Auto insurance underwriting companies in nan play a vital role in the risk management landscape. They assess and manage risks for individual drivers, families, and businesses across various segments. These companies typically offer products such as auto, home, life, and health insurance, aiming to provide financial protection and peace of mind. Currently, the industry is evolving with advancements in data analytics and customer engagement technology. Innovations like telematics and mobile apps are reshaping how insurers interact with clients. Additionally, sustainable practices are becoming a priority, as firms seek to fulfill corporate social responsibilities alongside traditional underwriting processes.

This listing features 24 auto insurance underwriting companies operating in nan, varying in size from smaller firms to major players. Many of them were founded in the early to mid-20th century, which speaks to their established presence in the market. These companies maintain headquarters across the United States, with specialties ranging from auto insurance to comprehensive financial services. With a collective workforce that spans thousands, their focus on customer satisfaction is reflected in innovative products designed to suit a variety of needs and preferences.

Continue reading to discover the top auto insurance underwriting companies.

Top 24 Auto Insurance Underwriting Companies

1. State Farm

• Website: statefarm.com
• Ownership type: Private
• Headquarters: Bloomington, Illinois, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1922
• Headcount: 10001+
• LinkedIn: state_farm

State Farm Insurance, founded in 1922 and headquartered in Bloomington, Illinois, is a prominent insurance and financial services provider. The company specializes in a variety of insurance products, including auto, home, life, and health insurance, as well as investment services. State Farm serves individuals, families, and small businesses, helping them protect their assets and manage risks effectively. With a workforce of over 106,000 employees, State Farm operates exclusively in the United States, ensuring a localized approach to customer service. The company is known for its Personal Price Plan, which tailors insurance pricing to individual needs, and offers numerous discounts to help customers save on their premiums. State Farm's commitment to innovation is evident in its mobile app, which provides 24/7 access to policy management and claims filing. The company also emphasizes community involvement and environmental sustainability, reflecting its dedication to social responsibility.

2. Farmers Insurance

• Website: farmers.com
• Ownership type: Private
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $300.0M, October 2024
• Founded year: 1928
• Headcount: 10001+
• LinkedIn: farmers-insurance

Farmers Insurance, founded in 1928 and headquartered in Los Angeles, California, is a prominent insurance provider that offers a wide array of insurance products. These include auto, home, life, and business insurance, catering to both individual consumers and small businesses. Farmers Insurance operates through a robust network of agents, ensuring personalized service and tailored insurance solutions for their clients. The company is dedicated to helping customers manage risks and protect their assets. Recently, Farmers Insurance secured $300 million in funding, indicating ongoing investment in their operations and services. This financial backing supports their commitment to enhancing customer experience and expanding their offerings in the insurance market.

3. GEICO Local Office

• Website: geico.com
• Ownership type: Private Equity
• Headquarters: Chevy Chase, Maryland, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: January 1996
• Founded year: 1936
• Headcount: 201-500
• LinkedIn: geico-local-office

GEICO Local Office, part of the Government Employees Insurance Company (GEICO), is based in Chevy Chase, Maryland. Founded in 1936, the company specializes in a variety of insurance products, with a strong emphasis on auto insurance. GEICO serves both individual consumers and businesses, helping them manage risks and protect their assets through tailored coverage options. The company operates primarily through online platforms, enhancing customer accessibility and service efficiency. With a workforce of approximately 421 employees, GEICO Local Office is well-equipped to handle a significant volume of insurance inquiries and claims, contributing to its reputation in the industry.

4. Huk-coburg

• Website: huk.de
• Ownership type: Private
• Headquarters: Coburg, Bavaria, Germany
• Employee distribution: Germany 100%
• Founded year: 1933
• Headcount: 10001+
• LinkedIn: huk-coburg

Huk-coburg, based in Coburg, Bavaria, Germany, is a private insurance company that has been operational since 1933. The firm specializes in a wide array of insurance products, prominently featuring auto insurance. Huk-coburg offers various types of car insurance, including standard coverage, telematics options, and policies tailored for electric vehicles and young drivers. Their commitment to customer service is evident through their online platform, which allows clients to manage their insurance policies and claims efficiently. In addition to auto insurance, Huk-coburg provides health, liability, and property insurance, catering to individual consumers seeking comprehensive financial protection. The company employs over 10,000 people and maintains a strong presence in the German market, focusing solely on the needs of its customers without any reported external funding.

