This directory lists the top national and regional auto insurers across the United States, updated for 2025. Each profile includes quick stats, average premiums, key features, and direct contact details to help drivers compare coverage options and find the most affordable, reliable car insurance companies available.
State Farm Insurance
- Founded: 1922
- Headquarters: Bloomington, Illinois
- States Available: All 50 states + D.C.
- Best For: Most Drivers, Local Agents
- Average Annual Premium: $1,670 full coverage / $342 liability
State Farm is the largest auto insurer in the United States with 18-19% market share, serving over 80 million customers. Known for excellent customer service ratings with 30% fewer complaints than industry averages, State Farm offers personalized service through its network of 19,000+ local agents nationwide. The company excels in both affordability and reliability, with rates typically 18% below average major insurers.
Key Features
✓ SR-22 filing available in all states ✓ DUI and high-risk coverage offered ✓ Online quotes and account management ✓ Mobile app with Drive Safe & Save ✓ 24/7 claims service ✓ Roadside assistance available
- Phone: 1-800-STATE-FARM (1-800-782-8332)
- Website: www.statefarm.com
- Claims: 1-800-732-5246
- Hours: 24/7
Progressive Insurance
- Founded: 1937
- Headquarters: Mayfield Village, Ohio
- States Available: All 50 states + D.C.
- Best For: High-Risk Drivers, DUI Coverage, SR-22
- Average Annual Premium: $1,500-$1,800 full coverage
Progressive is the second-largest auto insurer in the US with 17% market share, specializing in high-risk drivers and those with less-than-perfect records. The company consistently offers competitive rates for DUI offenders and leads the industry in 21 states. Progressive’s innovative tools like Name Your Price and Snapshot telematics provide meaningful discounts for safe drivers.
Key Features
✓ SR-22 filing available in all states ✓ Industry leader for DUI and high-risk coverage ✓ Instant online quotes with comparison shopping ✓ Snapshot usage-based insurance (save up to 30%) ✓ 24/7 claims service ✓ Roadside assistance include
- Phone: 1-800-PROGRESSIVE (1-800-776-4737)
- Website: www.progressive.com
- Claims: 1-800-274-4499
- Hours: 24/7
GEICO Insurance
- Founded: 1936
- Headquarters: Chevy Chase, Maryland (Berkshire Hathaway)
- States Available: All 50 states + D.C.
- Best For: Affordability, Military Discounts, Digital Experience
- Average Annual Premium: $2,275 full coverage / $492 liability
GEICO ranks as the third-largest auto insurer with 12-13% market share and is renowned for competitive pricing and extensive discount offerings. The company excels in digital tools and customer satisfaction, receiving fewer complaints than average from the NAIC. GEICO offers up to 15% military discounts and serves over 500 professional organizations with affinity savings.
Key Features
✓ ✓ SR-22 filing available ✓ High-risk and DUI coverage ✓ Instant online quotes (15 minutes or less) ✓ Highly-rated mobile app ✓ 24/7 claims and customer service ✓ Roadside assistance and rental coverage
- Phone: 1-800-861-8380
- Website: www.geico.com
- Claims: 1-800-841-3000
- Hours: 24/7
Allstate Insurance
- Founded: 1931
- Headquarters: Northbrook, Illinois
- States Available: All 50 states
- Best For: Comprehensive Coverage, Accident Forgiveness
- Average Annual Premium: $2,016 full coverage (higher than average)
Allstate is the fourth-largest auto insurer with extensive coverage options and the well-known “You’re in Good Hands” brand promise. While rates run higher than competitors at an average of $168/month, the company offers robust protection including accident forgiveness and new car replacement. Allstate’s Drivewise telematics program provides usage-based discounts.
Key Features
✓ SR-22 filing available ✓ DUI coverage offered ✓ Online quotes and management ✓ Drivewise telematics app ✓ 24/7 claims hotline ✓ Roadside assistance available
- Phone: 1-877-810-2920
- Website: www.allstate.com
- Claims: 1-800-726-6033
- Hours: 24/7
USAA Insurance
- Founded: 1922
- Headquarters: San Antonio, Texas
- States Available: All 50 states (military members & families only)
- Best For: Military Members, Veterans, Customer Service
- Average Annual Premium: $1,465 full coverage / $342 liability
USAA exclusively serves military members, veterans, and their families, holding 6% market share despite limited eligibility. The company consistently earns exceptional ratings from J.D. Power across all regions and offers the lowest average rates among major insurers. USAA provides up to 60% discounts for deployed service members who store vehicles and 15% savings for on-base garaging.
