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AM BEST'S MONTHLY INSURANCE MAGAZINE



Best's Rankings
Top Auto Writers

Ranked by 2019 direct premiums written.Special Section sponsored by LexisNexis.

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Top 25 U.S. Commercial Auto Writers

Ranked by 2019 direct premiums written.

($ Thousands)

2019
Rank
2018
Rank
Company / Group AMB# 2019 direct
premiums
written
% Change in
Premiums
Market Share (%) Adjusted Loss Ratios % of
Company
Premiums
2019 2018 2017 2019 2018 2017
1 1 Progressive Ins Group 000780 $5,578,099 26.6 12.3 10.8 8.8 62.3 59.5 63.8 14.2
2 2 Travelers Group 018674 2,798,420 9.1 6.2 6.3 6.3 70.9 73.9 65.4 10.0
3 3 Liberty Mutual Ins Cos 000060 1,888,126 5.0 4.2 4.4 4.8 89.1 79.4 93.0 5.3
4 4 Nationwide Group 005987 1,673,431 2.4 3.7 4.0 4.6 74.1 72.8 78.3 9.1
5 6 Old Republic Ins Group 000734 1,613,672 12.1 3.6 3.5 3.5 73.9 66.8 69.7 35.6
6 5 Berkshire Hathaway Ins 000811 1,568,586 3.6 3.5 3.7 3.3 69.0 61.4 57.7 3.4
7 7 Zurich Ins US PC Group 018549 1,426,525 3.9 3.1 3.4 4.7 69.3 79.7 79.6 11.1
8 8 Auto-Owners Ins Group 004354 1,129,050 11.6 2.5 2.5 2.4 64.4 65.9 64.4 12.6
9 10 Chubb INA Group 018498 967,252 30.5 2.1 1.8 2.3 58.2 80.0 61.4 4.1
10 18 Allstate Ins Group 000008 917,778 53.3 2.0 1.5 1.0 69.0 77.3 61.9 2.6
11 14 State Farm Group 000088 859,963 27.9 1.9 1.7 1.6 76.7 75.7 75.7 1.3
12 13 Hartford Ins Group 000048 775,900 13.9 1.7 1.7 1.7 69.0 57.3 71.0 6.1
13 9 Tokio Marine US PC Group 018733 771,450 1.1 1.7 1.9 2.0 67.0 67.0 62.6 8.8
14 15 Great Amer P & C Ins Group 004835 749,686 11.8 1.7 1.7 1.7 60.8 62.9 63.3 11.7
15 12 Cincinnati Ins Cos 004294 736,698 7.7 1.6 1.7 1.8 59.2 64.4 69.2 13.9
16 17 W. R. Berkley Ins Group 018252 715,052 15.9 1.6 1.5 1.5 59.5 60.6 60.8 11.3
17 16 Amer Intl Group 018540 679,094 5.3 1.5 1.6 1.9 105.1 94.5 100.7 4.8
18 20 Fairfax Financial (USA) Group 003116 651,061 16.5 1.4 1.4 1.2 65.0 67.7 62.8 9.3
19 19 Erie Ins Group 004283 635,743 11.7 1.4 1.4 1.4 76.9 71.2 62.3 8.5
20 22 Farmers Ins Group 000032 629,699 21.8 1.4 1.3 1.0 65.6 66.4 68.1 3.1
21 21 Selective Ins Group 003926 609,752 12.8 1.3 1.3 1.4 66.3 74.7 70.0 19.8
22 23 Sentry Ins Group 000086 557,248 13.9 1.2 1.2 1.2 66.8 79.4 74.0 21.6
23 28 CNA Ins Cos 018313 512,642 22.5 1.1 1.0 1.0 58.8 66.4 51.2 4.6
24 25 EMC Ins Cos 000346 504,732 12.3 1.1 1.1 1.2 58.2 68.2 73.9 27.9
25 27 Acuity, A Mutual Ins Co 000468 503,343 20.3 1.1 1.0 1.0 59.9 59.7 65.6 30.4
Top 25 Writers $29,453,002 12.7 64.9 64.2 64.6 69.1 70.2 70.9 6.9
Total U.S. P/C Industry $45,400,720 11.5 100.0 100.0 100.0 69.6 69.1 70.2 6.4

Reflects Grand Total (includes Canada and U.S. Territories).

