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Insurers
The 100 largest U.S. auto insurers, ranked by 2025 premiums: contacts, ratings, discounts, history and the latest news on each.
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 1 | State FarmThe largest U.S. auto insurer, a policyholder-owned mutual sold through more than 19,000 captive agent offices, paying a $5 billion auto dividend in 2026. | National carriers | 18.61% | A+ (Superior) |
| 2 | ProgressiveOhio-based public insurer that sells online, by phone and through independent agents; known for Snapshot, Name Your Price and comparison quotes. | National carriers | 18.57% | A+ (Superior) |
| 3 | GEICOBerkshire Hathaway's direct-to-consumer auto insurer, sold online, by phone and in its app in every state, with low expenses and an A++ AM Best rating. | National carriers | 11.55% | A++ (Superior) |
| 4 | AllstatePublicly traded "Good Hands" insurer sold by exclusive agents, online and by phone, and owner of National General; offers Drivewise and pay-per-mile Milewise. | National carriers | 10.14% | A+ (Superior) |
| 5 | USAAMilitary-only insurer and bank for service members, veterans and their families; top J.D. Power scores, an A++ rating and SafePilot telematics. | Affinity and military insurers | 6.18% | A++ (Superior) |
| 6 | Farmers InsurancePolicyholder-owned reciprocal exchanges managed by Zurich-owned Farmers Group, sold through exclusive agents; also Bristol West, Foremost and 21st Century. | National carriers | 3.56% | A (Excellent) |
| 7 | Liberty MutualBoston-based mutual holding company selling auto direct, through its own agents and through independent agents; it retired the Safeco brand in April 2026. | National carriers | 2.80% | A (Excellent) |
| 8 | TravelersHartford-rooted public insurer that wrote the first U.S. auto policy in 1897 and sells car insurance mainly through independent agents. | National carriers | 1.93% | A++ (Superior) |
| 9 | AAA (Auto Club Enterprises)AAA insurance from the Southern California-led Auto Club Enterprises clubs, for members in about 20 states; top-ranked by J.D. Power in Texas in 2026. | AAA auto clubs | 1.90% | A+ (Superior) |
| 10 | American Family InsuranceMadison, Wisconsin mutual sold through exclusive agents in 19 states; offers DriveMyWay telematics and MilesMyWay low-mileage pricing. Sold The General in 2024. | Regional carriers | 1.53% | A (Excellent) |
| 11 | Erie InsurancePennsylvania-based reciprocal insurer sold only through independent agents in 12 states and D.C., known for Rate Lock and top J.D. Power scores. | Regional carriers | 1.42% | A (Excellent) |
| 12 | Auto-Owners InsuranceLansing, Michigan mutual founded in 1916 and sold only through independent agents in 26 states, with strong claims scores and no general telematics program. | Regional carriers | 1.39% | A+ (Superior) |
| 13 | AAA (CSAA Insurance Group)The AAA insurer for Northern California, the Mountain West and much of the Mid-Atlantic, selling only to AAA members in 23 states and D.C. | AAA auto clubs | 1.37% | A (Excellent) |
| 14 | NationwideColumbus, Ohio mutual founded by the Ohio Farm Bureau in 1926, now sold through independent agents and known for SmartRide and SmartMiles. | National carriers | 1.09% | A (Excellent) |
| 15 | Mercury InsuranceCalifornia's leading independent-agent auto insurer, founded by George Joseph in 1961 and now selling auto insurance in 11 states. | Regional carriers | 0.96% | A (Excellent) |
| 16 | Sentry Insurance (Dairyland, The General)Wisconsin mutual whose personal auto business is nonstandard: Dairyland, sold through agents, and The General, bought from American Family at the end of 2024. | Nonstandard and high-risk specialists | 0.83% | A+ (Superior) |
