List of United States insurance companies

21st Century Insurance
AccuQuote
Alleghany Corporation
Allied Insurance
Allstate
American Automobile Association
American Family Insurance
American Income Life Insurance Company
American International Group (AIG)
American National Insurance Company
Amica Mutual Insurance
Aon Corporation
Assurant
Auto-Owners Insurance
AXA Equitable Life Insurance Company
Bankers Life & Casualty Company
Berkshire Hathaway
California Casualty
Capital Insurance Group
CNA Financial
Colonial Life & Accident Insurance Company
Commerce Insurance Group
Conseco
Country Financial
Chartis
Chubb Corp.
Encompass
Erie Insurance Group
Esurance
Everest Re Group
Evergreen USA RRG
Farmers Insurance Group
Federated Mutual Insurance Company
GAINSCO
GEICO
General Re
Genworth Financial
GMAC Insurance
Hanover Insurance
The Hartford
HCC Insurance Holdings
Hereford Insurance Company
Infinity Property & Casualty Corporation
International Fidelity Insurance Company
Jackson National Life
John Hancock Insurance
Kemper Insurance
lgap Insurance
Knights of Columbus Insurance
Liberty Mutual
Markel Corporation
Merchants Insurance Group
Mercury Insurance Group
MetLife
Mutual of America
Mutual of Omaha
Nationwide Mutual Insurance Company
New Jersey Manufacturers Insurance Company
New York Life Insurance Company
OneBeacon
Oxford Health Plans
Pacific Life
PEMCO
Penn Mutual
Primerica
Principal Financial Group
Progressive
Protective Life
Prudential Financial
The Regence Group
Reliance Insurance Company
Response Insurance
RLI Corp.
Safe Auto Insurance Company
Safeco
Safeway Insurance Group
Sentry Insurance
Selective Insurance
Shelter Insurance
Southern Aid and Insurance Company
Standard Insurance Company
State Farm Insurance
Swiss Re
Symetra
Tri-State Consumer Insurance Company
TIAA-CREF
The Travelers Companies
Uniguard – Headquarter in greater Seattle area
United Auto Insurance Company
Unitrin Direct Auto Insurance
Unum
Vantislife Insurance Company
USAA
Wawanesa Insurance USA (CA and OR)
Wells Fargo
West Coast Life
Western Mutual Insurance Group
Western & Southern Financial Group
Westfield Insurance
Western Reserve Life Insurance Company
White Mountains Insurance Group
Annuity
Main article: Life annuity
Allstate
American Family Insurance
American Fidelity Assurance
Amica Mutual Insurance
Aviva
AXA Equitable Life Insurance Company
Bankers Life and Casualty
Conseco
Farmers Insurance Group
Fidelity
Genworth Financial
ING Group
Jackson National Life
John Hancock Insurance
MetLife
Mutual of Omaha
Nationwide Mutual Insurance Company
Old Mutual
Pacific Life
Protective Life
Prudential Financial
Standard Insurance Company
State Farm Insurance
Thrivent Financial for Lutherans
TIAA-CREF
Transamerica Corporation
UNIFI Companies
United of Omaha
Western & Southern Financial Group
Health insurance (major medical insurance)
Main articles: Health insurance and Health insurance in the United States
AARP
Aetna
American Family Insurance
American National Insurance Company
Amerigroup
Anthem Blue Cross and Blue Shield
Assurant
Blue Cross and Blue Shield Association
Celtic Insurance Company, subsidiary of Centene Corporation
Centene Corporation
Cigna
Coventry Health Care
EmblemHealth
Fortis
Golden Rule Insurance Company
Group Health Cooperative
GHI
Health Net
HealthMarkets
HealthSpring
Highmark
Humana
Independence Blue Cross
Kaiser Permanente
LifeWise Health Plan of Oregon
Medical Mutual of Ohio
Molina Healthcare
Premera Blue Cross
Principal Financial Group
The Regence Group
Shelter Insurance
Thrivent Financial for Lutherans
UnitedHealth Group
Unitrin
Universal American Corporation
WellCare Health Plans
WellPoint
Medicare
Main article: Medicare (United States)
Aetna
American Family Insurance
Bankers Life and Casualty
Conseco
Mutual of Omaha
Premera Blue Cross
Thrivent Financial for Lutherans
Supplemental insurance
Aflac
Allstate
American Fidelity Assurance
Colonial Life & Accident Insurance Company
Conseco
Liberty National Life Insurance Company
Mutual of Omaha
Supplemental health insurance
Allstate
MEGA Life and Health Insurance
State Farm Insurance
Travel insurance
Main article: Travel insurance
Access America, a brand of Mondial Assistance Group
InsureMyTrip
International Medical Group
Seven Corners, Inc.
Travel Guard
Usa-Assist Worldwide Protection
Workers’ compensation
Main article: Workers’ compensation
American International Group (AIG)
Erie Insurance Group
Hanover Insurance
The Hartford
Liberty Mutual
Merchants Insurance Group
Missouri Employers Mutual
Nationwide Mutual Insurance Company
Penn National Insurance
Sentry Insurance
State Accident Insurance Fund
State Farm Insurance
WellPoint
Zenith Insurance Company