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020

Top 25 U.S. Auto Liability Writers

Ranked by 2019 direct premiums written.

($ Thousands)

2019
Rank
2018
Rank
Company / Group AMB# 2019 direct
premiums
written
% Change in
Premiums
Market Share (%) Adjusted Loss Ratios % of
Company
Premiums
2019 2018 2017 2019 2018 2017
1 1 State Farm Group 000088 $24,862,636 -2.9 13.4 14.3 15.4 57.4 62.4 68.5 37.9
2 3 Progressive Ins Group 000780 24,423,916 16.6 13.1 11.7 10.3 61.5 60.6 62.3 62.3
3 2 Berkshire Hathaway Ins 000811 22,458,293 4.4 12.1 12.0 11.4 77.0 73.2 78.6 48.7
4 4 Allstate Ins Group 000008 14,361,143 4.8 7.7 7.7 7.8 61.7 59.8 62.2 41.0
5 6 USAA Group 004080 8,541,318 3.9 4.6 4.6 4.5 87.9 85.1 86.0 36.4
6 5 Liberty Mutual Ins Cos 000060 8,295,991 0.4 4.5 4.6 4.9 72.8 70.9 76.1 23.3
7 7 Farmers Ins Group 000032 7,012,207 2.8 3.8 3.8 4.0 62.4 63.5 65.1 34.0
8 9 Travelers Group 018674 5,169,295 5.4 2.8 2.7 2.7 65.6 66.1 67.1 18.5
9 8 Nationwide Group 005987 4,888,155 -5.5 2.6 2.9 3.4 62.3 62.4 71.9 26.5
10 10 Amer Family Ins Group 000124 3,678,138 -0.1 2.0 2.1 2.0 67.3 70.6 72.0 31.9
11 11 Auto-Owners Ins Group 004354 2,703,460 9.9 1.5 1.4 1.3 67.0 65.9 77.9 30.2
12 12 Kemper PC Companies 018908 2,454,467 10.2 1.3 1.2 1.1 61.8 64.6 67.1 61.2
13 14 Erie Ins Group 004283 2,232,509 4.6 1.2 1.2 1.2 75.0 73.7 68.3 29.8
14 13 Natl Gen Companies 018863 2,192,331 0.0 1.2 1.2 1.2 73.2 65.4 75.4 43.8
15 16 Auto Club Enterprises Ins Group 018515 2,043,320 6.6 1.1 1.1 1.0 74.6 74.5 74.2 45.2
16 15 Hartford Ins Group 000048 1,953,408 1.4 1.1 1.1 1.2 66.4 65.5 72.4 15.4
17 17 Mercury Gen Group 004524 1,822,865 6.2 1.0 1.0 1.0 62.7 68.6 62.2 48.8
18 18 CSAA Ins Group 018460 1,659,589 -0.7 0.9 0.9 0.9 63.2 66.3 70.5 40.5
19 19 MetLife Auto & Home Group 003933 1,455,660 0.5 0.8 0.8 0.8 69.2 62.2 63.9 37.8
20 20 Auto Club Group 000312 1,285,612 3.3 0.7 0.7 0.7 62.0 99.2 122.6 45.0
21 21 Sentry Ins Group 000086 1,277,681 8.3 0.7 0.7 0.6 64.2 67.2 64.8 49.4
22 25 Chubb INA Group 018498 1,237,234 25.6 0.7 0.6 0.6 60.3 76.3 60.9 5.3
23 24 Old Republic Ins Group 000734 1,157,440 15.1 0.6 0.6 0.5 78.5 70.0 72.2 25.5
24 23 Zurich Ins US PC Group 018549 1,066,154 1.7 0.6 0.6 0.8 68.4 79.9 65.7 8.3
25 26 Hanover Ins Group Prop & Cas Cos 004861 991,650 4.4 0.5 0.5 0.5 73.8 73.7 66.9 19.5
Top 25 Writers $149,224,472 4.3 80.1 79.9 79.9 66.7 67.0 70.6 34.7
Total U.S. P/C Industry $186,211,146 4.0 100.0 100.0 100.0 67.5 67.5 70.8 26.1

Reflects Grand Total (includes Canada and U.S. Territories).

