Auto Insurance Statistics by Company (U.S. Market)

Understanding the U.S. auto insurance landscape helps consumers make smarter decisions and ensures transparency in one of the country’s most important financial services sectors. This article explores up-to-date statistics on the largest insurers, average premiums, customer satisfaction, complaints, and key trends shaping the industry.


Top Auto Insurance Companies by Market Share

According to the most recent data from the National Association of Insurance Commissioners (NAIC), here are the top 10 auto insurance providers in the United States by market share:

Rank Company Market Share (%) Direct Premiums Written (2024 est.)
1 State Farm 16.8% $45.2B
2 GEICO 13.7% $36.9B
3 Progressive 13.6% $36.5B
4 Allstate 10.4% $28.0B
5 USAA* 6.0% $16.1B
6 Liberty Mutual 4.7% $12.6B
7 Farmers Insurance 4.2% $11.2B
8 Nationwide 2.3% $6.2B
9 American Family 2.1% $5.6B
10 Travelers 2.0% $5.4B

*USAA serves military families and may have eligibility restrictions.


Average Annual Premiums by Company

Premiums vary based on driving record, age, location, and other underwriting factors. Below is a comparison of average annual premiums for different driver profiles:

Company Clean Record One Speeding Ticket One DUI Teen Driver
State Farm $1,402 $1,612 $2,568 $5,137
GEICO $1,471 $1,894 $3,060 $4,879
Progressive $1,892 $2,150 $3,238 $6,221
Allstate $2,135 $2,534 $4,048 $7,072
USAA $1,288 $1,486 $2,433 $3,924

These figures represent national averages as of Q1 2025. Individual quotes will vary.


Customer Satisfaction Ratings (J.D. Power 2024)

J.D. Power’s Auto Insurance Study measures satisfaction across five key factors: billing, claims, interaction, policy offerings, and pricing.

Region Top-Rated Insurer J.D. Power Score (out of 1,000)
California Wawanesa 852
Florida Allstate 835
Texas State Farm 844
Southeast Farm Bureau Insurance 855
Northwest American Family 847
Central Auto-Owners Insurance 861

Industry average: ~835 points.


Complaint Index (NAIC 2024)

The NAIC Complaint Index compares the volume of complaints to a company’s size (lower is better).

Company Complaint Index Common Issues Reported
State Farm 0.61 Claims delays, billing disputes
GEICO 1.02 Denial of coverage, communication
Progressive 1.45 Repair delays, coverage clarity
Allstate 1.32 Settlement disputes, billing
USAA 0.49 Exceptional service reputation

Best Companies by Driver Type

Different insurance companies may cater better to specific types of drivers. Here’s a breakdown of top-rated companies based on driver profiles:

Driver Type Best Company Key Reason
Teen Drivers USAA Lowest premiums, strong service
Drivers with DUI Progressive Lenient underwriting, competitive pricing
Senior Drivers State Farm Consistent rates, discount programs
High-Risk Drivers GEICO Better pricing flexibility
Military Families USAA Specialized service and rates

Regional Leaders by State

The best insurer can vary significantly by location. Below is a sample overview of selected states:

State Most Popular Insurer Reason
California GEICO Competitive pricing, large network
Texas State Farm Strong local presence, bundling discounts
New York Progressive Digital tools, urban pricing strategy
Florida Allstate Wide availability, hurricane coverage options
Illinois State Farm Headquarters state, extensive agent network

Industry Trends and Forecast (2025–2026)

  • Rising Premiums: Average rates expected to increase 6–8% due to inflation, repair costs, and extreme weather events.
  • Usage-Based Insurance (UBI): Growing adoption of telematics and pay-per-mile policies, especially among Gen Z and millennials.
  • Digital Claims: Insurers investing in faster, AI-driven claims handling and self-service portals.
  • Market Exit Risks: Some providers may scale back in catastrophe-prone states (e.g., California, Florida) due to high loss ratios.
  • EV Insurance Evolution: New pricing models emerging for electric vehicle owners as repair complexity increases.

Sources and Methodology

This article is based on data from:

  • National Association of Insurance Commissioners (NAIC)
  • J.D. Power 2024 Auto Insurance Study
  • Quadrant Information Services (premium averages)
  • Company-specific reports and consumer feedback platforms