The 10 largest auto insurance companies in the country represent more than two-thirds of the market share in the United States. Among top insurance companies, auto discounts such as multiple policy bundles and safe driver discounts reign supreme. We rounded up the largest U.S. auto insurers to give you a good idea of what’s available. To get the right rates and find the ideal policy for your needs, use a car insurance comparison tool or get quotes from multiple companies to make sure you’re getting the most competitive rates available.
With more than 18% of the market share, State Farm is the largest automobile and home insurer in the U.S. It has more than 18,000 agents spread across its nationwide network and an extensive menu of more than 100 services, so it’s easy to see why so many drivers turn to State Farm for their insurance needs. This carrier offers multiple discounts on auto insurance, including:
Get Free Credit Score
Defensive driving course
Drive Safe and Save
Having a homeowners policy
During a 2016 State Farm review, J.D. Power ranked State Farm as above average in overall satisfaction. A.M. Best ranks it as superior in financial strength. On the downside, you have to go through a State Farm agent to get a policy, and the agents don’t offer any information about competitors who may provide policies with more favorable terms.
If you prefer managing your account online rather than in-person, Geico may be an excellent option for you. Geico offers some of the lowest prices on auto insurance in addition to simple online applications and account management tools. Some of the other features that make Geico stand out include optional coverage types such as mechanical breakdown, emergency roadside assistance and rental reimbursement.
During a 2016 Geico review, J.D. Power ranked Geico as average in overall satisfaction. Both A.M Best and Standard & Poor’s rate Geico highly for its financial strength.
Although Allstate’s prices are on the higher end, the insurance company offers a solid menu of discounts that help shave up to 30% off premiums, including a premier discount that rewards you for driving for three years without accidents or violations with a 22% discount. This carrier offers a large selection of services ranging from home and auto insurance to life insurance, annuities and mutual funds.
J.D. Power’s 2016 Allstate review gave the company an average rating in overall satisfaction. It also earns a superior rating from A.M Best based on its financial strength.
What sets Progressive apart from other insurers is its “Name Your Price” tool, which helps you find the policies that fit your budget. Progressive also has an online quote tool that gives you an estimate of the company’s rates along with the rates of some of its top competitors. With numerous integrated discounts, including multi-car and safe driver discounts, it’s easy to create a custom package with just the right amount of coverage and a premium that works for you.
In its 2016 Progressive review, J.D. Power ranked Progressive as average in overall satisfaction. A.M. Best gives Progressive an A+ for financial stability and strength.
USAA’s auto policies are created specifically for military families and include added features such as discounted long-term auto insurance. To be eligible, you need to qualify according to USAA’s criteria, which include being one of the following:
Active Military: A member of the Air Force, Navy, Army, Coast Guard or Marines
Former Military: An individual who separated or retired with an honorable discharge
Family: Un-remarried former spouses, widows and widowers of USAA members or children whose parent(s) had or have USAA property or auto insurance
Cadets and Midshipmen: Individuals enrolled at U.S. service academies, on ROTC scholarship or in advanced ROTC
In its USAA review, A.M. Best granted USAA an A++ for financial strength. This carrier also consistently earns high marks for customer satisfaction.
Farmers offers 85 years of experience to go beyond simple, bare-bones legal coverage. If you’re interested in additional features for your auto insurance policy, Farmers Insurance has some great options. Optional add-ons include accident forgiveness, small-claim forgiveness and new car replacement. Some of the discounts that it offers include the company’s affinity discounts, which are open to professionals such as teachers, accountants, architects, doctors, engineers, lawyers, pilots, firefighters, scientists and police officers.
In its 2016 Farmers review, J.D. Power ranked Farmers as average in overall customer satisfaction. A.M Best gives it an excellent rating based on the company’s financial strength.
