Auto Insurance Companies That Don’t Lobby (2021)

If you're looking for auto insurance companies that don't lobby, you're likely looking to avoid having your monthly rates go to donations. Luckily, you can avoid the insurance companies who spent over $125 million on lobbying in 2020 by looking into quotes from car insurance companies that don't lobby. Some of the top insurance companies in the industry don't lobby, including GEICO and Progressive.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Dec 20, 2021

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A Concise Overview

  • Some top insurance companies don’t lobby
  • The insurance industry spent over $100 million lobbying in 2020
  • You can avoid having your money go to donations by choosing a car insurance company that doesn’t lobby

If you want to find car insurance companies that don’t lobby, you likely have strong feelings about the practice. While this may limit your choices, some top insurance companies don’t lobby with your payments.

If after finding out more about these companies, you’re unsure of how to switch your car insurance, consider reaching out to an agent.

If you’re looking for quotes for auto 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 auto insurance companies don’t lobby?

It’s not wrong to care about how an auto insurance company will be spending your payments. Like in many industries, your insurer could spend those payments lobbying legislators to impact the legal system surrounding insurance.

If you don’t want to pay rates to an auto insurance company that donates those funds to local legislators, that’s within your rights. However, this may limit what kind of insurer you can find, as many top insurers prefer to lobby legislators.

Some of the insurance companies that don’t lobby include:

  • Progressive
  • GEICO
  • Erie
  • Metromile

When your insurer is not worried about paying legislators, it can focus on looking out for its customers and spend your money on that effort.

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How does lobbying by auto insurance companies work?

An insurance company will often lobby politicians to get a more favorable law passed, or an inconvenient one blocked. The amount of money it spends can range from thousands of dollars to millions.

There is divided opinion on lobbying to impact laws that affect all consumers, and it is a heavily debated issue.

How much does the insurance industry spend on political donations?

The total political contribution from the insurance industry differs by year. According to OpenSecrets, these are the total donations that the insurance industry spent lobbying politicians in past years:

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

In case you’re wondering, this totals over $225 million in the last 30 years. Most of the insurance industry has a significant stake in the considerable changes in insurance in recent years.

Who are the biggest auto insurance companies that do lobby?

Auto insurance companies have as big a stake in legislation as their health insurance counterparts. According to OpenSecrets, some of the top insurance companies that donated to politicians in 2021 include:

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

Lobbying is a serious business to some insurers, and they’re willing to throw millions of dollars at politicians. If a law affects an insurance company’s income, they will potentially see more value in preventing the loss of profits for years than will be lost in donating.

What is political lobbying meant for?

Lobbying is when private companies or people with particular interests work together to sway a legislature’s opinion. Lobbying doesn’t always occur with money, but the most effective method has always been to pay.

For this reason, auto insurance companies will often donate to politicians they view as being more lenient towards a specific cause.

How does a lobbyist for auto insurance companies change the insurance system?

Insurance lobbying has increased exponentially in recent years, including in the auto insurance industry. Not only has the money put into lobbying increased, but many insurance companies have been coming up with new ways to sway public and political opinion.

For example, according to Consumer Watchdog, the insurance industry in California has been surcharging individuals based on low-income jobs or lack of higher education. The service wishes to see discounts given out to specific occupations and social clubs declined in favor of savings for all.

The American Property Casualty Insurance Association (APCIA) launched a website dedicated to preserving the union, education, and social club discounts for private insurers to combat this and sway popular opinion.

Auto Insurance Companies That Don’t Lobby: The Bottom Line

When looking for a car insurance company that doesn’t lobby, you’re likely to have fewer choices. However, you can feel a little better knowing that your rates will go towards saving you money and helping others while still providing you with coverage.

If you’re interested in getting rates for car insurance companies that don’t lobby, enter your ZIP code into our free quote tool to see what you could pay.

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