| 17 | KemperChicago-based specialty auto insurer selling Kemper Auto and Infinity policies through agents in 10 states, focused on nonstandard and Spanish-speaking drivers. | Nonstandard and high-risk specialists | 0.80% | A- (Excellent), negative outlook |
| 18 | AAA (The Auto Club Group)The AAA club group behind AAA car insurance in Michigan, Florida, the Upper Midwest and the Carolinas, sold only to AAA members. | AAA auto clubs | 0.71% | A (Excellent) |
| 19 | The HartfordConnecticut insurer founded in 1810 and, since 1984, the exclusive provider of auto insurance designed for AARP members. | Affinity and military insurers | 0.62% | A+ (Superior) |
| 20 | NJM InsuranceWest Trenton, New Jersey insurer founded in 1913 that sells auto insurance direct in five Mid-Atlantic states and tops J.D. Power claims rankings. | Regional carriers | 0.47% | — |
| 21 | AmicaThe oldest U.S. mutual auto insurer, a policyholder-owned direct writer from Rhode Island that tops J.D. Power's New England satisfaction rankings. | National carriers | 0.44% | A+ (Superior) |
| 22 | Shelter InsuranceA Missouri-based mutual sold by local agents in 14 central and southern states, ranked first in J.D. Power's Central region nine times. | Regional carriers | 0.43% | A (Excellent) |
| 23 | MAPFRE InsuranceThe U.S. arm of Spain's MAPFRE, sold by independent agents, and Massachusetts' largest auto insurer; it agreed in July 2026 to buy Safety Insurance. | Regional carriers | 0.43% | A (Excellent) |
| 24 | COUNTRY FinancialAn Illinois insurer founded by farmers in 1925 and tied to Illinois Farm Bureau, selling auto through local representatives in 19 states. | Regional carriers | 0.42% | A+ (Superior) |
| 25 | The HanoverA Worcester, Mass., insurer founded in 1852 that sells home-and-auto packages only through independent agents in 19 states, led by Michigan. | Regional carriers | 0.41% | A (Excellent) |
| 26 | Southern Farm Bureau CasualtyThe Mississippi-based insurer behind Farm Bureau auto policies in Arkansas, Colorado, Florida, Louisiana, Mississippi and South Carolina. | Farm Bureau insurers | 0.39% | A (Excellent) |
| 27 | MarkelA Virginia specialty insurer whose auto premium comes mostly from Hagerty's collector-car policies, which its Essentia unit issues and since 2026 fronts. | Program carriers and fronting insurers | 0.38% | A (Excellent) |
| 28 | Alfa InsuranceThe Alabama Farmers Federation's insurer, a Montgomery-based mutual selling auto through local agents in Alabama, Georgia and Mississippi since 1946. | Farm Bureau insurers | 0.38% | A (Excellent) |
| 29 | Root InsuranceA Columbus, Ohio, app-based insurer that prices car insurance largely on a smartphone test drive, sold direct, through partners and agents in 37 states. | Digital and insurtech insurers | 0.33% | — |
| 30 | Cincinnati InsuranceAn Ohio insurer founded by four agents in 1950 that sells home-and-auto accounts only through independent agencies in 45 states, with an A+ AM Best rating. | National carriers | 0.33% | A+ (Superior) |
| 31 | ChubbGlobal insurer whose U.S. auto business is built for high-net-worth households, with agreed-value cover, OEM parts and very high liability limits. | High-net-worth and specialty insurers | 0.30% | A++ (Superior) |
| 32 | Texas Farm Bureau InsuranceWaco-based Farm Bureau insurer selling auto, home and farm coverage only in Texas through about 850 agents in some 300 county offices. | Farm Bureau insurers | 0.30% | — |
| 33 | Farm Bureau Insurance of TennesseeTennessee-only Farm Bureau insurer, founded by farmers in 1948, selling auto, home and life cover through local agents; rated A+ by AM Best. | Farm Bureau insurers | 0.29% | A+ (Superior) |
| 34 | Incline P&C GroupAustin-based fronting and program carrier whose companies issue auto policies for independent MGAs; drivers buy from the MGA, not from Incline. | Program carriers and fronting insurers | 0.28% | A- (Excellent) |
