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Last Updated on January 29, 2026
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.
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