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020

Top 25 U.S. Auto Physical Damage Writers

Ranked by 2019 direct premiums written.

($ Thousands)

2019 Rank 2018 Rank Company / Group AMB# 2019 direct premiums written % Change in Premiums Market Share (%) Adjusted Loss Ratios % of Company Premiums
2019 2018 2017 2019 2018 2017
1 1 State Farm Group 000088 $16,876,109 -0.9 14.9 15.7 16.5 68.8 63.4 69.5 25.7
2 2 Berkshire Hathaway Ins 000811 14,002,296 7.0 12.4 12.1 11.7 66.1 65.5 73.0 30.4
3 3 Progressive Ins Group 000780 12,179,955 15.8 10.8 9.7 8.7 63.2 62.6 65.5 31.1
4 4 Allstate Ins Group 000008 10,183,378 6.5 9.0 8.8 8.8 53.9 52.8 55.7 29.1
5 5 USAA Group 004080 6,689,881 7.1 5.9 5.8 5.7 74.5 76.2 79.5 28.5
6 6 Liberty Mutual Ins Cos 000060 5,293,945 -0.3 4.7 4.9 5.2 56.0 53.7 62.0 14.9
7 7 Farmers Ins Group 000032 4,150,834 -0.9 3.7 3.9 4.0 60.9 57.7 66.4 20.1
8 8 Nationwide Group 005987 3,030,864 -4.9 2.7 2.9 3.4 59.0 58.8 62.8 16.4
9 9 Travelers Group 018674 2,532,159 7.3 2.2 2.2 2.2 60.5 61.6 64.2 9.0
10 10 Amer Family Ins Group 000124 2,352,869 -0.1 2.1 2.2 2.2 63.5 68.5 68.6 20.4
11 11 Erie Ins Group 004283 1,787,512 8.1 1.6 1.5 1.5 72.2 71.1 68.8 23.9
12 12 Auto-Owners Ins Group 004354 1,741,315 10.3 1.5 1.5 1.3 65.4 66.0 66.3 19.4
13 13 Auto Club Enterprises Ins Group 018515 1,577,857 6.8 1.4 1.4 1.3 60.7 62.4 71.3 34.9
14 14 CSAA Ins Group 018460 1,331,669 -0.1 1.2 1.2 1.2 57.8 59.6 60.9 32.5
15 15 Natl Gen Companies 018863 1,314,003 2.0 1.2 1.2 1.2 53.6 54.8 56.9 26.2
16 17 Kemper PC Companies 018908 1,196,151 9.3 1.1 1.0 1.0 60.1 57.5 64.9 29.8
17 16 Mercury Gen Group 004524 1,184,390 2.2 1.1 1.1 1.0 59.9 60.6 65.4 31.7
18 18 MetLife Auto & Home Group 003933 1,093,012 2.0 1.0 1.0 1.0 55.5 53.3 58.5 28.4
19 19 Hartford Ins Group 000048 850,789 -1.8 0.8 0.8 0.9 56.1 59.7 62.3 6.7
20 21 Auto Club Group 000312 783,945 0.0 0.7 0.7 0.7 65.2 62.8 62.2 27.5
21 20 MAPFRE North America Group 018801 737,917 -7.4 0.7 0.7 0.8 56.5 61.0 61.6 29.4
22 22 Hanover Ins Group Prop & Cas Cos 004861 642,820 4.0 0.6 0.6 0.6 58.6 58.4 56.2 12.6
23 25 COUNTRY Financial PC Group 000302 539,847 6.1 0.5 0.5 0.5 64.6 63.7 62.5 20.5
24 24 Chubb INA Group 018498 537,743 -0.9 0.5 0.5 0.5 55.9 56.7 68.3 2.3
25 23 Amica Mutual Group 018522 505,830 -8.0 0.5 0.5 0.5 61.9 66.2 76.7 21.7
Top 25 Writers $93,117,090 4.4 82.4 82.3 82.3 63.3 62.0 66.8 22.3
Total U.S. P/C Industry $113,048,674 4.4 100.0 100.0 100.0 62.6 61.7 66.5 15.9

Reflects Grand Total (includes Canada and U.S. Territories).

