Car insurance companies, in their own words
Who underwrites your policy, how you can buy it, where each company writes, and the discounts it names.
Auto insurance line
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The companies
In alphabetical order, which is the only order here. Each page reports what that company publishes about itself, and says so plainly where it publishes nothing.
InsuranceXR is an independent referral service. We are not affiliated with, endorsed by, or acting as an agent for any company listed here, and none of them has reviewed these pages. Reading one does not get you a quote from that company — whether any carrier will write you, and at what price, is underwriting, and no website can answer it. All trademarks are the property of their respective owners.
Allstate
Exclusive agents, independent agents, call centers and online, all at once. Its own page says the price depends on which you use.
Direct and through agents
American Family
A mutual whose group covers 50 states but whose own-brand car insurance is offered in 19. Sold through its own agents.
Through their own exclusive agents
Amica
No agents anywhere — a direct writer, and the oldest mutual auto insurer in the country by its own account.
Buy direct from the company
Auto-Owners
Sells solely through independent agents and offers no online quote at all. Publishes a 26-state count, but not which 26.
Through independent agents
Dairyland
Nonstandard auto and SR-22 filings, under the same Sentry parent as The General. Says it files most SR-22s with no filing fee.
Direct and through agents
Erie
Writes in twelve states and DC, and publishes exactly which. A reciprocal exchange managed by a separate listed company.
Through independent agents
Farmers
Exclusive agencies, independent agents and direct sales at the same time. Its core insurers are policyholder-owned exchanges.
Direct and through agents
GEICO
Says it pioneered selling direct, and still sells that way. Some GEICO-branded products are placed with other insurers, including unaffiliated ones.
Direct and through agents
Liberty Mutual
A mutual, and the answer to "what happened to Safeco?" — that brand is retired and its business is here now.
Direct and through agents
Mercury
Eleven states, published by name. Sold through roughly 8,500 local independent agents, mostly in California.
Through independent agents
Nationwide
A mutual owned by its policyholders. Dropped its captive agent force in 2020 — the agent you reach also sells other companies.
Through independent agents
Progressive
Sells three ways at once: online, by phone, and through about 40,000 independent agents. It says the price differs depending on which you use.
Direct and through agents
Root
Prices from a weeks-long phone-based test drive, and says openly it may decline to quote you afterward.
Direct and through agents
State Farm
A mutual, sold only through its own agents. Not writing new business in Massachusetts or Rhode Island as of its own current notice.
Through their own exclusive agents
The General
Writes drivers other companies decline — lapses, violations, SR-22 filings. The brand is an agency; a Sentry Insurance Group company writes the policy.
Direct and through agents
The Hartford
Says it is the only auto insurance endorsed by AARP, and that membership is required in most states. Not writing new business in CA or FL.
Direct and through agents
Travelers
Unusually explicit about which products are not its own, and about telematics raising a rate as well as lowering one.
Direct and through agents
USAA
Open only to the military community and their families — most drivers cannot buy it at all. A reciprocal exchange, not a stock or mutual company.
Buy direct from the company
What is actually worth comparing
Price is the last of these, not the first, because it is the one that means nothing until the other three are equal.
How you can buy it
Some companies sell only direct, some only through their own agents, some through independent agents who also place business elsewhere. It decides who you can actually talk to.
The same coverage, not the same price
A cheaper number at lower limits and a higher deductible is a smaller policy, not a better deal. Compare identical limits or you are comparing nothing.
Whether they write your profile
Underwriting is where companies differ most and publish least. A lapse, a violation, a young driver or an older vehicle can change which companies will write you at all.
What happens at claim time
Who adjusts it, whether there is a repair network you have to use, and how a claim is reported. Worth asking before you need the answer.
Ask someone who can see all of them
A licensed agent can tell you which companies they are appointed with, price the same coverage across them, and say which ones write a profile like yours. Calling costs nothing.
Auto insurance line
(888) 883-0806Calling costs nothing and there is no obligation to buy.
Not an insurer. We connect you with licensed agents.
Questions about this page
Do you rank these companies, or recommend one?
No. A ranking implies a method, and we do not publish one — so there is no best company on this site and no order to these pages beyond the alphabet. Each page reports what that company states on its own website and says plainly where it states nothing. That is a smaller claim than a ranking, and it is one you can check.
Can you get me a quote from a specific company?
No. InsuranceXR is not an insurance agency and does not sell, quote, or bind coverage. Calling connects you with a licensed agent, who can tell you which companies they are appointed with and price your policy with those. If you want a specific company, the fastest route is to contact that company directly.
Are you affiliated with any of these companies?
No. We are not an agent for any company named on this site, none of them has reviewed these pages, and all trademarks are the property of their respective owners. Everything here is drawn from what each company publishes about itself, with the source and the date it was read named on the page.
Why is my price different from what a comparison site showed?
Because a price is not a fact about a company, it is a fact about you. Every carrier files its rates with your state insurance department and rates your own profile against that filing — your ZIP code, vehicle, record, credit file in most states, and the limits you pick. A figure quoted for an average driver is not a figure quoted for you.
How do you make money?
The agency network that takes your call pays us for the referral. You are never charged, and the fee does not change your rate — rates are filed with state regulators and a carrier has to charge what it filed. You should know that before you weigh anything on this site.
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