
Pros
- •Strong loyalty discounts (generational, early bird)
- •Fewer complaints than average
- •Good teen driver programs
Cons
- •Only available in 19 states
- •Pricing is not always the most competitive
Nationwide
Pros
- •Vanishing deductible program rewards safe driving
- •Strong standard coverage inclusions
- •Solid optional coverages (pet, classic car)
Cons
- •Rates can be high for drivers with poor credit
- •Average customer service ratings
How We Rank
Market share data is based on the latest available National Association of Insurance Commissioners (NAIC) property and casualty reports for private passenger auto insurance. "Best For" designations, pros/cons, and overall assessments are our editorial opinions determined by analyzing J.D. Power claims satisfaction studies, AM Best financial strength ratings, and our independent reviews of coverage options. This guide is provided for general informational purposes only and does not constitute financial or legal advice. We recommend comparing multiple quotes and consulting with a licensed insurance professional to find the best policy for your specific needs.
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