Liberty Mutual includes some value-added extras in its auto policies, which makes this company a smart option if you’re looking for these benefits. Some of the added benefits of a Liberty Mutual auto insurance policy include accident forgiveness after spending five years violation- and accident-free, a lifetime repair guarantee and 24-hour roadside assistance.
A 2016 Liberty Mutual Review by J.D. Power ranked the company as average in overall customer satisfaction. A.M Best gives it an excellent rating based on the company’s financial strength.
Nationwide carries everything from auto and home insurance to pet and identify theft insurance and financial services, which makes this company ideal as a one-stop shop if you need several types of policies. Where Nationwide sets itself apart is with some of its add-ons, including the vanishing deductible that rewards you for every year you drive without an incident by reducing your deductible.
J.D. Power’s 2016 Nationwide review revealed average overall customer satisfaction. A.M. Best rates the insurer with an A+ for financial strength.
American Family is the ninth-largest auto insurance company in the United States, and it’s well regarded for its low prices and large menu of services. In addition to auto insurance, you can get homeowners, boat, condo, farm, business or ranch insurance along with financial products such as investments and retirement accounts.
In American Family reviews, both J.D. Power and Consumer Reports give American Family excellent ratings for claims satisfaction. A.M Best ranks the insurance carrier as having excellent financial strength.
Travelers is a big name in the insurance game, with a high profile and a history that dates back to 1864. In addition to being the 10th largest auto insurance provider in the country, Travelers is also the sixth largest homeowners insurance carrier. The company’s website is simple to use, and the insurer offers a variety of discounts. Travelers offers an in-person insurance experience and sells auto insurance coverage through a network of 13,000 agents located across the country.
A 2016 Travelers review from J.D. Power reveals average overall customer satisfaction. A.M Best ranks it as having superior financial strength.
Get Cheaper Insurance for your American Car
A car as special as yours deserves a special kind of insurance policy. That’s where Adrian Flux can help. With over 40 years experience in arranging insurance for every kind of car imaginable, we will tailor a policy as unique as your vehicle. We know that owners of American cars are not like other motorists and the cover we arrange takes this into account. We have Special schemes with fantastic rates for all American Cars, including modern cars, US Classics, Day Vans, Pick Ups & Motorhomes / RVs
We offer agreed value cover
Members of American car owners Clubs and forums can also benefit from discounts of up to 15%
We offer flexible and competitive American car insurance quotes for all circumstances, sourcing the best available scheme from amongst the many offered by our panel of over 40 insurers. Why waste your time ringing round dozens of companies when we can do it for you? If you do ring round, come to us last we will do our very best to beat the best quote you get.*
American Car Insurance
Many insurers run a mile from cars that were not built for the UK market, but, as experts in insuring all import cars, you will find that we probably know more about American cars than any of our competitors. We can arrange great cover whether your American dream-car is a Ford Mustang, Lincoln Continental or even a pink Cadillac.
Whether you bought your American car as a ‘project’, a hobby or simply to have fun driving in (and turning heads!), we understand the particular needs that American car owners have from an insurance policy. That’s why we offer:
Agreed value cover We can assess your American car and agree cover for its true value, so you won’t get a nasty surprise if you need to make a claim
Modified American car insurance if you’ve modified your American car in any way, we can ensure that your car is fully covered with like for like replacements
Laid up policies so your restoration projects are fully protected from theft or mishap
Limited Mileage discounts the fewer miles you drive, the more you can save, from as little as 1,500 miles
Wedding Hire cover can be arranged on application
Owner’s Club Discounts If you belong to a recognised owners club or forum, you will receive a discount of up to 15%, depending on the policy taken
Our staff are all seasoned insurance experts and will calculate your American car insurance premium individually, using their expert knowledge of the many specialist US car insurance schemes on offer. When you call us you will be speaking to a knowledgeable enthusiast, based in the UK, not some button pusher in a foreign call centre who doesn’t know a Cadillac Eldorado from a Chevy Corvette. Along with our tailor made American schemes we believe we offer the best American car insurance quotation service around.