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020 

Top 25 U.S. Private Passenger Auto Writers

Ranked by 2019 direct premiums written.

($ Thousands)

2019 Rank 2018 Rank Company / Group AMB# 2019 direct premiums written % Change in Premiums Market Share (%) Adjusted Loss Ratios % of Company Premiums
2019 2018 2017 2019 2018 2017
1 1 State Farm Group 000088 $40,878,781 -2.6 16.1 17.0 18.1 61.8 62.6 68.8 62.3
2 2 Berkshire Hathaway Ins 000811 34,892,004 5.5 13.7 13.4 12.8 73.0 70.7 77.1 75.7
3 3 Progressive Ins Group 000780 31,025,772 14.7 12.2 11.0 9.8 62.1 61.5 63.3 79.1
4 4 Allstate Ins Group 000008 23,626,743 4.3 9.3 9.2 9.3 58.1 56.4 59.5 67.5
5 5 USAA Group 004080 15,231,169 5.3 6.0 5.9 5.7 82.0 81.3 83.2 64.9
6 6 Liberty Mutual Ins Cos 000060 11,701,811 -0.6 4.6 4.8 5.0 62.6 61.8 67.2 32.9
7 7 Farmers Ins Group 000032 10,533,343 0.4 4.2 4.3 4.5 61.6 61.1 65.5 51.0
8 8 Nationwide Group 005987 6,245,588 -7.2 2.5 2.7 3.2 57.7 58.2 66.2 33.9
9 9 Amer Family Ins Group 000124 5,776,711 -0.4 2.3 2.4 2.3 64.9 69.6 70.7 50.2
10 10 Travelers Group 018674 4,903,033 4.4 1.9 1.9 1.9 60.0 59.7 66.6 17.5
11 11 Auto Club Enterprises Ins Group 018515 3,621,178 6.7 1.4 1.4 1.3 68.6 69.2 72.9 80.2
12 12 Erie Ins Group 004283 3,384,278 5.1 1.3 1.3 1.3 73.2 72.8 69.5 45.2
13 14 Kemper PC Companies 018908 3,379,883 9.6 1.3 1.3 1.1 61.6 62.1 65.8 84.3
14 15 Auto-Owners Ins Group 004354 3,315,724 9.6 1.3 1.2 1.1 67.1 66.0 76.4 37.0
15 13 Natl Gen Companies 018863 3,151,375 1.3 1.2 1.3 1.2 64.3 61.2 69.7 62.9
16 16 CSAA Ins Group 018460 2,991,258 -0.4 1.2 1.2 1.2 60.8 63.3 66.2 72.9
17 17 Mercury Gen Group 004524 2,790,376 4.2 1.1 1.1 1.1 61.1 64.8 62.5 74.7
18 18 MetLife Auto & Home Group 003933 2,467,219 -0.4 1.0 1.0 1.0 62.5 57.8 61.5 64.0
19 20 Auto Club Group 000312 2,051,891 1.9 0.8 0.8 0.8 62.7 85.2 99.3 71.9
20 19 Hartford Ins Group 000048 2,028,297 -3.9 0.8 0.9 1.0 61.2 65.5 68.7 16.0
21 21 MAPFRE North America Group 018801 1,514,528 -8.7 0.6 0.7 0.7 65.0 67.0 69.8 60.4
22 23 Hanover Ins Group Prop & Cas Cos 004861 1,277,114 6.1 0.5 0.5 0.5 68.7 67.7 64.6 25.1
23 22 Amica Mutual Group 018522 1,255,493 -8.0 0.5 0.6 0.6 66.6 69.9 75.4 53.8
24 24 COUNTRY Financial PC Group 000302 1,213,236 4.6 0.5 0.5 0.5 70.5 68.1 66.7 46.1
25 27 Sentry Ins Group 000086 1,119,010 6.1 0.4 0.4 0.4 58.7 58.9 60.1 43.3
Top 25 Writers $220,375,815 3.3 86.8 86.5 86.4 65.0 64.8 69.2 55.6
Total U.S. P/C Industry $253,859,101 2.9 100.0 100.0 100.0 65.0 64.7 69.0 35.6

Reflects Grand Total (includes Canada and U.S. Territories).

