Choosing the right auto insurance company isn’t just about finding the lowest rate. Drivers need to find coverage that matches their needs, offers great customer service, and carriers with strong financial stability. Each state has its own risks, regulations, and providers. Below, we’ve put together a list of auto insurance companies in Colorado, Missouri, Tennessee, and Texas, plus a comparison table to help you see which top-rated carriers are available where when shopping for coverage.

What to Know Before Comparing Auto Insurance Companies

Not every driver needs the same insurer, which is why we’ve compiled our list of auto insurance companies. So that drivers like you can make an informed decision when shopping for coverage.

A family in Texas facing hailstorms, a commuter in Tennessee navigating urban traffic, and a homeowner in Colorado worried about snow and ice all have different priorities.

With this in mind, remember that shopping around for auto insurance is essential. Even the best carrier for your neighbor may not be the best for you.

Colorado Auto Insurance Companies

Colorado drivers face unique risks like hailstorms, icy roads, and high-altitude driving.

Insurers in the Centennial State include major national carriers like GEICO, State Farm, and Progressive, as well as regionally focused companies like Colorado Farm Bureau Mutual and Shelter Insurance.

Specialty providers like USAA for military families and Root, a telematics-based carrier, also serve this market.

Missouri Auto Insurance Companies

In Missouri, tornado risks and a mix of rural and urban drivers shape the insurance landscape.

State Farm, Progressive, and GEICO dominate, but strong local carriers like Shelter Insurance and Missouri Farm Bureau stand out for their regional expertise.

Non-standard insurers such as The General and Direct Auto also provide options for high-risk drivers in the Show Me State.

Tennessee Auto Insurance Companies

From Nashville traffic to storm-prone rural regions, Tennessee drivers have plenty of options. National names like Allstate, Travelers, and Progressive operate alongside local providers like Farm Bureau Insurance of Tennessee and Direct Auto.

However, specialty insurers like Erie and Alfa offer tailored policies, while USAA remains a strong choice for Veterans and their families living in the Volunteer State.

Texas Auto Insurance Companies

Drivers in the Lone Star State contend with hail, hurricanes, and some of the busiest highways in the country.

National carriers like State Farm, GEICO, and Progressive are widely available, while local leaders like Texas Farm Bureau Insurance and Germania deliver region-specific expertise.

However, Texans with luxury or specialty needs have Chubb and Fred Loya to round out the options.

Comparison Table: Auto Insurance Companies by State

Company	Colorado	Missouri	Tennessee	Texas
GEICO	✓	✓	✓	✓
State Farm	✓	✓	✓	✓
Progressive	✓	✓	✓	✓
Allstate	✓	✓	✓	✓
Farmers Insurance	✓	✓	✓	✓
Nationwide	✓	✓	✓	✓
Travelers	✓	✓	✓	✓
Liberty Mutual	✓			✓
American Family	✓	✓	✓	✓
USAA (Military Only)	✓	✓	✓	✓
The General	✓	✓	✓	✓
Farm Bureau	✓	✓	✓	✓
Shelter Insurance	✓	✓
Colorado Farm Bureau	✓
Texas Farm Bureau				✓
Direct Auto		✓	✓
Root Insurance	✓		✓	✓
Mercury Insurance		✓	✓	✓
Chubb	✓			✓
Erie Insurance			✓
Germania				✓
Clearcover	✓	✓		✓
Safeco	✓	✓	✓
Amica Mutual		✓	✓
Fred Loya				✓

Keep in mind that this is by no means a comprehensive list of every single auto insurance company that’s out there. Drivers have a lot of options, and in the long run, that’s a good thing.

More carriers mean more opportunities to save on coverage, with drivers having the opportunity to save as much as 40% if not more, by comparing their options.

Here at Free The Insurance, we pride ourselves on helping you compare auto insurance through a variety of carriers to gain a clearer picture of your protection options and pinpoint the cheapest possible coverage for your needs.

Narrowing Down Your List of Auto Insurance Companies

When reviewing your options, drivers should keep these steps in mind to ensure whichever brand they choose is the right one for their needs:

• Compare at least three quotes from different insurers.
• Ask about local risks and whether coverage fits your area.
• Look for discounts through bundling home and auto insurance, being a safe driver, or being in an organization like the military, as savings can add up.
• Review customer service ratings and claim satisfaction.
• Make sure the company has strong financial stability.

Sources:

III. Accessed October 2025.