National carriers

• National carriers 11
• AAA auto clubs 3
• Regional carriers 40
• Farm Bureau insurers 15
• Affinity and military insurers 4
• Nonstandard and high-risk specialists 19
• Digital and insurtech insurers 10
• High-net-worth and specialty insurers 6
• Puerto Rico insurers 2
• Program carriers and fronting insurers 6

#	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)
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)
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)
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)
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)
—	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	—	—

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.