Install
Tickets and DUIs insurers
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 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 |
| 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% | — |
| 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% | — |
| 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) |
| 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% | — |
| 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) |
| 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% | — |
| 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% | — |
| 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% | — |
| 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) |
| — | 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 |
| — | 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 | — | — |
| — | 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) |
| — | 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 | — | — |
| — | 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.