Quick answer: By market share, the largest car insurance groups in the USA are State Farm, Progressive, GEICO (part of Berkshire Hathaway), Allstate and USAA, followed by Farmers, Liberty Mutual, Travelers and American Family. Nationwide is also a major national insurer. State Farm and Progressive are almost level at the top, each with about 18.6% of private passenger auto premiums in 2025, according to the National Association of Insurance Commissioners (NAIC). The best insurer for you is the one that gives the coverage you need at a fair price in your state, so compare quotes with identical limits.
An earlier version of this article said GEICO was the second-largest car insurer and gave policyholder numbers for each company that we could not verify. NAIC’s latest market share data shows Progressive has overtaken GEICO, so we have replaced the policyholder figures with NAIC’s 2025 market shares. We have also removed blanket claims that every company has “an excellent reputation for customer service”, because that is a judgement, not a fact.
How we chose and what the numbers mean
We kept the ten companies from the original article and added each group’s share of US private passenger auto insurance premiums written in 2025, from NAIC’s market share report published in 2026. Market share measures size, not quality or price. A large insurer is not automatically the cheapest or the best at handling claims in your area.
Largest US car insurers by market share
| NAIC rank (2025) | Insurance group | Share of private passenger auto premiums |
|---|---|---|
| 1 | State Farm | 18.64% |
| 2 | Progressive | 18.60% |
| 3 | Berkshire Hathaway (GEICO) | 11.56% |
| 4 | Allstate | 10.15% |
| 5 | USAA | 6.19% |
| 6 | Farmers | 3.57% |
| 7 | Liberty Mutual | 2.81% |
| 8 | Travelers | 1.93% |
| 10 | American Family | 1.53% |
| 14 | Nationwide | 1.10% |
Rank 9 in NAIC’s 2025 list is Auto Club Enterprises, a group of AAA-affiliated insurers, which was not in our original list.
The ten insurers in detail
State Farm
State Farm is the largest US car insurance group, with 18.64% of private passenger auto premiums in 2025, according to NAIC. It sells through a large network of local agents and offers liability, collision and comprehensive cover, with discounts for safe driving, multiple vehicles and bundling with home insurance. Its Drive Safe & Save programme can lower premiums based on how you drive.
GEICO
GEICO is owned by Berkshire Hathaway, whose insurance group held 11.56% of the market in 2025. That makes it the third-largest group, not the second, as our original article said. GEICO is known for selling directly online and by phone. It offers the standard coverages and discounts such as good student, military and multi-vehicle discounts.
Progressive
Progressive is now the second-largest US car insurance group, with 18.60% of premiums in 2025, just behind State Farm. It sells online, by phone and through independent agents. Its Snapshot programme uses your driving data to set part of your rate, and its Name Your Price tool shows coverage options for a target budget.
Allstate
Allstate is the fourth-largest group, with 10.15% of premiums in 2025. It offers the usual coverages and discounts for safe driving, bundling and good students. Its Drivewise programme rewards safe driving. Allstate also owns other brands, including National General; it stopped selling new policies under the Esurance brand in 2023.
USAA
USAA serves current and former members of the US military and their eligible family members. It ranked fifth with 6.19% of premiums in 2025. If you are not eligible for membership, you cannot buy its car insurance. USAA offers the standard coverages and discounts, including for safe driving and bundling, and its SafePilot programme rewards safe driving.
Nationwide
Nationwide is a national insurer that sells through agents and online. It ranked 14th in NAIC’s 2025 private passenger auto list with 1.10% of premiums, so it is smaller in car insurance than its name suggests. It offers standard coverages, discounts for safe driving and bundling, and the SmartRide programme for usage-based savings.
Farmers
Farmers ranked sixth with 3.57% of premiums in 2025. It sells through exclusive agents, and its Foremost and Bristol West companies reach other customers through independent agents. Farmers’ Signal programme, mentioned in the original article, uses a smartphone app to reward safe driving.
Liberty Mutual
Liberty Mutual ranked seventh with 2.81% of premiums in 2025. Its RightTrack programme uses driving data to offer discounts. In April 2026, Liberty Mutual retired its Safeco brand, so policies sold by independent agents under the Safeco name are now sold as Liberty Mutual.
Travelers
Travelers ranked eighth with 1.93% of premiums in 2025 and sells mainly through independent agents. Its IntelliDrive programme, mentioned in the original article, uses a phone app to measure driving behaviour. Travelers has also launched IntelliDrive 365 in a limited number of states.
American Family Insurance
American Family ranked tenth with 1.53% of premiums in 2025. Its KnowYourDrive programme gives a discount for enrolling and can increase it based on how safely you drive, according to the company. American Family operates in fewer states than the national insurers, so check availability where you live.
Factors to consider when choosing a car insurance company
- Coverage options: start with your state’s minimum liability limits, then decide whether you need higher limits, collision, comprehensive, uninsured motorist cover, rental reimbursement or roadside help. A lender usually requires collision and comprehensive on a financed car.
- Price: get at least three quotes with the same limits and deductibles. Prices for the same driver can vary widely between companies.
- Discounts: ask about safe driving, bundling, multiple vehicles, good student, defensive driving courses and usage-based programmes. Usage-based programmes can raise your rate in some states if your driving data is poor, so read the terms.
- Customer service and claims: look up complaint data through the NAIC’s Consumer Insurance Search tool and your state insurance department.
- Financial strength: agencies such as AM Best, Moody’s and S&P Global publish ratings of an insurer’s ability to pay claims.
Almost every state requires drivers to carry at least liability insurance. New Hampshire is the well-known exception: drivers there must instead be able to show they can pay for damage they cause. Virginia ended its option to pay a fee instead of buying insurance on 1 July 2024.
If you also ride, see our guide to top motorcycle insurance companies in the USA. For other family cover, see major US life insurance companies. If you run a business from home, our guide to insurance for a home business explains what a personal policy may not cover.
This article is general information, not insurance advice. Rates, discounts and requirements vary by state; check the insurer’s policy documents and your state insurance department before you buy.
Frequently asked questions
Which is the largest car insurance company in the USA?
State Farm, with 18.64% of private passenger auto premiums in 2025 according to NAIC. Progressive was a very close second at 18.60%.
Is GEICO still the second-largest car insurer?
No. Progressive moved ahead of GEICO. In NAIC’s 2025 data, Berkshire Hathaway’s group, which includes GEICO, was third with 11.56%.
Who can buy USAA car insurance?
USAA membership is open to current and former members of the US military and certain family members. Others cannot buy USAA car insurance.
Do usage-based programmes always save money?
Not always. They reward safe driving, but in some states and with some insurers, risky driving data can lead to a higher rate. Read the programme terms before you enrol.
Is car insurance compulsory in every state?
Almost. New Hampshire does not require car insurance, but drivers must be able to show financial responsibility after a crash. Every other state requires at least liability cover.
Checked in October 2026 against NAIC’s 2025 Property and Casualty Market Share report (private passenger auto, published 2026), the insurers’ own programme pages, Liberty Mutual’s April 2026 Safeco announcement and the Virginia DMV’s July 2024 notice of new laws.