| 35 | North Carolina Farm Bureau InsuranceRaleigh-based policyholder-owned mutual, founded in 1953, that sells auto, home and farm insurance only in North Carolina through agents in all 100 counties. | Farm Bureau insurers | 0.28% | A- (Excellent) |
| 36 | Tesla InsuranceTesla's in-house auto insurance, sold in the Tesla app in 15 states and priced monthly from each car's Safety Score outside California. | Digital and insurtech insurers | 0.28% | — |
| 37 | Plymouth Rock AssuranceBoston-based Northeast insurer founded in 1982, selling auto and home cover in six states through independent agents and direct, known for its claim services. | Regional carriers | 0.25% | A- (Excellent) |
| 38 | Old American County Mutual (Orpheus Group)Fronting carrier group behind many Texas nonstandard auto policies; MGAs sell and service the coverage on Old American County Mutual paper. | Program carriers and fronting insurers | 0.25% | — |
| 39 | Home State Insurance GroupWaco-based county mutual that issues Texas auto policies for dozens of MGAs and carriers, plus Equity Insurance, an Oklahoma nonstandard auto brand. | Program carriers and fronting insurers | 0.25% | — |
| 40 | Aspire General InsuranceCalifornia-based nonstandard auto insurer, founded in 2013, selling low-down-payment policies through independent brokers in California, Arizona and Texas. | Nonstandard and high-risk specialists | 0.24% | — |
| 41 | Kentucky Farm Bureau InsuranceKentucky-only mutual tied to the state Farm Bureau, selling auto, home and farm coverage through agents in all 120 counties since 1943. | Farm Bureau insurers | 0.24% | A- (Excellent) |
| 42 | Farm Bureau Financial ServicesIowa-based Farm Bureau brand writing auto, home and farm coverage in eight Midwest and Western states through exclusive agents, with Driveology telematics. | Farm Bureau insurers | 0.22% | A (Excellent) |
| 43 | Fred Loya InsuranceEl Paso-based seller of low-cost, often minimum-limit auto policies through 800-plus storefront offices in about a dozen Sun Belt and Midwest states. | Nonstandard and high-risk specialists | 0.22% | — |
| 44 | Palisades (Plymouth Rock Assurance in New Jersey)New Jersey reciprocal insurance group, managed by Plymouth Rock, that underwrites Plymouth Rock Assurance auto policies in NJ, PA, NY and CT. | Regional carriers | 0.21% | A- (Excellent) |
| 45 | NYCM InsuranceFamily-managed New York mutual founded in 1899, selling auto, home and umbrella coverage only in New York through about 1,000 independent agents. | Regional carriers | 0.21% | A (Excellent) |
| 46 | Safety InsuranceBoston-based insurer selling auto and home coverage in Massachusetts, New Hampshire and Maine through independent agents; MAPFRE agreed to buy it in 2026. | Regional carriers | 0.19% | A (Excellent) |
| 47 | PURE InsuranceMember-owned high-net-worth insurer, part of Japan's Tokio Marine group, insuring luxury, everyday and collector cars for owners of $1 million-plus homes. | High-net-worth and specialty insurers | 0.18% | A (Excellent) |
| 48 | Arbella InsuranceQuincy, Massachusetts, mutual founded in 1988 that sells auto, home and business coverage in New England exclusively through independent agents. | Regional carriers | 0.17% | A (Excellent) |
| 49 | Grange InsuranceColumbus, Ohio, mutual founded by Ohio State Grange members in 1935, selling auto, home and business coverage through independent agents in 13 states. | Regional carriers | 0.16% | A (Excellent) |
| 50 | Farm Bureau Insurance of MichiganMichigan-only Farm Bureau insurer founded in 1949, selling auto, home, farm and life coverage through about 450 agents, with FB Drives Michigan telematics. | Farm Bureau insurers | 0.16% | A- (Excellent) |
