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Car insurance has many benefits — the chief of which is protecting your wallet. However, knowing which car insurance company to choose can be overwhelming. One way to start your search is by looking into what other policyholders are buying. These are the largest auto insurance based on National Association of Insurance Commissioners (NAIC) data.
The table below depicts the largest car insurance companies in the United States based on the percentage of insured American drivers who use them.
Rank
Company Name
Market Share %
CSAA (AAA Northern California)
Automobile Club Michigan (AAA)
Southern Farm Bureau
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The largest auto insurance companies are the ones you often hear about. Major players in the insurance industry include State Farm, Progressive, GEICO, Allstate, and USAA.
Take a look at several key features and benefits that the largest auto insurance companies are known for:
Company
Best for
Key Features
Unique Coverages
Rideshare insurance, emergency roadside service, rideshare driver
Snapshot program for usage-based insurance, tiered accident forgiveness coverage, pet injury coverage, disappearing deductibles
Roadside assistance, rental reimbursement
Accident forgiveness, deductible rewards, new car replacement, rideshare insurance
Mechanical breakdown insurance, emergency roadside service, rental reimbursement
From the NAIC rankings, these are the largest auto insurance companies that operate in specific regions or states:
The best regional auto insurance companies include the AAA, Auto-Owners, Erie, and Amica. While these companies don't operate nationwide, they hold some of the largest market shares in the U.S.
The table below lists popular regional insurers and their key characteristics:
Insurance Provider
Superlative
Key features
Unique Coverage Options
Availability
Best regional provider overall
Gap insurance, roadside assistance, rideshare driver, rental car reimbursement, full glass protection
48 states (unavailable in Alaska and Hawaii)
Best for roadside assistance
Rental car reimbursement, gap insurance, replacement cost coverage
50 states (Coverages and exclusions vary based on region)
Best for company reputation
First Accident Forgiveness, windshield repair, travel expenses, pet injury coverage
12 states and the District of Columbia
Best for high-risk drivers
Additional expense coverage, gap insurance, diminished value, rental car auto gap coverage
Business Insider has done the legwork in comparing auto insurance companies for you. Along with the best car insurance overall, we've also looked for the best cheap car insurance and the best car insurance for seniors. As you compare the options for your own needs, take the following into account.
Some factors you'll want to consider when comparing car insurance companies include the company's:
Online comparison tools gather quotes from different car insurance companies so you can compare them side-by-side. The process is simple. You'll be asked a few questions about your personal information, vehicle specifics, driving history, coverage needs, etc. So you want to have some documentation on hand, including your driver's license and a document with your vehicle's VIN (registration, title, previous insurance card, etc.).
After you input your information, the comparison tool will show you quotes from various companies that offer the coverage you need. You may need to finalize and purchase your policy on the insurer's website, but some websites let you buy directly from the comparison site.
Finding insurance as a high-risk driver may be more challenging. Fortunately, major car insurance players, like State Farm, Progressive, and GEICO, offer coverage for high-risk drivers, some even at a competitive rate.
These car insurance providers specialize in coverage for classic and antique cars. Leading companies in this space include American Collectors Insurance, Hagerty Insurance Agency, Safeco Insurance Group, State Farm Auto Insurance, and J.C. Taylor Insurance.
Building your car insurance policy is like building a house. The first step is to establish your foundation. This is your state minimum car insurance requirements in a car insurance policy. In general, you want your liability coverages to exceed your net worth.
The next step is to build your structure. Like your roof and windows, coverages like collision and comprehensive insurance protect your property from various risks. Other essential coverages depend on your situation.
The final step is to fortify your structure. Optional coverages, such as rental car reimbursement or roadside assistance, increase your protection. These depend on your driving habits and individual situation.
You can use several metrics to gauge a company's reputation and where you can find it, including:
After purchasing your policy, read through it to understand what it encompasses. These are several parts of your insurance policy you'll want to pay attention to.
Insurance companies must also add a key term definition section to their policies. Reading this could help you better understand your coverage's terms and conditions. If you still have questions, speak to your local insurance agent for assistance.
What should I look for in an auto insurance company? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Some things to look for in an auto insurance company include financial stability, customer service ratings, coverage options, discounts, and the ease of filing claims.
Are regional insurance companies better than national ones? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Regional companies aren't necessarily better than national ones, but it depends on your circumstances. These providers can offer more personalized service and better rates in specific areas, while national companies provide broader coverage options.
How can I find reviews for auto insurance companies? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
You can find reviews for auto insurance companies by checking online review sites, reading consumer reports, and asking friends and family for recommendations.
What is the benefit of using a comparison tool for auto insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
The benefit of auto insurance comparison tools is that they quickly compare quotes, coverage options, and customer reviews from multiple companies.
Can I switch auto insurance companies at any time? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
You can switch auto insurance companies at any time; most allow you to do it for free. But it's important to check if your insurer has cancellation fees. In that case, it's best to cancel near the end of your policy term.
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