Cheapest Car Insurance Companies That Don’t Lobby in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 27, 2022

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Key Takeaways

  • There are a few car insurance companies that don’t lobby
  • Your car insurance options may shrink, but you’ll still have plenty to choose from
  • Lobbying is meant to gain the favor of politicians and sway them to vote in the lobbyist’s interests

Are you looking for car insurance companies that don’t lobby? While your options will be decreased, plenty of companies still don’t lobby. It’s possible to get cheap car insurance from companies that don’t donate to politicians and use your money to better the company and local community.

Now that you know you can find car insurance companies that don’t lobby, enter your ZIP code into our free quote tool to see what you could pay for a policy today.

What are some auto insurance companies that don’t lobby?

When everything seems politically motivated nowadays, it makes sense that you would want to give your money to an insurer that doesn’t lobby with it. It can be hard to tell, but some car insurance companies have decided that changing laws through cash isn’t a great way to do business.

The car insurance companies that don’t lobby include:

  • Progressive
  • Eerie
  • Metromile

These car insurance companies use the rates the clients pay each month to provide better services, like discounts, while also investing in the local community. Instead of changing laws, these insurance companies believe in enacting positive change with the clients’ money into the policies.

What insurance companies do lobby?

Unfortunately, most insurance companies spend a great deal of money attempting to influence laws in certain states and on the federal level. As a tried and true method, insurers know the power of indirectly donating to politicians to get a favorable result.

Some of the car insurance companies that lobby to politicians include:

  • Allstate
  • Liberty Mutual
  • USAA
  • Nationwide

Many of the top insurance companies are happy to spend unbelievable amounts of money to win the favor of certain politicians. Unfortunately, this impacts laws that affect consumers’ daily lives, so it’s always wise to know where the company is spending its money.

What insurance companies lobby the most?

According to OpenSecrets, insurance is one of the groups that donates most heavily to politicians, with tens of millions of dollars spent each year lobbying. Some of the top car insurance companies political contributions include:

  • USAA – $3,130,000
  • Nationwide – $2,250,000
  • State Farm – $2,207,000
  • Liberty Mutual – $2,110,000

With just a sample selection, it’s easy to see how lobbying can accomplish results in the United States. With millions of dollars being sent to these politicians, it makes sense it would impact their decision-making process.

What states have the most car insurance lobbying?

Politicians openly accept donations from lobbying groups depending on their leniencies and the state legislature. Some of the top politicians elected at a state level have received large amounts of money from insurance lobbyists.

Using the same source, the top states with the most donations to politicians from insurance companies include:

  • New York
  • Florida
  • Ohio
  • Wisconsin

Except for New York, which generally leans Democratic, most of the state politicians receiving the largest donations come from Republican strongholds. Republicans have shown a tendency to keep laws and systems the way they are, so insurance companies could be contributing to support those same views.

What is lobbying?

Simply put, lobbying is when a person tries to influence a politician or group to support a particular idea. Of course, the insurance company can do this through favors, money, or sheer force of will. However, it’s usually the two former factors that spin the wheels of our democracy.

Companies know that lobbying with donations is the best way to get results in this system when it comes to politics and insurance.

Nearly all politicians receive donations from lobbyists, but that doesn’t mean they are beholden to those interests. It’s the hope of the lobbying group that the donations will sway a politician, but there is no guarantee that it will achieve the desired vote or result that the company is looking for.

Lobbying in Car Insurance: The Bottom Line

Lobbying is one of the most influential forces in America’s current political system, and it seems that insurance companies have locked onto that. If you’re looking for car insurance companies that don’t lobby, you’ll likely have fewer choices, but you can still find a quality insurance policy.

There are a few car insurance companies that don’t lobby, so enter your ZIP code into our free quote tool to see what you could pay for a policy today.

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