Key Features
✓ SR-22 filing available ✓ High-risk coverage for eligible members ✓ Online quotes and full digital access ✓ Award-winning mobile app ✓ 24/7 claims and support ✓ Roadside assistance included
- Phone: 1-800-531-USAA (1-800-531-8722)
- Website: www.usaa.com
- Claims: 1-800-531-8722
- Hours: 24/7
Liberty Mutual Insurance
- Founded: 1912
- Headquarters: Boston, Massachusetts
- States Available: All 50 states + D.C.
- Best For: Bundling Multiple Policies
- Average Annual Premium: $2,200+ full coverage
Liberty Mutual ranks sixth-largest nationally, offering extensive bundling options that can save up to $950 annually when combining home and auto policies. The company provides unique features like deductible funds and lifetime repair guarantees. Military members receive up to 12% discounts through the Military Connect program, and affinity discounts serve numerous professional organizations.
- Phone: 1-800-290-7933
- Website: www.libertymutual.com
- Claims: 1-800-362-4145
- Hours: 24/7
Farmers Insurance
- Founded: 1928
- Headquarters: Los Angeles, California
- States Available: All 50 states
- Best For: Unique Coverage Options, Commercial Insurance
- Average Annual Premium: $1,900-$2,400 full coverage
Farmers ranks among the top 10 insurers, known for specialized coverage options and personalized service through independent agents. The company offers military affinity discounts for veterans and unique programs for young drivers including shared family car discounts. Farmers provides comprehensive business insurance options for veteran entrepreneurs.
Key Features
✓ SR-22 filing available ✓ DUI coverage programs ✓ Online and agent-based quotes ✓ Signal telematics program ✓ 24/7 claims assistance ✓ Roadside assistance available
- Phone: 1-888-327-6335
- Website: www.farmers.com
- Claims: 1-800-435-7764
- Hours: 24/7
Travelers Insurance
- Founded: 1853
- Headquarters: New York City, New York
- States Available: All 50 states + D.C.
- Best For: Bundling Discounts, Business Insurance
- Average Annual Premium: $1,400-$2,000 full coverage
Travelers is one of America’s oldest insurance companies with strong financial stability (A++ AM Best rating). The company offers competitive bundling discounts and specialized coverage for classic cars and high-value vehicles. IntelliDrive telematics can save up to 30%, and the company provides excellent military discounts and veteran-specific programs.
Key Features
✓ SR-22 filing available ✓ High-risk coverage offered ✓ Online quotes and management ✓ IntelliDrive telematics program ✓ 24/7 claims service ✓ Roadside assistance included
- Phone: 1-800-842-5075
- Website: www.travelers.com
- Claims: 1-800-252-4633
- Hours: 24/7
Nationwide Insurance
- Founded: 1926
- Headquarters: Columbus, Ohio
- States Available: All 50 states + D.C.
- Best For: Accident Forgiveness, Multiple Vehicle Discounts
- Average Annual Premium: $1,900-$2,300 full coverage
Nationwide ranks among the top 10 auto insurers with strong customer satisfaction ratings and comprehensive coverage options. The company offers vanishing deductibles, gap insurance, and better car replacement coverage. SmartRide telematics provides usage-based discounts, and the company serves military members with competitive rates and special benefits.
Key Features
✓ SR-22 filing available ✓ DUI and high-risk coverage ✓ Online quotes and account management ✓ SmartRide telematics program ✓ 24/7 claims service ✓ Roadside assistance available
- Phone: 1-877-669-6877
- Website: www.nationwide.com
- Claims: 1-800-421-3535
- Hours: 24/7
American Family Insurance
- Founded: 1927
- Headquarters: Madison, Wisconsin
- States Available: 19 states
- Best For: Midwest Drivers, Bundling Options
- Average Annual Premium: $1,600-$2,000 full coverage
American Family is a regional insurer with strong presence in the Midwest, known for personalized service through local agents and competitive rates in its operating states. The company offers KnowYourDrive telematics for usage-based discounts and provides comprehensive bundling options. Military members receive special discounts and deployment benefits.
Key Features
✓ SR-22 filing in available states ✓ High-risk driver coverage ✓ Online and agent quotes ✓ KnowYourDrive telematics ✓ 24/7 claims service ✓ Roadside assistance options
- Phone: 1-800-692-6326
- Website: www.amfam.com
- Claims: 1-800-692-6326
- Hours: 24/7