| 51 | Consumers County MutualA Dallas county mutual whose name is on Travelers' Texas auto policies. Travelers sells and services the coverage; CCM is the licensed insurer on paper. | Program carriers and fronting insurers | 0.16% | — |
| 52 | First Acceptance InsuranceNashville nonstandard auto insurer controlled by investor Gerald J. Ford, selling through independent agents in 15 states since it sold its stores in 2023. | Nonstandard and high-risk specialists | 0.16% | C++ (Marginal) |
| 53 | Horace MannSpringfield, Illinois insurer started by two teachers in 1945 that sells auto, home and life coverage to educators, with an Educator Advantage package. | Affinity and military insurers | 0.13% | A (Excellent) |
| 54 | United Automobile Insurance CompanyFamily-owned Miami Gardens insurer selling low-cost auto policies, nearly all in Florida, via independent agents. A 2025 state exam found reserves short. | Nonstandard and high-risk specialists | 0.13% | — |
| 55 | AssuranceAmericaAtlanta nonstandard auto insurer founded in 1999 and private since 2013. It sells through more than 9,500 independent agents in 13 states, with no credit check. | Nonstandard and high-risk specialists | 0.13% | — |
| 56 | Westfield InsuranceOhio insurer founded by farmers in 1848 that sells auto and home coverage through independent agents in nine states, often combined in one WesPak policy. | Regional carriers | 0.13% | A (Excellent) |
| 57 | Indiana Farm Bureau InsuranceIndianapolis insurer set up by Indiana Farm Bureau in 1934 that sells auto, home and farm coverage only in Indiana through 430+ agents. Membership is required. | Farm Bureau insurers | 0.12% | A (Excellent) |
| 58 | Acuity InsuranceSheboygan, Wisconsin mutual in business since 1925 that sells business, home and auto insurance through independent agents in more than 30 states. | Regional carriers | 0.11% | A+ (Superior) |
| 59 | Safeway InsuranceFamily-owned Westmont, Illinois auto insurer founded in 1959 that sells low-cost policies through agents in 12 states, including to drivers new to the U.S. | Nonstandard and high-risk specialists | 0.10% | A (Excellent) |
| 60 | PEMCO InsuranceSeattle mutual founded in 1949 that sells car and home insurance only in Washington and Oregon; J.D. Power's top Northwest auto insurer eight times. | Regional carriers | 0.10% | — |
| 61 | GoAuto InsuranceBaton Rouge low-cost auto insurer founded in 2009 that sells no-frills policies direct, online and in storefront offices, in eight Southern and Western states. | Nonstandard and high-risk specialists | 0.09% | — |
| 62 | West Bend InsuranceWisconsin mutual founded in 1894 that sells auto, home and business insurance only through independent agents, with personal auto in six states. | Regional carriers | 0.09% | A (Excellent) |
| 63 | Warrior Insurance NetworkChicago-area group behind First Chicago, United Security and West Virginia National, selling auto policies through independent agents in about 15 states. | Nonstandard and high-risk specialists | 0.09% | — |
| 64 | American National (Farm Family)Brookfield-owned property and casualty arm of Texas-founded American National, now rebranding as Farm Family; sells auto, farm and business coverage via agents. | Regional carriers | 0.08% | A (Excellent) |
| 65 | Georgia Farm Bureau InsuranceMacon-based mutual set up by the Georgia Farm Bureau federation in the late 1950s; sells auto, home and farm coverage to members from offices in 158 counties. | Farm Bureau insurers | 0.08% | — |
| 66 | Universal Insurance (Puerto Rico)Guaynabo-based insurer of Universal Group that calls itself Puerto Rico's largest auto insurer, selling annual, double-interest and liability auto policies. | Puerto Rico insurers | 0.08% | A- (Excellent) |
| 67 | Agency Insurance CompanyHanover, Maryland, auto insurer selling personal, commercial and motorcycle coverage through independent agents in MD, PA, TN and VA since 1990. | Regional carriers | 0.08% | A- (Excellent) |
