Choosing the best car insurance company is not just about brand names or prices. For agents and brokers, market share can be a useful filter.
In this article, we’ll rank the 10 best car insurance companies in the US using up-to-date IB+ Data Hub market share figures. Use this guide as a quick starting point when you build shortlists for new business and renewals. It can also help you decide whether a full data hub subscription makes sense for your book.
Car insurance is sold by large national carriers, regional players, and direct writers. Most offer a mix of liability, collision, comprehensive, and other add‐ons that you can tailor to each client's vehicle and risk profile.
The following are the best car insurance companies in the US, based on market share data from our IB+ Data Hub platform. Subscribe now so you can check out more information, which you can filter by state, year, and other lines of business.
Market share: 15.80%
State Farm offers a full range of car insurance coverage, including liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments. You can also add rental car and travel expense cover, emergency road service, and a rideshare endorsement for clients who drive Uber or Lyft. Clients can file claims through the app, online, or by phone, which fits busy households and small business owners.
State Farm offers programs like Drive Safe & Save and Steer Clear and various student discounts. These types of coverage can work well for new and safe drivers and families with multiple vehicles.
State Farm is also a practical option for high‐risk drivers and low‐mileage clients who want coverage from a major brand. Multi‐policy households can bundle auto with home, renters, or life coverage.
Market share: 8.07%
Progressive's car insurance policies include standard liability, collision, and comprehensive coverage. You can also access uninsured and underinsured motorist and medical payments or personal injury protection. Rideshare coverage, loan or lease payoff, rental car reimbursement, roadside assistance, custom parts coverage, pet injury protection, and accident forgiveness are available as add-ons.
Progressive suits safe drivers who like telematics discounts, price-sensitive clients, and multi‐car or multi‐policy households. It also provides coverage for rideshare drivers and owners of financed vehicles who need gap protection. Progressive has policies for high‐risk drivers who need SR‐22 filing, and clients with custom equipment.
If you want a deeper look at how this industry giant stacks up against its peers, check out this article on Progressive's insurance rating.
Market share: 5.40%
USAA provides liability, collision, comprehensive, and uninsured and underinsured motorist coverage for eligible members. Clients can add rideshare gap protection, rental reimbursement, and roadside assistance. The insurer also offers car replacement assistance that adds about 20 percent above actual cash value on total losses.
One of the best car insurance companies in the country, USAA offers coverage only to US military members, veterans, and their eligible family members. Within this group, its policies can suit safe drivers through SafePilot and low‐mileage drivers using SafePilot Miles. It also offers coverage for deployed members who store vehicles or park on bases.
Market share: 5.25%
Warren Buffett's conglomerate writes private car insurance through its subsidiary, GEICO, which offers liability, collision, comprehensive, and other standard coverage. You can also place clients with uninsured and underinsured motorist protection, medical payments or personal injury protection, and add-ons like roadside assistance or rental reimbursement.
GEICO suits many types of drivers, including teens, seniors, families with multiple cars, and good drivers who qualify for lower rates. It can also insure high‐risk drivers, those needing SR‐22 or FR‐44 filings, business users in eligible classes, and specialty vehicle owners.
Market share: 4.95%
Allstate offers standard liability, collision, and comprehensive auto policies. It also writes uninsured and underinsured motorist and medical payments or PIP coverage. Brokers can add rental reimbursement, roadside assistance, gap insurance, new car replacement, and rideshare insurance. Allstate also provides coverage for classic or antique cars.
Safe drivers can access telematics discounts through Drivewise and deductible rewards for having clean driving records. Allstate car insurance can also work for students, low‐mileage drivers, rideshare and delivery drivers, and non‐owners who borrow or rent cars frequently.
Check out our Allstate insurance ratings review to learn more about the insurer's financial strength and service track record.
Market share: 3.96%
Liberty Mutual provides all standard types of car insurance, including liability, collision, comprehensive, uninsured and underinsured motorist, and PIP. You can add new car replacement, better car replacement, accident forgiveness, gap coverage, OEM parts coverage, rental reimbursement, and 24/7 roadside assistance. These options help you build packages that can compete with those of the best car insurance companies.
