Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Key takeaways...

  • Finding the car insurance policy takes time
  • You should always compare at least three different quotes before making a final decision
  • Never base your decision on the rate alone

Car insurance companies are rated by external rating agencies such as J.D. Power & Associates, A.M. Best and Fitch Ratings on a number of factors including financial strength, foreseeable ability to pay existing and future claims, customer service and even consumer reviews. Comparing your options side by side based on objective data can help you narrow down your options based on key findings from industry giants.

The car insurance comparison chart below shows some of the top US car insurance companies and ratings announced on August 3, 2010, by J.D. Power & Associates.

We also have dedicated car insurance reviews on most all car insurance companies nationwide to help you make an educated decision on your next provider.

Ready to compare car insurance quotes now? Enter your zip code above to get started for FREE!

How Can You Find The Right Policy?

J.D. Power can give you a high level overview of different insurance companies. Using charts like the one above can get you off on the right foot. Ultimately, choosing the right auto insurance quote is more complex. Insurance providers offer different car insurance discounts, base prices, and coverage levels. Some have better customer service or claims service than others. Many times, it comes down to asking 2 simple questions:

  • What is your insurance company spending their money on?
  • What factors do they consider when setting insurance premiums?

Insurance underwriting is not black and white. Every auto insurance company does things a little differently. Some companies check credit scores while others focus solely on things like your driving record. Even if you have a bad driving record, there are auto insurance companies that will give you a lower average rate or more protection.

Remember to always learn about car insurance discounts , understand the elements of auto insurance coverage – especially GAP insurance and ask friends and family referrals.

Pay particular attention to recommendations by people who have filed a claim as these are the moments when a car insurance company’s customer service and promises are best put to a test.

It’s important to note that USAA was not included in the report as it is only open to military personnel and families.

However, USAA’s ranking outweighed all of the companies in this years JD Powers car insurance company awards with the sole exception of the Amica Insurance Group who was highest in customer satisfaction for the 11th year in a row.

Car Insurance Company Comparison Chart
COMPANYYear FoundedDirect Premiums WrittenMarket ShareHeadquartersLoss Ratio
State Farm1922$41,963,578,00017.01%1 State Farm Plaza Bloomington, IL 6171062.57
Geico1936$33,075,434,00013.74%5260 Western Avenue, Chevy Chase, Md. 2081570.65
Progessive1937$27,058,768,00010.97%6300 Wilson Mills Rd.
Mayfield Village, Ohio 44143
Liberty Mutual1912$11,776,654,0004.77%175 Berkeley Street Boston, Massachusetts 0211661.81
American Family1927$4,687,909,0001.90%6000 American Pkwy Madison, WI 5378368.58
Erie Insurance1925$3,218,568,0001.30%100 Erie Insurance Pl, Erie, PA 1653072.81
Auto-Owners Insurance1916$2,942,615,0001.19%6101 Anacapri Blvd. Lansing, MI 4891765.95
Amica Mutual1907$1,364,435,0000.55%100 Amica Way, Lincoln, RI 0286566.85
Country1925$1,160,214,0000.47%1701 Towanda Avenue
Bloomington, IL 61701
Shelter1946$980,960,0000.40%1817 W. Broadway
Columbia, MO 65218
Alfa Insurance1946$912,860,0000.37%4331 Atlanta Hwy, Montgomery, AL 3610962.10
Ameriprise1894$822,773,0000.33%70100 Ameriprise Financial Center
Minneapolis, MN 55474
Automobile Club of Southern California (ACSC)1900$1,917,301,0001.30%3333 Fairview Road
Costa Mesa, CA 92626, US
Kemper1990$3,082,993,0001.25%200 East Randolph St. Chicago 6060162.08
State Auto1921$584,004,0000.24%518 East Broad Street Columbus Ohio 4321555.83
The Hartford1810$2,110,796,0000.86%One Hartford Plaza Hartford, CT 0615565.53
Grange1935$574,202,0000.23%671 south high street Columbus OH 4320650.04
Allstate1931$22,663,214,0009.19%2775 Sanders Road Northbrook, IL 6006256.38
Travelers1853$4,697,743,0001.90%485 Lexington Ave., New York, NY, 1001756.67
Automobile Club Group (ACG)1902$3,394,875,0001.38%One Auto Club Drive Dearborn, MI 48126 USA64.36
Safeco1923n/an/a1001 4th Ave Seattle, WA 98154 n/a
Esurance1999n/an/a650 Davis Street San Francisco, CA 94111n/a
Nationwide1926$6,726,799,0002.73%One Nationwide Plaza, Columbus, Ohio 43215-222058.23
California State Automobile Association (CSAA)1913$3,002,971,0001.22%3055 Oak Road Walnut Creek, CA 9459763.29
Farmers1928$10,496,476,0004.26%4680 Wilshire Blvd LA, CA 9001061.05
GMAC1920n/an/a5630 University Pkwy. Winston Salem, NC, 27105n/a
MetLife1868$1,385,699,0001.00%200 Park Avenue New York, NY 10166
Mercury1961$2,676,702,0001.09%4484 Wilshire Blvd. Los Angeles, CA 9001064.76
Encompass1999n/an/a2775 Sanders Rd, Northbrook, IL 60062n/a
The Hanover1852$1,204,040 ,0000.49%440 Lincoln Street
Worcester, MA 01653
21st Century1954n/an/a3 Beaver Valley Road
Wilmington, DE 19803
Commerce1971n/an/a211 Main Street Webster, MA 01570n/a
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What Auto Insurance Policy Should You Choose?

Policy premiums are only one element of car insurance comparison.

Before choosing a final provider to protect you and your family always consider factors such as online claims handling, hours of operation, the availability of a local agent, industry ratings from companies such as A.M. Best and J.D. Power & Associates, personal recommendations by current customers, methods of payment and more.

Sometimes, the cheapest car insurance policy is not always the most reliable. The best way to choose an auto insurer is by getting quotes. Get multiple quotes at once by entering your zip code into our calculator or talking to an insurance agent. Then compare your options and see what makes the most sense for you.

Ready to compare car insurance companies online – Use our zip code tool below to get started for FREE!


  1. https://www.amica.com/en.html
  2. https://www.jdpower.com/