5. State Auto Insurance

• Website: stateauto.com
• Ownership type: Corporate
• Headquarters: Columbus, Ohio, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Latest funding: $1.0B, March 2022
• Founded year: 1921
• Headcount: 1001-5000
• LinkedIn: state-auto-insurance

State Auto Insurance, officially known as State Automobile Mutual Insurance Company, is headquartered in Columbus, Ohio. Founded in 1921, the company specializes in automobile insurance, catering to both individuals and businesses. State Auto aims to provide affordable insurance solutions, tackling the prevalent issues of high rates and complex claims processing that often plague the insurance market. With a workforce of approximately 1,800 employees, the company is well-equipped to handle underwriting and customer service needs. In March 2022, State Auto secured $1 billion in funding, which underscores its commitment to enhancing its offerings and maintaining a competitive edge in the auto insurance industry.

6. Amica Insurance

• Website: amica.com
• Ownership type: Corporate
• Headquarters: Lincoln, Rhode Island, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: December 2003
• Founded year: 1907
• Headcount: 1001-5000
• LinkedIn: amica-mutual-insurance-co

Amica Mutual Insurance Company, headquartered in Lincoln, Rhode Island, is a mutual insurance provider that has been operational since 1907. The company specializes in a variety of insurance products, including auto, home, and life insurance. Amica serves individuals and families, aiming to protect their assets and provide financial security. The company operates primarily through direct insurance services, which allows for a more personalized customer experience. With a workforce of over 3,200 employees, Amica emphasizes strong customer service and support, which is reflected in their high customer retention rates. They have also established partnerships, such as being the exclusive auto, home, and life insurance partner of the Boston Celtics, further solidifying their presence in the market. Amica's financial strength is rated A+ (Superior) by AM Best, showcasing their reliability and stability in the insurance industry.

7. The General

• Website: thegeneral.com
• Ownership type: Corporate
• Headquarters: Nashville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 99%
• Latest funding: $1.7B, September 2024
• Founded year: 1963
• Headcount: 501-1000
• LinkedIn: the-general

The General, officially known as The General Automobile Insurance Services Inc., is an insurance agency based in Nashville, Tennessee. Established in 1963, the company specializes in auto insurance, offering a range of products that include liability, motorcycle, and life insurance. The General primarily targets high-risk drivers, providing them with affordable coverage options and flexible payment plans. With a workforce of approximately 1,322 employees, the company has grown to insure over a million drivers across 46 states and Washington, D.C. The General has received significant funding, amounting to $1.7 billion, which underscores its commitment to enhancing its services and expanding its market presence. The company is recognized for its customer-centric approach, aiming to provide quick quotes and a straightforward claims process, making it a notable entity in the auto insurance sector.

8. Grange Insurance

• Website: grangeinsurance.com
• Ownership type: Private
• Headquarters: Columbus, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1935
• Headcount: 1001-5000
• LinkedIn: grange-insurance

Grange Insurance, based in Columbus, Ohio, is a private insurance company that has been serving customers since 1935. The company specializes in providing a range of insurance products, including auto, home, and business insurance. Grange operates through a network of independent agents, which allows them to offer personalized service and tailored insurance solutions to both individual consumers and businesses. Their commitment to customer satisfaction is evident in their claims process and the resources they provide to help clients understand their coverage options. Grange has maintained an 'A' Excellent rating from A.M. Best for over 50 years, reflecting their financial strength and stability in the insurance market. With a workforce of over 1,500 employees, Grange continues to be an active participant in the insurance industry, focusing on protecting clients against various risks.

