8 Best Auto Insurance Companies That Don’t Lobby (2026)

Geico is the best auto insurance company that doesn’t lobby with the lowest rates for safe drivers.

If you want to buy auto insurance from companies that don’t lobby, you can, but your options will be slim. Only two national insurance companies don’t lobby. You’re more likely to find providers that don’t lobby in regional or usage-based auto insurance companies.

Our Top 8 Picks: Best Auto Insurance Companies That Don't Lobby

Geico, Progressive, and Erie are the best auto insurance companies that don’t lobby. Without spending money on politicking, these providers have the cheapest auto insurance rates in the country.

#1 – Geico: Top Pick Overall

Pros:

• National availability: Auto coverage in all 50 states and D.C.
• Superior financial strength: “A++” rating from A.M. Best
• Great mobile app: Highly rated on Google Play (4.6/5) and App Store (4.8/5)
• Usage-based savings: Find out how to save up to 25% in our Geico DriveEasy review
• EV discount: Save up to 10% driving an electric or energy-efficient car
• Cheap rates: Drivers pay $30/mo for minimum coverage

Cons:

• Expensive for high-risk drivers: Raises rates after a claim more than other companies
• UBI rate increases: DriveEasy raises rates for bad driving
• Poor claims satisfaction: Ranked below average the past two years in J.D. Power annual survey

#2 – Progressive: Best Loyalty Rewards

Pros:

• National availability: Auto coverage in all 50 states and D.C.
• Superior financial strength: “A+” rating from A.M. Best
• Pet injury coverage: Included with every collision policy
• Loyalty rewards: Small accident forgiveness automatically included
• EV discount: Save 5% driving an electric or energy-efficient vehicle
• Usage-based savings: Learn how to save up to 30% in our Progressive Snapshot review

Cons:

• Poor customer service: Below average customer satisfaction in every region
• UBI rate increases: Snapshot raises rates for bad driving

#3 – Erie: Best for Filing a Claim

Pros:

• Excellent claims service: #1 company for claims satisfaction
• Great customer service: #1 company in its region for customer satisfaction
• Erie Rate Lock Protection: No annual rate increases, even after a claim
• Usage-based savings: Erie YourTurn can save you up to 30%
• “Xtra Protection Features”: Full coverage includes pet and personal items coverage
• Superior financial strength: “A+” rating from A.M. Best (Read More: Erie Auto Insurance Review)

Cons:

• Limited availability: Coverage only in 12 states
• Limited UBI availability: YouTurn only in eight states

#4 – Mercury: Best for Low Rates

Pros:

• Excellent financial strength: “A” rating from A.M. Best
• Cheap rates: Drivers pay $30/mo for minimum coverage
• EV discount: Save 5% driving an electric or energy-efficient vehicle 
• Big usage-based discounts: MercuryGo saves drivers up to 50% (See More: Mercury Auto Insurance Review)

Cons:

• Limited availability: Coverage only in 11 states
• Limited UBI availability: MercuryGo only available in seven states

#5 – Auto-Owners: Best for Insurance Add-Ons

Pros:

• Superior financial strength: “A++” rating from A.M. Best
• Personal Automobile Plus: Add coverages like cell phone replacement and identity theft protection (Learn how in our Auto-Owners auto insurance review).
• Rental coverage: Auto-Owners covers fees if you’re in an accident in a rental
• Common loss deductibles: Homeowners enjoy reduced or waived deductibles

Cons:

• Limited availability: Coverage only in 26 states
• No usage-based car insurance: Discontinued UBI policies in 2023

#6 – Metromile: Best for Low-Mileage Drivers

Pros:

• Low-mileage discount: Drivers save around $950/yr (Learn More: Metromile Auto Insurance Review)
• No traditional rating factors: Mileage determines monthly rates, not age or gender
• Pet injury coverage: Included with full coverage

Cons:

• Limited availability: Auto coverage only in eight states
• No financial ratings: Small insurers don’t qualify for financial assessments

#7 – Amica: Best Customer Service

Pros:

• Superior financial strength: “A+” rating from A.M. Best (Learn More: Amica Auto Insurance Review)
• Great claims and customer satisfaction: Top three company in J.D. Power annual surveys
• Usage-based savings: Amica StreetSmart will not raise rates for bad driving
• Safe driving perks: StreetSmart app awards safe drivers with e-gift cards 

Cons:

• Spent $2,000 lobbying last year: Still considerably less than most companies
• Expensive: Rates are higher than average in most states

#8 – American Family: Best for Drivers With Claims

Pros:

• Excellent financial strength: “A” rating from A.M. Best (Read More: American Family Auto Insurance Review)
• Usage-based discount: Save up to 20% with American Family DriveMyWay
• EV discount: EVs save 5% and home charging stations get an additional 10%
• Affordable rates with claims: Low rates for drivers with at-fault accidents

Cons:

• Limited availability: Coverage only in 19 states
• Spent $138,475 lobbying last year: Still considerably less than most companies

The Best Auto Insurance Companies That Don’t Lobby

If you don’t want your money to fund car insurance companies’ political contributions, then look for providers who don’t lobby. These insurers are more likely to have cheaper rates because increased lobbying spending is one of the reasons why your car insurance keeps going up every year.

