Each year new insurance companies start offering products in your state. Some insurance companies move out of the state or are acquired by another insurance company. Each individual state insurance regulator licenses auto insurance companies; there is currently no federal charter for insurance companies to file rates at a national level. Therefore, each company that writes insurance is licensed by each state regulator-even if they are a national company. CarInsurance.com is a licensed insurance agency in every state. CarInsurance.com is licensed by different insurance companies to offer you products online or over the phone.