How many car insurance companies are there?

On average, there are 100 licensed car insurance companies in every state. How many car insurance companies there are in your state depends on the population size and the requirements of your state’s Department of Insurance. Read our guide to learn more about how many car insurance companies there are in the U.S. and compare quotes from local companies in your area.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 25, 2020

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It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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In a nutshell...

  • Liability insurance for example only covers damage/injuries to other people
  • UIM stands for uninsured motorist coverage and auto insurance only pays for damages from insured events up to your policy limits
  • Education and patience are key as you need to spend some time comparing the details of coverage to get the best rates

You may be surprised to know that over 100 car insurance companies are licensed in most states with some states having close to 200.

If you need car insurance, your options are vast but choosing the right car insurance company is never as easy as finding a car insurance company.

Examine the options within your state and conduct some research before buying car insurance.

Enter your zip code above to get FREE car insurance quotes today!

How to Find the Best Car Insurance Company

Patience and education are the two critical factors in any good car insurance comparison search. Anyone can enter a zip code and compare quotes.

Understanding the details of car insurance coverage will enable you to compare quotes equally.

Test your knowledge of auto insurance by asking yourself these five simple questions:

  • How much car insurance do you need?
  • Does liability insurance cover damage to your vehicle?
  • What is no-fault car insurance?
  • Will auto insurance pay for all damages?
  • What do the letters UIM stand for?

Most drivers can not answer these five simple questions with a correct answer.

This means that if you have $10,000 in car insurance and damages are $20,000; then you very well might have to cut a check for $10,000 or be exposed to a lawsuit from the injured party.

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Start with Education

Never assume you know everything about car insurance. Most drivers have never filed a claim yet believe they are covered for an accident.

There are many different types of car insurance, so you need to review your coverage and make sure you have a well-rounded policy with sufficient limits from a reliable provider to have full peace of mind when operating a vehicle.

Auto insurance is a mandatory requirement all drivers are required to obtain yet many still only understand how much the amount of the monthly premium is.

Try to learn about the types of coverage and then consider how policy deductibles work and how much coverage you need.

Always Compare Car Insurance Companies

While your local agent indeed may have a beautiful smile many car insurance companies offer preferred rates and significant incentives to purchase car insurance directly from their website or toll-free number.

The role of independent agents is growing less relevant every day, and consumers have the option of engaging multiple quotes within minutes online.

The fact about comparison shopping for auto insurance is that you can ultimately save money every month when you know even just a little about how car insurance works in the event of a claim.

Get started by reading some of the favorite topics below:

Enter your zip code below to get FREE car insurance quotes today!

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