Great Savings and Discount

In most states, here are ways you could save by switching to USAA Auto Insurance.

Driver Discounts	Membership Savings	Vehicle Discounts
Safe Driver Maintain a good driving record for more than five years.4 Defensive Driving Beef up your defensive driving skills with an approved course to qualify.10 Driver Training Complete a basic driver training course and get a discount.11 Good Student Turn your child's good grades into savings.5	Loyal Member Stick with USAA for your ongoing automobile insurance coverage. Multiple Products Maximize your auto insurance savings when you buy multiple USAA products.2 Family Discounts Continue the USAA auto coverage tradition that your parents started and save up to 10% on your policy.12	New Vehicles Insure a vehicle that's three years old or newer.13 Annual Mileage Receive a discount based on the number of miles you drive in a year.14 Multiple Vehicle Extend your USAA coverage to two or more vehicles and save.15 Storage Insure your stored vehicle with USAA and get a discount on your premium of up to 80%.16

Best Car Insurance Companies

Knowing you have selected a good car insurance company is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don't want to find out too late that your car insurance provider isn't up to par.

This list contains the top ten best auto insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.
Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.

1 Geico

+11Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I'm switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO.

+10I love GEICO, they have EXCELLENT customer service!!! They are always great, they're always so personal, they are always there to help all day and night and weekends and you don't have to worry about someone being on vacation or sick because there's always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don't already have a policy.

+6I just switched to Geico because of these comments. I thought the whole, "save you more money," marketing was just a gimmick, but I really did save money. My bill has gone down! I'm paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn't feel like just another number. Awesome rates, awesome service. Highly recommended.

2Esurance

+6Thanks Esurance for the savings, Progressive wanted
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!

+3I was tired of my insurance payments going up and up and up, so thought it was time to start shopping for new insurance. I had tried over the Internet before but hadn't a clue what I was doing, so I just gave up. I had my previous insurance elsewhere and came to find out I was paying way, way too much. I am saving $750. 00 a year by switching to Esurance! I could not believe it! I immediately started the process of switching, and I am now a new Esurance customer and a very happy one! Today, I received my policy and cards via email just as promised and am glad I switched!

+2Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too.

3Liberty Mutual

I am a 40 year customer. They are personal, competitively priced, and are quick and professional wiht price. Sometimes they try to raise prices at renewal time if you don't stay on top of your policy.

Great customer service, good rates, except their RV insurance is quite high.

I have been with Liberty Mutual for 11 years and have always found their customer service to be exceptional.

4State Farm

+4Never in my life have I ever had a problem with state farm. My family and I have been there with them for 50 years. Are the premiums high? I have been self employed for quite a few years. If you want me, you will pay a premium for that due to the service you get. State Farm rates are in with the rest, but my agent Kelly Langen is the best and I would never change for lousey service to save a buck!

+4I love State Farm, they handle all my ins. My car, car loan, my Apt. , and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages where less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.

+3A company can't stay number one in business unless the people in the company do what they promise. I have always been delivered more than promised by my State Farm Agent. No one asks how much they were paying when one has a claim. Price becomes pretty subjective. How fast and fair claim is handled matters the most when one has a loss.

5Allstate

+1I love Allstate my agent is Great! Allstate is the best. Having an agent right down the steet that I can stop in and talk to when ever I have a question really makes a difference.

+1Immediate accident forgiveness and real agents-not lizards nor 800 numbers.

+1I received a quote within minutes online and it was much lower than Geico, Progressive, State Farm, Nationwide and Safeco auto insurance companies. With the promise to keep me insured with their "no insurance hike up when getting into an accident", I will definitely continue to be an Allstate customer. I believe that I am in better hands than all the rest.

6Progressive

+1Progressive was very user friendly! I was amazed how easy it was to do this online. The monthly premium we are now paying is excellent! I regret not looking at this company sooner. The representative I spoke to to was also very helpful.