9. National General

• Website: nationalgeneral.com
• Ownership type: Corporate
• Headquarters: Winston-Salem, North Carolina, United States (USA)
• Employee distribution: United States (USA) 98%, Other 2%
• Latest funding: $3.7B, July 2020
• Founded year: 1920
• Headcount: 5001-10000
• LinkedIn: national-general-insurance

National General Insurance, Inc., based in Winston-Salem, North Carolina, has been serving policyholders since 1920. The company specializes in a range of insurance products, prominently featuring auto insurance, alongside home and health insurance offerings. With a workforce of over 6,000 employees, National General operates primarily in the United States, where it has established a robust network of independent agents. This network facilitates customer access to insurance services and claims support, ensuring that clients receive timely assistance. The company is backed by Allstate, which enhances its operational capabilities and market reach. National General's commitment to customer service is evident in its 24/7 claims reporting and support, making it a reliable choice for consumers seeking auto insurance solutions.

10. Direct Auto Insurance

• Website: directauto.com
• Ownership type: Corporate
• Headquarters: Nashville, Tennessee, United States (USA)
• Employee distribution: United States (USA) 99%
• Latest funding: $165.0M, June 2016
• Founded year: 1991
• Headcount: 5001-10000
• LinkedIn: direct-auto

Direct Auto Insurance, founded in 1991 and headquartered in Nashville, Tennessee, is an insurance provider that offers a range of products including auto, motorcycle, and term life insurance. The company is particularly focused on delivering affordable coverage options to consumers, especially those with varying driving histories. With a workforce of approximately 5,001 to 10,000 employees, Direct Auto operates through 519 locations across the United States, ensuring that customers have easy access to their services. The company aims to provide not just insurance, but also support and guidance to help clients understand their policies and find the best coverage for their needs. In 2016, Direct Auto secured $165 million in funding, reflecting a strong backing from investors and a commitment to growth in the competitive insurance market.

11. NJM Insurance Group

• Website: njm.com
• Ownership type: Private
• Headquarters: Ewing Township, New Jersey, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1913
• Headcount: 1001-5000
• LinkedIn: njm-insurance-group

NJM Insurance Group, based in Ewing Township, New Jersey, is a private insurance company that has been operational since 1913. With a workforce of approximately 1,963 employees, NJM specializes in a variety of insurance products, including personal auto, homeowners, and commercial insurance. The company serves both individual consumers and businesses, providing essential coverage to protect against various risks and liabilities. NJM is particularly noted for its strong emphasis on customer satisfaction and efficient claims processing. The company has received recognition for its auto insurance services, including multiple awards from J.D. Power for outstanding claims experiences. NJM operates primarily in the northeastern United States, focusing on states such as New Jersey, Connecticut, Maryland, Ohio, and Pennsylvania, which allows them to maintain a significant presence in the auto insurance market.

12. TATA AIG General Insurance Company Limited

• Website: tataaig.com
• Ownership type: Private
• Headquarters: Mumbai, Maharashtra, India
• Employee distribution: India 100%
• Founded year: 2000
• Headcount: 1001-5000
• LinkedIn: tata-aig

TATA AIG General Insurance Company Limited, established in 2000, operates as a joint venture between the Tata Group and American International Group (AIG). Based in Mumbai, Maharashtra, the company has grown to become a prominent player in the Indian insurance market, offering a wide array of general insurance products. Their portfolio includes motor insurance, health insurance, travel insurance, and business insurance, catering to both individual consumers and businesses. TATA AIG has built a strong distribution network with over 89,000 licensed agents and partnerships with more than 730 licensed brokers. The company prides itself on its customer service, with a dedicated team of claim experts and a seamless claims process. As of March 31, 2023, TATA AIG recorded a Gross Written Premium of 15,423 Crores, reflecting its substantial involvement in the insurance industry. The company has also established a network of 7,500 garages and 11,000 hospitals, enhancing its service capabilities for motor and health insurance.

