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Digital and insurtech insurers
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 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% | — |
| 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% | — |
| 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% | — |
| — | 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 | — | — |
| — | 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 | — | — |
| — | 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 | — | — |
| — | 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 | — | — |
| — | 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 | — | — |
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.