| 68 | Seguros MúltiplesPuerto Rico insurance cooperative owned by about 150 local cooperatives, in business since 1965 and selling auto, home and business coverage island-wide. | Puerto Rico insurers | 0.07% | A (Excellent) |
| 69 | Private Client Select (AIG)AIG's former Private Client Group, spun into the independent agency Private Client Select in 2023; writes high-net-worth auto on AIG paper via brokers. | High-net-worth and specialty insurers | 0.07% | A (Excellent) |
| 70 | California CasualtyFamily-led insurer founded in 1914 that sells group-endorsed auto and home coverage to educators, first responders and nurses in seven Western states. | Affinity and military insurers | 0.07% | B+ (Good) |
| 71 | North Star MutualA Minnesota mutual founded in 1920 that sells auto, farm, home and business insurance through independent agents in eight Midwest and Plains states. | Regional carriers | 0.07% | A+ (Superior) |
| 72 | Grinnell MutualAn Iowa reinsurer of farm mutuals, founded in 1909, that also sells Grinnell Compass auto policies through independent agents in 12 Midwest states. | Regional carriers | 0.07% | A (Excellent) |
| 73 | Penn National InsuranceA Harrisburg, Pennsylvania mutual founded in 1919 that sells auto, home and business insurance through about 1,200 independent agencies in 13 states. | Regional carriers | 0.07% | A (Excellent) |
| 74 | FMNE InsuranceFormerly Farmers Mutual of Nebraska, a Lincoln-based mutual dating to 1891 that sells auto, farm and home insurance via independent agents in NE, SD and ND. | Regional carriers | 0.07% | A (Excellent) |
| 75 | Donegal Insurance GroupA Marietta, Pennsylvania insurer dating to 1889 whose mutual and Nasdaq-listed affiliates sell auto, home and business coverage through independent agents. | Regional carriers | 0.06% | A (Excellent) |
| 76 | Frankenmuth InsuranceA Michigan insurer founded in 1868 that sells personal auto in Michigan and Ohio, and through subsidiary Patriot in three New England states, via agents. | Regional carriers | 0.06% | A (Excellent) |
| 77 | CURE Auto InsuranceA Princeton, N.J., reciprocal exchange founded in 1990 that sells car insurance direct in NJ, PA and Michigan, pricing mainly on driving record, not credit. | Regional carriers | 0.06% | — |
| 78 | Virginia Farm Bureau InsuranceThe Virginia Farm Bureau's insurer, founded in 1950, sells auto coverage to members ($40 a year) through local agents statewide, with Drive2Save telematics. | Farm Bureau insurers | 0.06% | A (Excellent) |
| 79 | Utica NationalA New York mutual founded in 1914 as a workers' comp insurer that now sells auto, home and business insurance through independent agents. | Regional carriers | 0.06% | A (Excellent) |
| 80 | American Modern Insurance Group (Munich Re)Munich Re's U.S. specialty personal lines arm, insuring collector cars, motorcycles, ATVs, boats and manufactured homes through agents in all 50 states. | High-net-worth and specialty insurers | 0.06% | A+ (Superior) |
| 81 | Ocean Harbor InsuranceA Florida-focused home and auto insurer whose basic-limits auto policies are sold by independent agents through managing general agent Pearl Holding Group. | Nonstandard and high-risk specialists | 0.06% | — |
| 82 | Bear River MutualUtah's oldest mutual property-casualty insurer, founded in 1909, selling auto and home coverage only in Utah through independent agents. | Regional carriers | 0.06% | A- (Excellent) |
| 83 | Missouri Farm Bureau InsuranceThe insurance arm affiliated with Missouri Farm Bureau, selling auto, home, farm and life coverage only in Missouri through agents in every county. | Farm Bureau insurers | 0.06% | A- (Excellent) |