13. 21st Century Insurance

• Website: 21st.com
• Ownership type: Corporate
• Headquarters: Wilmington, Delaware, United States (USA)
• Employee distribution: United States (USA) 87%, South Africa 10%, Trinidad and Tobago 3%
• Latest funding: $749.0M, May 2007
• Founded year: 1958
• Headcount: 5001-10000
• LinkedIn: 21st-century-insurance

21st Century Insurance, headquartered in Wilmington, Delaware, has been a player in the auto insurance market since its inception in 1958. Originally founded as 20th Century Insurance, the company has evolved to focus on providing comprehensive auto insurance solutions to individual consumers. With a workforce of approximately 859 employees, 21st Century Insurance emphasizes customer service and competitive pricing, aiming to deliver value to its policyholders. The company offers a variety of products, including auto and renters insurance, alongside claims services and roadside assistance. Their operational model is designed to cater to the needs of drivers, particularly in California, where they have built a strong presence. The company is underwritten by 21st Century Insurance Company, which is part of the Farmers Insurance Group, further solidifying its credibility in the insurance industry.

14. SafeAuto

• Website: safeauto.com
• Ownership type: Corporate
• Headquarters: Columbus, Ohio, United States (USA)
• Latest funding: July 2023
• Founded year: 1993
• Headcount: 501-1000
• LinkedIn: safeauto-insurance-company

SafeAuto Insurance Company, based in Columbus, Ohio, has been a player in the auto insurance sector since its founding in 1993. The company primarily focuses on providing state-minimum coverage, which is particularly beneficial for drivers in the nonstandard insurance market. This niche allows SafeAuto to cater to consumers who may face difficulties obtaining standard coverage due to various factors, such as driving history or financial constraints. Operating across 20 states, SafeAuto has established itself as a reliable option for those seeking affordable auto insurance solutions. The company employs around 502 individuals, reflecting a solid workforce dedicated to serving its clientele. SafeAuto's commitment to accessibility and affordability positions it as a noteworthy entity in the auto insurance underwriting industry.

15. North Carolina Farm Bureau Mutual Insurance Company

• Website: ncfbins.com
• Ownership type: Private
• Headquarters: Raleigh, North Carolina, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1953
• Headcount: 1001-5000
• LinkedIn: nc-farm-bureau

North Carolina Farm Bureau Mutual Insurance Company, based in Raleigh, North Carolina, is a private, non-profit insurance provider that has been serving the state since 1953. Initially established to address the insurance needs of farmers and rural families, the company has expanded its offerings to include a wide array of insurance products such as auto, homeowners, renters, life, health, and farm insurance. With a workforce of approximately 1,884 employees, the company prides itself on its local presence, having agents in every county of North Carolina. This local focus allows them to tailor their services to meet the unique needs of their policyholders. The company boasts over $2.2 billion in assets and writes more than $1 billion in premiums annually, reflecting its strong financial position. Additionally, it holds an A.M. Best rating of A (excellent), indicating a solid financial foundation and reliability in fulfilling claims. North Carolina Farm Bureau Mutual Insurance Company is committed to community involvement and providing quality service, making it a trusted choice for many residents in the state.

16. Farm Bureau Insurance of Tennessee

• Website: fbitn.com
• Ownership type: Private
• Headquarters: Columbia, Tennessee, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1948
• Headcount: 1001-5000
• LinkedIn: farm-bureau-insurance-of-tennessee

Farm Bureau Insurance of Tennessee, founded in 1948, is a private insurance company based in Columbia, Tennessee. The company specializes in a variety of insurance products, prominently featuring auto insurance alongside home, life, and business insurance. With a workforce of over 1,100 employees, Farm Bureau Insurance operates through a network of more than 500 local agents across Tennessee, ensuring that they can provide tailored insurance solutions to meet the needs of individuals and families. Their commitment to customer service is evident in their extensive claims support, which includes over 350 claims professionals ready to assist clients. This focus on local service and community engagement positions them as a significant player in the Tennessee insurance market, particularly in the auto insurance segment.

