Best Auto Insurance Companies That Do Not Lobby

Many major auto insurance companies lobby to influence government and encourage laws that work in the company's favor. The auto insurance industry has spent over $225 million in the past 30 years on lobbying, but there are auto insurance companies that don't lobby.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 6, 2022

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What You Should Know

  • Lobbying refers to an attempt made by an individual or a private company with particular interests in mind to influence and sway the opinions of a legislature and is a debatable topic in various industries
  • Several auto insurance companies to participate in lobbying for their benefit
  • If you are someone who does not want to do business with a company that uses lobbying tactics, you can switch to auto insurance companies that don’t lobby

When it comes to political influence, the car insurance industry is not an exception. The insurance industry is known for its aggressive lobbying tactics.

Some major insurance companies have spent more than $50,000 on lobbying in 2021. As a consumer, it is your right to know how an auto insurance company will be spending your payments.

In this article, we discuss lobbying, how it works in auto insurance companies, and some auto insurance companies that use lobbying tactics. If, after finding out that your auto insurance company does lobby, you are unsure about purchasing insurance from them, you can consider switching your car insurance company to one that does not use lobbying.

Compare various auto insurance companies that do not lobby and get a free quote from the one of your choice.

Understanding Lobbying

Lobbying is referred to as any attempt made by an individual, or any private company with particular interests to sway the opinion of a legislature. In the case of auto insurance companies, the companies donate to politicians whom they view to be more lenient towards a specific cause and can help in loosening or tightening regulations and getting preferential treatment in the insurance industry.

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How does a lobbyist change the insurance system?

Like other industries, lobbying in the auto insurance industry has been increasing over the years. Apart from the money that is involved in lobbying, insurance companies have found new ways to sway the public and political opinion. For example, some companies charge extra fees to individuals based on low incomes or lack of higher education. Here they wish to see a decline in the discounts given based on occupations to favor savings for all.

The American Property Casualty Insurance Association (APCIA) has launched a website that preserves the union, education, and social club discounts for private insurers to fight against persuading popular opinions.

Insurance companies generally lobby politicians to get a law passed that could be favorable for the company or block one that is inconvenient. The concept of lobbying has divided opinion and is a debatable topic.

How much do insurance companies spend on political donations?

The amount of money insurance companies spend on political donations can range from thousands to millions of dollars. The total contribution changes every year. According to a report by OpenSecrets, the amount of money that insurance companies have spent on lobbying politicians in the past years are as follows.

  • 1990: $14.1 Million
  • 2000: $42 Million
  • 2010: $45.5 Million
  • 2020: $125.1 Million

In 2022, the total contributions stand at $37 Million. In the past 30 years, these totals have been over $225 million.

Auto Insurance Companies That Lobby

The auto insurance industry is well-known for lobbying. There are quite a few renowned names on the list of companies that use lobbying tactics to get elected representatives of the state to pass laws and amendments to their benefit. If you are looking for an auto insurance company that does not lobby, you may want to skip the following companies from the list, even if they have affordable insurance options.

  • USAA
  • Allstate Insurance Company
  • State Farm Insurance
  • Nationwide Mutual Insurance Company
  • Liberty Mutual
  • The Travelers Companies

Each of these companies has spent over $2,000,000 in lobbying in the year 2021. Lobbying is a profitable business for some companies. If any law is restricting the company’s business, the company sees potential value in preventing the loss even if it requires them to donate millions of dollars.

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Best Auto Insurance Companies That Don’t Lobby

There are a few respectable auto insurance companies that do not lobby and yet have affordable insurance policies. If you are someone who does not want their payments to go into political donations and want to switch your insurance provider, you can check the companies that are mentioned below.

These companies offer excellent policy rates. The average monthly premium for Erie’s auto insurance is $100 and an average annual premium of $1,419 in comparison to the national monthly average of $138 and the national average annual rate of $1,655.

Metromile offers an average monthly premium of $40 and an additional per-mile fee of 5 cents. GEICO offers an average monthly premium of $40 for the minimum coverage, an average monthly premium of $98 for full coverage, and an average annual premium rate of $1,100. Progressive offers an average monthly premium of $124 on their car insurance.

The monthly average premium rates of all these companies are below the national monthly average and hence make an excellent deal.

Car Insurance Companies and Lobbying: The Final Verdict

If you have strong feelings about such political practices, you can look for quotes from auto insurance companies that do not lobby. Make sure that you compare auto insurance quotes from multiple insurance providers. Although the options might be fewer, you will feel better knowing that your insurance companies are focused on saving your money, giving you proper coverage, and not engaging in lobbying.

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