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: Mar 13, 2020

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In a nutshell...

  • Once you find suitable car insurance company candidates, then it’s all about policy coverage and premiums
  • The biggest mistake drivers make is when they compare policies based on incentives
  • Minimum levels of coverage are usually so low that you risk a lot of personal liability driving a car

The answer to this question will entirely depend on who you ask. State Farm, Allstate, and Geico are the three largest car insurance companies by market share but are they for everyone?

While every driver wants cheap car insurance rates from a reliable provider, there are still many other variables to consider when choosing a car insurance company and this variable can differ depending on your unique needs.

Do you want merely the lowest premiums, the most reputable auto insurance provider or one with a local agent you can visit?

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

How do I compare car insurance companies?

The key to comparing car insurance companies is all about comparing each one equally. First, you need to find brands you can trust, and this is relatively easy to do.

It’s important to keep in mind that car insurance companies will not sell you any coverage below the state minimum requirements.

However, these minimum levels of coverage are usually so low that you risk a lot of personal liability driving a car.

For example, the only required insurance is liability coverage, and liability insurance does not cover damage to your vehicle.

The best car insurance comparison search only comes with education so learn about car insurance including the types of coverage, big auto insurance discounts, your deductible options and policy limits.

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Who are the top 10 car insurance companies?

Now, this is a fair question since it’s an excellent place to start an auto insurance comparison search.

You can view the top 10 car insurance companies by market share here, but note that many regional providers will never be on this list.

In some markets, these smaller regional companies have more of a market share than many of the top 10 companies nationwide.

Spend time learning about car insurance and only start to compare car insurance quotes when you are ready. Good coverage and affordable rates will always be around – you need to find the right company you can trust.

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

References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/how-to-compare-car-insurance-rates.aspx
  2. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums
  3. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  4. https://www.statefarm.com/insurance/auto/coverage-options/liability-coverage