17. Alfa Insurance

• Website: alfainsurance.com
• Ownership type: Private
• Headquarters: Montgomery, Alabama, United States (USA)
• Employee distribution: United States (USA) 98%, Other 2%
• Founded year: 1946
• Headcount: 1001-5000
• LinkedIn: alfa-insurance

Alfa Insurance, founded in 1946 and headquartered in Montgomery, Alabama, is a private insurance provider that offers a variety of insurance products, including auto, home, life, farm, and health insurance. The company primarily serves customers in Alabama, Georgia, and Mississippi, emphasizing personalized service and community engagement. Alfa Insurance has a workforce of over 2,000 employees and operates 370 service centers across its core states. The company has received high marks for customer satisfaction, particularly in auto insurance, where it ranked first in the Southeast region according to the J.D. Power 2024 U.S. Auto Insurance Study. This recognition underscores Alfa's focus on delivering quality service and financial protection to its clients. Additionally, Alfa Insurance maintains strong financial ratings, affirming its stability and reliability in the insurance market.

18. Acuity Insurance

• Website: acuity.com
• Ownership type: Private
• Headquarters: Sheboygan, Wisconsin, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1925
• Headcount: 1001-5000
• LinkedIn: acuity-insurance

Acuity Insurance, founded in 1925 and based in Sheboygan, Wisconsin, is a mutual insurance company that offers a wide array of personal and business insurance products. The company specializes in auto insurance, homeowners insurance, and commercial insurance, catering to both individual consumers and businesses across various industries. Acuity operates in 32 states and is recognized for its strong financial ratings, including an A+ from AM Best, which underscores its financial strength and reliability. The company prides itself on exceptional customer service, providing personalized support and a dedicated claims specialist to guide policyholders through the claims process. With over 1,600 employees and a network of more than 30,000 independent agents, Acuity is well-positioned to meet the insurance needs of its clients while managing risks effectively.

19. Auto-Owners Insurance

• Website: auto-owners.com
• Ownership type: Private
• Headquarters: Lansing, Michigan, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1916
• Headcount: 5001-10000
• LinkedIn: auto-owners-insurance

Auto-Owners Insurance, based in Lansing, Michigan, has been a significant player in the insurance industry since its inception in 1916. The company offers a comprehensive range of insurance products, including auto, home, life, and business insurance. With a workforce of over 5,000 employees, Auto-Owners operates through a network of independent agents across multiple states, ensuring localized service and expertise. The company is recognized for its strong financial stability, holding an A++ rating from AM Best, which reflects its ability to meet policyholder obligations. Auto-Owners is also actively involved in community initiatives, demonstrating a commitment to corporate responsibility. Their focus on customer service and claims management has earned them numerous accolades, further solidifying their position in the insurance market.

20. La Caja de Ahorro y Seguro

• Website: lacaja.com.ar
• Ownership type: Corporate
• Headquarters: Lomas Del Mirador, Buenos Aires, Argentina
• Employee distribution: Argentina 100%
• Latest funding: August 2014
• Founded year: 1915
• Headcount: 1001-5000
• LinkedIn: la-caja

La Caja de Ahorro y Seguro, based in Lomas Del Mirador, Buenos Aires, Argentina, is an established insurance company that has been operating since 1915. With a workforce of over 1,600 employees, the company offers a wide array of insurance products, including auto, health, life, and property insurance. La Caja serves both individual consumers and businesses, providing tailored solutions to protect against various risks. The company is particularly noted for its auto insurance offerings, which include policies for cars, motorcycles, and even bicycles. Their commitment to customer service is evident through their online platforms and mobile applications, which facilitate easy access to insurance services. La Caja's focus on digital engagement and customer satisfaction positions it as a relevant player in the auto insurance underwriting sector.