 Auto Insurance Companies That Don't Lobby by Provider & Coverage Level

These companies are all respected in the insurance industry, so if you’re worried about losing out on excellent rates with your current insurance company, don’t. You’re more likely to secure affordable auto insurance from companies that don’t lobby because those providers aren’t spending premiums on politicking.

Read More: Top 7 Auto Insurance Factors to Consider

Auto Insurance Companies That Do Lobby

According to OpenSecrets.org, the auto insurance companies listed below each spent over $1 million in lobbying last year:

• Allianz
• Allstate
• Chubb
• Liberty Mutual
• Nationwide
• State Farm
• Travelers
• USAA

Some of these companies have also made political contributions to particular candidates and political parties.

Companies That Spend the Most on Insurance Lobbying

When you look at lobbying spending by industry, insurance is the third biggest spender, contributing $158 million last year overall. Health insurance companies are the top contributors, but USAA and Liberty Mutual spent more than any other auto insurers last year:

• USAA: $3.7 million
• Liberty Mutual: $3 million
• State Farm: $2.8 million
• Allstate: $2.15 million
• Travelers: $2.14 million
• Nationwide: $2 million
• Allianz: $1.7 million 
• Chubb: $1.5 million

Nearly all of the 10 best insurance companies in the U.S. contribute millions of dollars in lobbying — Geico and Progressive are the only two national companies that do not.

If you want affordable auto insurance from a provider that doesn’t lobby, look at regional insurers. Lesser-known auto insurance companies in America that only operate in your state are less likely to lobby.

For example, Erie is only in 12 states but offers the lowest rates out of the car insurance companies that don’t lobby. Amica and American Family do lobby but spend far less than their competitors. 

Learn More:

• Are local and state auto insurance companies better than national?
• Are the major auto insurance companies better than the smaller ones?

Auto Insurance Lobbying Explained

Insurance companies cannot do whatever they like, and who oversees auto insurance companies is determined by state and federal laws.

For instance, state governments regulate how companies can determine rates and how much they can charge, while the federal government puts regulations in place to keep insurers from committing such wrongdoings as forming monopolies or selling consumer data.

Lobbying is par for the course of American politics because governments have such a big influence over the private industry. Through lobbying, insurance industry representatives endeavor to persuade legislative bodies to tighten or loosen regulations in their favor.

States With the Most Auto Insurance Lobbying

Lobby spending varies by state, with regulation changes impacting those who drive and work in New York, Ohio, and Wisconsin, and more and more weather-related claims affecting drivers in places like California and Florida.

In California especially, car insurance rates are going up due to increased lobbying after the state passed Proposition 103 to stop premium gouging. According to Consumer Watchdog, insurance lobbyists in California want a new, un-tested computer program to determine rates for both homeowners and auto insurance.

Learn more in our state car insurance guides:

• California Auto Insurance
• Florida Auto Insurance
• Ohio Auto Insurance
• New York Auto Insurance
• Wisconsin Auto Insurance

How to Find the Best Auto Insurance Companies That Don’t Lobby

If you’ve just discovered that your insurance company is going against your political beliefs, you can switch at any point. Some drivers are very conscious about how they spend their money politically, so if you don’t want to work with auto insurance companies that lobby, even affordable auto insurance may not be enough to keep you there.

Progressive is the largest auto insurance company in the U.S. that doesn’t lobby, so check out their website to get quotes.

Geico and Erie Insurance are also among the best auto insurance companies that don’t lobby. Metromile is the best for low-mileage drivers who just want to pay for insurance as they use it. You can compare quotes from all providers near you with our comparison tool below.

Remember that you will have more luck avoiding lobbyists if you shop with lesser-known auto insurance companies or non-standard providers. Non-standard insurers specialize in high-risk insurance, so rates can be higher, but not always for safe drivers. Use our guide to find out what non-standard auto insurance companies offer and get a complete list of non-standard insurance companies.

Before you switch, though, always be sure to get auto insurance quotes from at least three other companies and make sure that every discount you deserve has been applied to your quote.