| 84 | Western National InsuranceA Minnesota mutual group founded in 1900, selling auto through independent agents in the Upper Midwest and Alaska, plus nonstandard auto via American Freedom. | Regional carriers | 0.06% | A+ (Superior) |
| 85 | Selective InsuranceA New Jersey commercial insurer founded in 1926 whose smaller personal lines unit sells auto and home in 15 states through independent agents. | Regional carriers | 0.05% | A+ (Superior) |
| 86 | Mendota Insurance (Citadel Partners Group)The NAIC group behind Mendota Insurance, a Nashville-area nonstandard auto insurer sold through independent agents to drivers other carriers turn away. | Nonstandard and high-risk specialists | 0.05% | — |
| 87 | Idaho Farm Bureau InsuranceIdaho's Farm Bureau insurer, founded in 1947 and the state's third-largest auto writer, now also selling in Washington through Western Community Insurance. | Farm Bureau insurers | 0.05% | A (Excellent) |
| 88 | Elephant InsuranceA Virginia-based direct auto insurer launched by the UK's Admiral Group in 2009 and sold to private equity firm J.C. Flowers at the end of 2025. | Digital and insurtech insurers | 0.05% | — |
| 89 | Fortegra (formerly Tiptree)A Jacksonville specialty insurer sold by Tiptree to DB Insurance in 2026; its auto premium is mostly lender-related physical damage cover, not driver policies. | Program carriers and fronting insurers | 0.05% | A (Excellent) |
| 90 | Germania InsuranceA Texas-only, member-owned farm mutual founded in 1896, selling auto, home, farm and life coverage through local agents from its Brenham home office. | Regional carriers | 0.04% | — |
| 91 | Traders InsuranceA privately owned Kansas City auto insurer founded in 1976 that sells budget and nonstandard car insurance through independent agents in five Midwest states. | Nonstandard and high-risk specialists | 0.04% | — |
| 92 | Berkley OneW. R. Berkley's personal lines insurer for high-net-worth households, selling auto, home and collector car coverage through select independent agents. | High-net-worth and specialty insurers | 0.04% | A+ (Superior) |
| 93 | Goodville MutualA Mennonite-founded mutual from New Holland, Pennsylvania, selling auto, home, farm and church insurance through independent agents in eight states. | Regional carriers | 0.04% | A (Excellent) |
| 94 | Ohio Mutual Insurance GroupA Bucyrus, Ohio, mutual founded in 1901 that sells auto, home and farm insurance through independent agents in Ohio, Indiana and five New England states. | Regional carriers | 0.04% | A (Excellent) |
| 95 | Quincy MutualA Massachusetts mutual founded in 1851 that sells auto and home insurance through independent agents in Massachusetts, Connecticut, Rhode Island and Maine. | Regional carriers | 0.04% | A+ (Superior) |
| 96 | Oklahoma Farm Bureau InsuranceOklahoma's Farm Bureau insurer, a mutual founded in 1946 that sells auto, home and farm coverage to Farm Bureau members through agents in all 77 counties. | Farm Bureau insurers | 0.04% | B++ (Good) |
| 97 | Central InsuranceA Van Wert, Ohio, mutual insurer founded in 1876 that sells Signature and Summit auto policies through independent agents in 27 states. | Regional carriers | 0.04% | A (Excellent) |
| 98 | N&D Union Mutual Insurance GroupTwo affiliated New England mutuals: Norfolk & Dedham, selling auto insurance in Massachusetts, and Union Mutual, selling it in Vermont, New Hampshire and Maine. | Regional carriers | 0.04% | A (Excellent) |
| 99 | Encova InsuranceA Columbus, Ohio, mutual group formed by Motorists and BrickStreet that sells auto, home and business insurance through independent agents. | Regional carriers | 0.04% | A (Excellent) |
| 100 | Anchor General InsuranceA privately owned San Diego insurer that sells nonstandard auto liability and physical damage coverage through agents in California, Arizona and Texas. | Nonstandard and high-risk specialists | 0.04% | B+ (Good) |