21. Texas Farm Bureau Insurance Companies

• Website: txfb-ins.com
• Ownership type: Private
• Headquarters: Waco, Texas, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1950
• Headcount: 501-1000
• LinkedIn: texas-farm-bureau-insurance-companies

Texas Farm Bureau Insurance Companies, based in Waco, Texas, has been providing insurance solutions since 1950. The company offers a variety of insurance products, including auto, home, farm, ranch, and life insurance. With a workforce of approximately 501 to 1000 employees, they operate through a network of agents, ensuring personalized service for their clients. Texas Farm Bureau Insurance is particularly noted for its auto insurance offerings, where it has achieved the highest customer satisfaction ratings in Texas for over a decade, as recognized by J.D. Power. This focus on customer service and satisfaction highlights their commitment to the auto insurance market. The company also engages in claims processing and policy management, further solidifying its role in the insurance industry. Their approach to insurance is designed to help consumers protect their assets and manage risks effectively.

22. Arbella Insurance Group

• Website: arbella.com
• Ownership type: Private
• Headquarters: Quincy, Massachusetts, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $45,000, November 2013
• Founded year: 1988
• Headcount: 501-1000
• LinkedIn: arbella-insurance-group

Arbella Insurance Group, established in 1988, is a private insurance company headquartered in Quincy, Massachusetts. Specializing in property and casualty insurance, Arbella offers a range of products including auto, home, and business insurance. The company serves consumers and businesses primarily in New England, operating through a network of local independent agents. This model allows Arbella to provide personalized coverage tailored to the unique needs of its clients. With over $800 million in revenue and approximately $1.8 billion in assets, Arbella has demonstrated financial stability, earning an A rating from AM Best. The company is also recognized for its community involvement through the Arbella Insurance Foundation, which supports local organizations. Arbella's commitment to customer service and its focus on the auto insurance market position it as a significant player in the industry.

23. Sancor Seguros

• Website: sancorseguros.com.ar
• Ownership type: Private
• Headquarters: Sunchales, Santa Fe, Argentina
• Employee distribution: Argentina 83%, Brazil 8%, Paraguay 5%, Other 4%
• Founded year: 1945
• Headcount: 1001-5000
• LinkedIn: sancor-coop-de-seguros-ltda

Sancor Seguros, based in Sunchales, Santa Fe, Argentina, is a private insurance company that has been operational since 1945. With a workforce of approximately 1,800 employees, the company specializes in a variety of insurance products, including auto, home, motorcycle, and personal accident insurance. Sancor Seguros aims to protect individual consumers' assets and manage financial risks associated with unforeseen events. The company has embraced technology, offering a user-friendly online platform that facilitates obtaining quotes, managing policies, and accessing necessary documentation. Their commitment to customer service is highlighted by their extensive network of advisors and a focus on personalized support. Sancor Seguros also emphasizes regional adaptability in their coverage options, catering to the specific needs of clients across Argentina and neighboring countries.

24. Elephant Insurance

• Website: elephant.com
• Ownership type: Corporate
• Headquarters: Henrico, Virginia, United States (USA)
• Employee distribution: United States (USA) 99%
• Latest funding: April 2025
• Founded year: 2009
• Headcount: 501-1000
• LinkedIn: elephant-insurance

Elephant Insurance, based in Henrico, Virginia, is an insurance provider that specializes in a variety of financial services, with a strong emphasis on auto insurance. Founded in 2009, the company has grown to employ between 501 and 1000 individuals, primarily in the United States. Elephant Insurance offers a comprehensive suite of products, including car, homeowners, renters, motorcycle, life, and umbrella insurance. The company is dedicated to providing affordable and extensive coverage options, helping individuals safeguard their assets and manage financial risks associated with accidents and property damage. Their focus on customer service is evident, as they boast a high customer retention rate and favorable reviews. Elephant Insurance is underwritten by Elephant Insurance Company and operates in several states, including Georgia, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. The company has not reported any recent funding, indicating a stable operational model.

Auto Insurance Underwriting Insights: Key Companies

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