Liberty Mutual can work for teen and young drivers, high‐risk accounts, and clients who want to customize coverage and deductibles. It also suits safe or low‐mileage drivers who can benefit from RightTrack telematics savings, and multi‐car or bundled households that want to stack discounts.
Market share: 3.32%
Travelers offers standard bodily injury and property damage liability, collision, and comprehensive car insurance. You can add loan or lease gap coverage, rental coverage for extended transportation expenses, roadside assistance, and OEM parts coverage on newer vehicles. Bundling with home or renters and using available discounts can help keep premiums competitive for many personal auto accounts.
Travelers can work for low‐mileage drivers, drivers with clean records, and households that want to bundle multiple policies. It is also an option for high‐risk drivers with tickets, DUIs, or weaker credit, and for families with students who qualify for good‐student discounts. Drivers who own hybrid or electric vehicles, or who are comfortable with telematics through IntelliDrive, may also find suitable pricing and features.
You can get a closer look at Travelers' financial strength and performance in this insurance ratings guide.
Market share: 3.14%
Farmers car insurance policies include liability, collision, comprehensive, and uninsured and underinsured motorist coverage for cars, pickups, and SUVs. You can add rental car reimbursement, towing and roadside assistance, glass coverage, and OEM parts endorsements for clients who want stronger repair protection. Farmers also writes policies for rideshare drivers, motorcycles, RVs, and classic or collector cars.
Farmers can suit families with teen drivers who need discounts for good grades and driver training, and who may list teens as occasional drivers. It is also an option for safe drivers using the Signal app, rideshare drivers, and small business owners who use personal vehicles for work. Multi-policy households and drivers with prior accidents or lower credit can find coverage, especially where accident forgiveness and bundled discounts improve overall value.
Market share: 2.76%
Chubb writes auto policies for luxury, classic, and high‐value vehicles. Coverage features high liability limits, guaranteed value on total losses, and mandatory OEM parts for repairs. You can also add worldwide liability, classic car coverage, and rental reimbursement limits up to $15,000 with no daily cap. This helps make Chubb among the best car insurance companies for affluent clients.
Chubb car insurance is designed for high‐net‐worth individuals, multi‐car households, and owners of luxury, exotic, or vintage vehicles who want tailored protection. It can also suit clients who travel often and need worldwide coverage or want rental cars that match the standard of their insured vehicles.
Market share: 2.11%
American Family offers liability, collision, comprehensive, and uninsured and underinsured motorist coverage in its personal auto line. Add-ons include accident forgiveness, gap coverage, rideshare insurance, emergency roadside service, rental reimbursement, and usage‐based options like DriveMyWay or pay‐per‐mile through Miles My Way.
American Family can work for families with teen drivers who qualify for good student and young volunteer discounts, and for drivers with clean records. It can also be competitive for some high‐risk drivers with DUIs, rideshare drivers, and households that stack multi‐policy and generational discounts.
For a deeper look at its performance and stability, check out our American Family insurance rating guide.
Choosing the best car insurance provider starts with the basics: identifying who the client is, what they drive, and where they live. From there, you can work through a short checklist when you screen carriers.
☐ financial strength and stability: check A.M. Best and other insurance rating agencies, and avoid carriers that look weak on long‐tail claims
☐ claims handling track record: look at independent satisfaction scores and broker feedback, and favor carriers that resolve auto claims quickly and fairly
☐ coverage flexibility: confirm availability of options like gap coverage, rideshare endorsements, higher limits, or agreed value for high‐value vehicles
☐ fit with client profile: match each carrier's appetite to your client type, such as teens, high‐risk drivers, luxury cars, or multi‐policy households
☐ pricing and discounts: compare total cost after telematics, multi‐car, and bundling discounts, instead of quoting off base rate alone
☐ digital tools and servicing: review apps, portals, and payment options, especially for clients who expect to manage everything on their phone
Use this checklist to evaluate the best car insurance companies in this guide and help narrow down your choices for each client account.
If you need in-depth insurer data, our IB+ Data Hub gives you another layer of insight to refine those choices. Subscribe to Insurance Business Premium today to gain access.
