Cheap Coverage insurers

Latest coverage of this topic All insurers

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
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%	—

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.