+1Progressive makes your claim service as easy as it can be. They take the stress out of dealing with the whole situation. I am so happy they are my insurance company! My co-workers are as impressed with Progressive as I am, now that they are seeing how Progressive is handling my claim.

+1there service and willingness to help resolve a cliant problem goes above and beyond the normal call of duty.

7 AAA

+4The most feared by other insurance companies. With AAA, nobody messes with you.

+1I just finished up a auto claim with AAA. I had used AAA for my first car years ago, but switched to geico and then state farm since I had to be insured on a college student budget.

Post grad I moved back to AAA when I was making higher income. The past weekend was the first time I've had to actually invoke my car insurance coverage due to a hit on run on my car while parked.

The response time, courteousness and professionalism shown by the AAA agent was amazing.

I intend to stay with AAA for many, many years to come. Thumbs up.

+1Courteous, professional service every time I have called with a question or concern.

8 21st Century Insurance

+2Great customer service... and everyone gets the free roadside assistance. best so far

+2The quote I received was LESS than the rate I was paying through Allstate WITH my multi-policy discount.

+1First of all it beats all of the companies in the top, also love the commercials where the guy does crazy things. I know that's not relevant but its one of the factors, and you save a lot.

9 Nationwide

+1Ridiculous that this very old and conservative company is listed 9 under the we don't pay anything Allstate and 21st Century. What could people be thinking?

+1Nationwide fights hard to beat other insurance companie's rates! They are truely on your side and I am very satisfied with my policy :) Join Nationwide toady and save!

+1first class claim service all the way around.

10 USAA

+1I have been with USAA for 22 years and my father has been with them for 40 years. They have the best rates of all the insurance company's by far. I have had other insurance company's contact me to change to their company, but when I told them I was with USAA they said they coudn't touch their rates.

USAA is easy to deal with, responsive, available, capable, conscientious and affordable.

Best rates in the market. Superior customer service. Awesome roadside assistance. Easy to use website! The best insurance ever

Experience the advantages of USAA auto insurance

• Exceptional service. USAA was rated among the highest in customer experience in a survey conducted by Forrester Research, Inc.
• Easy access. Manage your policy, get a quote, request auto ID cards and more — online or from a mobile device.
• USAA Roadside Assistance. We'll be there for you in any vehicle you drive — for towing, gas delivery, tire replacement and more.
• Award–winning claims service. We can help you get guaranteed repairs at more than 2,300 USAA–approved locations nationwide.
• USAA Auto Circle™. Find, finance and insure your next vehicle in one place. Save up to $4,573 off MSRP and get industry-leading loans and insurance from USAA.
• Guaranteed renewal. You get continuous auto coverage as long as you are able to drive and meet some basic requirements. Switch to USAA and count on us for the long haul.

Looking for Low-Cost Auto Insurance? You've Found It!

USA Insurance Company offers affordable auto insurance options with low monthly rates and low down payments. We have many insurance options available and our professional agents will help you find coverage that fits your needs and your budget.
Why choose us?

• The lowest cost in the area
• Low down payments
• Low monthly rates
• Military and civilian plans
• Young driver coverage
• No previous insurance requirements  

Call USA Insurance Company at (888) 563-7488 today!
With seven offices ranging from the coast up to Hattiesburg, you're never too far from our helpful insurance agents for auto insurance and more!
Call USA Insurance Company at (888) 563-7488 today for a quote. You won’t be disappointed!

21st Century Insurance

21st Century Insurance is a company that was registered on the New York Stock Exchange, and has been providing direct to the consumer personal auto insurance. 21st Century Insurance policies cover over 1.5 million vehicles in California and eight other Western, Southwestern, eastern and mid western states. In the state of California, 21st Century Insurance is considered to be seventh largest personal auto insurance company, that provides different kinds of insurance for automobile, motorcycle and personal umbrella insurance. Customer services are excellent and customers can purchase insurance service of their policy, all through the year through the 24-hours service. We believe that we deliver superior policy features, and also superior customer service at very competitive prices Towards the end of the year 2004, this group had an amount of $1.3 billion in the net premiums written, and $1.4 billion in assets, that totals $1.9 billion.

