2. Progressive
Market share: 8.07%
Progressive’s car insurance policies include standard liability, collision, and comprehensive coverage. You can also access uninsured and underinsured motorist and medical payments or personal injury protection. Rideshare coverage, loan or lease payoff, rental car reimbursement, roadside assistance, custom parts coverage, pet injury protection, and accident forgiveness are available as add-ons.
Progressive suits safe drivers who like telematics discounts, price-sensitive clients, and multi‐car or multi‐policy households. It also provides coverage for rideshare drivers and owners of financed vehicles who need gap protection. Progressive has policies for high‐risk drivers who need SR‐22 filing, and clients with custom equipment.
If you want a deeper look at how this industry giant stacks up against its peers, check out this article on Progressive’s insurance rating.
3. USAA
Market share: 5.40%
USAA provides liability, collision, comprehensive, and uninsured and underinsured motorist coverage for eligible members. Clients can add rideshare gap protection, rental reimbursement, and roadside assistance. The insurer also offers car replacement assistance that adds about 20 percent above actual cash value on total losses.
One of the best car insurance companies in the country, USAA offers coverage only to US military members, veterans, and their eligible family members. Within this group, its policies can suit safe drivers through SafePilot and low‐mileage drivers using SafePilot Miles. It also offers coverage for deployed members who store vehicles or park on bases.
4. Berkshire Hathaway
Market share: 5.25%
Warren Buffett’s conglomerate writes private car insurance through its subsidiary, GEICO, which offers liability, collision, comprehensive, and other standard coverage. You can also place clients with uninsured and underinsured motorist protection, medical payments or personal injury protection, and add-ons like roadside assistance or rental reimbursement.
GEICO suits many types of drivers, including teens, seniors, families with multiple cars, and good drivers who qualify for lower rates. It can also insure high‐risk drivers, those needing SR‐22 or FR‐44 filings, business users in eligible classes, and specialty vehicle owners.