8. Farmers
Market share: 3.14%
Farmers car insurance policies include liability, collision, comprehensive, and uninsured and underinsured motorist coverage for cars, pickups, and SUVs. You can add rental car reimbursement, towing and roadside assistance, glass coverage, and OEM parts endorsements for clients who want stronger repair protection. Farmers also writes policies for rideshare drivers, motorcycles, RVs, and classic or collector cars.
Farmers can suit families with teen drivers who need discounts for good grades and driver training, and who may list teens as occasional drivers. It is also an option for safe drivers using the Signal app, rideshare drivers, and small business owners who use personal vehicles for work. Multi-policy households and drivers with prior accidents or lower credit can find coverage, especially where accident forgiveness and bundled discounts improve overall value.
9. Chubb
Market share: 2.76%
Chubb writes auto policies for luxury, classic, and high‐value vehicles. Coverage features high liability limits, guaranteed value on total losses, and mandatory OEM parts for repairs. You can also add worldwide liability, classic car coverage, and rental reimbursement limits up to $15,000 with no daily cap. This helps make Chubb among the best car insurance companies for affluent clients.
Chubb car insurance is designed for high‐net‐worth individuals, multi‐car households, and owners of luxury, exotic, or vintage vehicles who want tailored protection. It can also suit clients who travel often and need worldwide coverage or want rental cars that match the standard of their insured vehicles.
10. American Family
Market share: 2.11%
American Family offers liability, collision, comprehensive, and uninsured and underinsured motorist coverage in its personal auto line. Add-ons include accident forgiveness, gap coverage, rideshare insurance, emergency roadside service, rental reimbursement, and usage‐based options like DriveMyWay or pay‐per‐mile through Miles My Way.
American Family can work for families with teen drivers who qualify for good student and young volunteer discounts, and for drivers with clean records. It can also be competitive for some high‐risk drivers with DUIs, rideshare drivers, and households that stack multi‐policy and generational discounts.
For a deeper look at its performance and stability, check out our American Family insurance rating guide.