Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Written by

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

UPDATED: Oct 18, 2020

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It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top car insurance companies. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

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!

Table of Contents

Finding the Right Policy

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
61.51
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
USA
68.07
Shelter1946$980,960,0000.40%1817 W. Broadway
Columbia, MO 65218
67.55
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
73.25
Automobile Club of Southern California (ACSC)1900$1,917,301,0001.30%3333 Fairview Road
Costa Mesa, CA 92626, US
69.22
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
67.68
21st Century1954n/an/a3 Beaver Valley Road
Wilmington, DE 19803
n/a
Commerce1971n/an/a211 Main Street Webster, MA 01570n/a
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As you can see, there are a lot of choices out there. That’s why it’s so important to shop around.

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Key Factors to Consider when Shopping for Car Insurance

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.

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

References:

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