Best Auto Insurance Companies That Don’t Use Third-Party Consultants (2021)

Since the top insurers and the majority of smaller companies use consultants or brokers, finding auto insurance companies that use third-party consultants is simple. Consultants work with a variety of auto insurance companies to find the best policy for each individual driver. Although third-party consultants normally charge fees, auto insurance companies that use third-party consultants are not usually more expensive.

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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 insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 3, 2021

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Things to Remember

  • Car insurance consultants shop for coverage for drivers
  • Consultants don’t work for just one company; they compare rates from many different companies
  • Insurance consultants might charge a fee to either the driver or the car insurance company depending on the state

Car insurance consultants search for the best auto insurance companies to find coverage and rates that meet your needs.

Big and small insurers alike are among the auto insurance companies that use third-party consultants to help drivers find cheap coverage.

Shop around to find the most affordable auto insurance companies that use third-party consultants. Each company will offer different rates, so compare multiple companies to find the lowest rates.

Enter your ZIP code now to compare free quotes from auto insurance companies that use third-party consultants in your area.

What auto insurance companies use third-party consultants?

Third-party consultants or brokers don’t work for a specific auto insurance company. Instead, they work with many different companies to find drivers auto insurance that fits their needs.

All top insurance companies, and many smaller ones, allow third-party consultants to sell their policies. Consultants use your information to comparison shop for you.

The best way for drivers to find cheap auto insurance is to compare quotes from multiple companies. There are many factors that affect auto insurance rates, and each company will weigh them differently.

Rates will vary greatly from company to company. For example, this table shows you the average rates from top auto insurance companies based on coverage type.

Average Annual Auto Insurance Rates By Coverage Type
CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
Allstate$5,139.02$4,628.03$4,896.81
American Family$3,416.40$3,368.49$3,544.37
Farmers$4,494.13$3,922.47$4,166.22
GEICO$3,429.14$3,001.91$3,213.97
Liberty Mutual$6,356.04$5,805.75$6,058.57
Nationwide$3,505.37$3,394.83$3,449.80
Progressive$4,350.96$3,737.13$4,018.46
State Farm$3,454.80$3,055.40$3,269.80
Travelers$4,619.07$4,223.63$4,462.02
USAA$2,667.92$2,404.11$2,539.87

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Keep in mind that these rates are averages, and your personal factors will determine your rates.

Although rates from auto insurance companies that use third-party consultants aren’t usually more expensive, consultants do charge a fee for signing a driver up for coverage.

Usually, auto insurance companies pay the consulting fee, but some states allow the driver to be charged the fee.

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What information should be given to a third-party consultant for auto insurance?

In order to get auto insurance quotes, you will need to give out some personal information. Third-party consultants will then take that information to auto insurance companies for quotes.

According to the Insurance Information Institute, the information you will need to give in order to get an insurance quote includes:

  • Vehicle information such as make, model, and VIN
  • How many miles you drive each year
  • Your driver’s license number to pull your driving record
  • Your age
  • Where you live
  • How much auto insurance coverage you need

Using a third-party consultant can be very convenient. Although most auto insurance companies offer quotes online, you would have to go to each company’s site to get a quote. A consultant will do that for you.

Car insurance consultants are also very knowledgeable about auto insurance coverage. They can answer questions and make sure you have the correct coverage that fits your needs.

Auto Insurance Companies That Use Third-Party Consultants: The Bottom Line

It’s hard to find auto insurance companies that don’t use third-party consultants. Most insurance companies allow consultants to sell their coverage.

Using a consultant means that you only have to fill out your personal information once. The consultant then uses it on your behalf to get quotes.

If you don’t want to use a consultant, you can simply shop around on your own. Compare several companies to find the right coverage with the lowest price.

Enter your ZIP code now to compare quotes from car insurance companies that use third-party consultants for free today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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