| — | Branch InsuranceA Columbus, Ohio, insurtech that bundles home and auto insurance in minutes from just a name and address, via its own reciprocal exchange. Not in California. | Digital and insurtech insurers | — | — |
| — | Bristol WestFarmers-owned nonstandard auto insurer, founded in Florida in 1973 and sold through agents and brokers in 43 states to drivers with tickets, DUIs or no credit. | Nonstandard and high-risk specialists | — | A (Excellent), positive outlook |
| — | ClearcoverA Chicago app-based car insurer founded in 2016, open for new business in 18 states and known for fast AI-assisted claims and built-in discounts. | Digital and insurtech insurers | — | — |
| — | Direct Auto InsuranceNonstandard auto brand sold in 450+ storefronts in 12 mostly Southern states, by phone and online; owned by Allstate through National General. | Nonstandard and high-risk specialists | — | — |
| — | EsuranceOne of the first online-only car insurers, founded in San Francisco in 1999 and bought by Allstate in 2011. Allstate phased the brand out in 2020. | Digital and insurtech insurers | — | — |
| — | HagertyMichigan collector-car insurance agency and enthusiast brand whose U.S. policies are issued mainly by Markel's Essentia Insurance Company. | High-net-worth and specialty insurers | — | A (Excellent) for Essentia Insurance Company |
| — | HugoA West Hollywood online agency selling six-month liability-only car insurance paid by the day, week or month, with no down payment, in 19 states. | Digital and insurtech insurers | — | — |
| — | Infinity InsuranceKemper-owned nonstandard auto name, now a Spanish-bilingual agency in 11 states that places drivers with Kemper Auto and other carriers. | Nonstandard and high-risk specialists | — | A- (Excellent), negative outlook (Infinity insurance companies, as members of Kemper Property & Casualty Group) |
| — | LemonadeA New York app-based insurer selling car insurance priced partly on mileage and phone telematics in 12 states; owner of pay-per-mile pioneer Metromile. | Digital and insurtech insurers | — | — |
| — | MetromileThe San Francisco pay-per-mile car insurer Lemonade bought in 2022; its brand is being retired, and Metromile Insurance Company now issues Lemonade policies. | Digital and insurtech insurers | — | — |
| — | Mile AutoAn Atlanta managing general agent selling pay-per-mile car insurance that tracks mileage from monthly odometer photos instead of a device, in nine states. | Digital and insurtech insurers | — | — |
| — | Mountain West Farm Bureau InsuranceThe Farm Bureau insurer for Wyoming and Montana, founded in Laramie in 1948 and since September 2026 owned by Idaho Farm Bureau's holding company. | Farm Bureau insurers | — | B++ (Good), under review with positive implications |
| — | Mutual of EnumclawA Washington mutual founded by farmers in 1898, selling home, auto, business and farm insurance only through independent agents in seven Western states. | Regional carriers | — | A- (Excellent) |
| — | National GeneralAllstate's independent-agent brand, the former GMAC Insurance, writing nonstandard and standard auto; Allstate bought it for $4 billion in 2021. | Nonstandard and high-risk specialists | — | — |
| — | Safeco InsuranceSeattle-born independent-agent insurer owned by Liberty Mutual since 2008; the brand was retired April 25, 2026 and its policies are now Liberty Mutual. | National carriers | — | — |
| — | The GeneralNashville-based nonstandard auto brand known for Shaquille O'Neal ads, owned by Sentry Insurance since Sentry bought it from American Family at the end of 2024. | Nonstandard and high-risk specialists | — | A+ (Superior) |
Ranked by 2025 U.S. private passenger auto direct premiums written, from NAIC market share data. NAIC groups combine affiliated companies, so a group may sell under several brand names.