21st Century Insurance Story
The founder of 21st Century Insurance was Louis W.Foster, who founded the company in the year 1958, with the help of his experience of 20 years as an independent agent. An inter-insurance exchange is quite similar to a cooperative, where most of the policyholders try to insure the losses of the other policyholders. It was in the year 1968, a decision was made to convert the inter insurance exchange to the stock. It was the federal government who had minimized the tax for the advantages, and then the California Department of Insurance raised its capital and stock requirements. It was one of the most unique annals in the business of California. The profits that resulted on the use of this exchange were considered for measuring the amount of equity of the policy holders, where were entitled to the new company.$2 million were written on behalf of the company, in the year 1969, and $ 5 million was reached in the year 1972, and then $10 million in the year 1975.The company soon grew, and in a few years the company moved to Century City, in order to accommodate the ever increasing staff and number of policies. This was in the year 1980 that the company moved to its current headquarters, in Woodland hills. 21st Century Insurance has always seen its rapid growth, and expanded to many areas such as Arizonia, Washington, Georgia, Pennsylvania.Today the company is said to be employing more than 2500 employees and occupies a 11 storey headquarters building in Woodland Hills. The company also has 14 service offices, along with 9 drive in claim centers and 5 vehicle inspection centers.

21st Century Insurance In The Community
21st Century Insurance has always been involved with community development, and over 5 years time, the employees had managed to raise $1.8 million towards the United Way Campaigns. In the year 2003, there was $3 million in the form of donation to the Union Rescue Mission. This donation was made on behalf of the company as well as its founder. It was the 1996, that 21 st Century played a major role as a sponsor in order to create Los Angeles Police Academy Magnet School Program. 21st Century Insurance has also joined hands with California Missions Foundation, in order to increase awareness. In the previous poster competition was organized for the students, in which more than 400 students participated. The poster contest was entitled “A Day in the Life of a Mission”. Besides all these, 21st Century Insurance has always been involved in providing financial support to numerous causes. Last year there was another development, when there was a joint venture with California Highway Patrol, in order to promote child safety seat and conducted many kinds of community events, through different parts of California’s we celebrate our 45th anniversary, we are proudly honoring the tradition that is set by our founder, Louis W.Foster, in 1958.

Credit Affects Your Insurance

The fact that credit history influences the chances of getting approved for a loan
is common knowledge, but most people are unaware their credit score determines how
much they pay for insurance. In many cases, insurance companies do not properly
disclose these tactics and individuals are notified after their insurance rate has
increased.

Take the example of Mathew Williams from New York. He was notified by his insurance
company that his annual premium would be increased by $628 based on his recent credit
score. Matt moved fast to check his credit report online and found his credit score
had fallen from 680 to 540, a drastic decrease. He had recently been in a car accident
and numerous unpaid medical bills were left on his credit. So not only did he eventually
have to pay these medical bills, Matt was forced to pay the higher insurance premiums.

A credit score can range between 300 (lowest) and 850 (highest). Theoretically it can
be 900 but that's rare. Credit scores ranging 600-650 are considered fair and over
700 is pretty good.

Why is an individual's credit score used by insurance companies to determine rates?
The insurance companies evaluate risk and then reward customers who are less likely to
incur losses with lower premiums. The best way to do this is by using the credit scores
reported by the credit unions to determine if the applicant is responsible. It is
important to realize your credit score affects the cost of your insurance premiums.
Insurance companies are looking at the credit report to measure insurance risk rather
than credit-worthiness.

An insurance research firm found out that 92% of the top 100 auto insurance companies
in the country use credit data when underwriting new policies. These factors which are
considered by insurance companies that are relevant to calculating risk include,
bankruptcies, judgments, collections and delinquencies. The different number and the
types of credit accounts a customer has and the length of account history are also
considered. Insurance companies say that credit scores are justified to correlate a
low credit score with increased risk. According to studies, people who fail to pay
their bills are more likely to file a claim.

Today, more than 90% percent of auto insurance companies nationwide use credit scores
as a means of deciding rates. A large number of home insurance companies are slated
to follow the same standard. Currently, California and Maryland are the only states
that prohibit credit-based insurance scoring.

The laws and regulations that govern insurance are decided at the state level. This
means that your place of residence actually determines what information companies
gather and how they can use it, to assess insurance risk. It is important to be
focused on removing the negative points from your credit report to increase chances
of receiving lower insurance rates. Insurance Policyholders are classified as
preferred, average or high-risk. This classification has a considerable impact on
what rate an insurance company charges you.

Tips to avoid low credit scores

• Keep an updated list of all accounts, due dates, balances and credit limits
  (automate your bill paying process).
  
• Pay bills as soon as they arrive (as many as 100 points can be deducted per default).
  
• Keep an eye on all accounts carefully (keep balances low and spend around 1/3rd
  of your credit limit).
  
• Minimize credit card applications (avoid unnecessary credit).
  
• Check your credit report at least once a year.