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020

Top 25 U.S. Total Auto Writers

Ranked by 2019 direct premiums written.

($ Thousands)

2019
Rank
2018
Rank
Company / Group AMB# 2019 direct
premiums
written
% Change in
Premiums
Market Share (%) Adjusted Loss Ratios % of
Company
Premiums
2019 2018 2017 2019 2018 2017
1 1 State Farm Group 000088 $41,738,744 -2.1 14.0 14.8 15.9 62.0 62.8 68.9 63.6
2 3 Progressive Ins Group 000780 36,603,871 16.3 12.2 11.0 9.7 62.1 61.3 63.4 93.3
3 2 Berkshire Hathaway Ins 000811 36,460,590 5.4 12.2 12.0 11.5 72.8 70.3 76.4 79.1
4 4 Allstate Ins Group 000008 24,544,521 5.5 8.2 8.1 8.2 58.5 56.9 59.6 70.1
5 5 USAA Group 004080 15,231,199 5.3 5.1 5.0 4.9 82.0 81.3 83.2 64.9
6 6 Liberty Mutual Ins Cos 000060 13,589,936 0.1 4.5 4.7 5.0 66.2 64.1 70.5 38.2
7 7 Farmers Ins Group 000032 11,163,042 1.4 3.7 3.8 4.0 61.8 61.3 65.6 54.1
8 8 Nationwide Group 005987 7,919,019 -5.3 2.7 2.9 3.4 61.1 61.1 68.4 42.9
9 9 Travelers Group 018674 7,701,453 6.0 2.6 2.5 2.5 63.9 64.6 66.2 27.5
10 10 Amer Family Ins Group 000124 6,031,006 -0.1 2.0 2.1 2.1 65.8 69.8 70.7 52.4
11 11 Auto-Owners Ins Group 004354 4,444,775 10.1 1.5 1.4 1.3 66.4 65.9 73.3 49.6
12 12 Erie Ins Group 004283 4,020,021 6.1 1.3 1.3 1.3 73.8 72.6 68.5 53.7
13 15 Kemper PC Companies 018908 3,650,618 9.9 1.2 1.2 1.1 61.2 62.3 66.4 91.1
14 14 Auto Club Enterprises Ins Group 018515 3,621,178 6.7 1.2 1.2 1.1 68.6 69.2 72.9 80.2
15 13 Natl Gen Companies 018863 3,506,334 0.7 1.2 1.2 1.2 65.9 61.5 68.6 70.0
16 17 Mercury Gen Group 004524 3,007,254 4.6 1.0 1.0 1.0 61.6 65.4 63.5 80.6
17 16 CSAA Ins Group 018460 2,991,258 -0.4 1.0 1.1 1.1 60.8 63.3 66.2 72.9
18 18 Hartford Ins Group 000048 2,804,197 0.4 0.9 1.0 1.1 63.3 63.7 69.2 22.1
19 19 MetLife Auto & Home Group 003933 2,548,672 1.2 0.9 0.9 0.9 63.3 58.4 61.6 66.2
20 20 Auto Club Group 000312 2,069,557 2.0 0.7 0.7 0.7 63.2 85.1 99.1 72.5
21 24 Chubb INA Group 018498 1,774,977 16.2 0.6 0.5 0.6 58.9 69.4 63.2 7.5
22 21 MAPFRE North America Group 018801 1,704,449 -8.8 0.6 0.7 0.7 64.8 66.6 69.7 68.0
23 23 Sentry Ins Group 000086 1,676,258 8.6 0.6 0.5 0.5 61.3 65.3 64.5 64.8
24 22 Hanover Ins Group Prop & Cas Cos 004861 1,634,469 4.2 0.6 0.6 0.5 67.8 67.7 62.7 32.1
25 25 Old Republic Ins Group 000734 1,613,672 12.1 0.5 0.5 0.5 73.9 66.8 69.7 35.6
Top 25 Writers $242,051,070 4.4 80.9 80.7 80.7 65.4 65.0 69.2 57.8
Total U.S. P/C Industry $299,259,821 4.1 100.0 100.0 100.0 65.7 65.3 69.2 42.0

Reflects Grand Total (includes Canada and U.S. Territories).

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020

U.S. Total All Auto Lines – Top Writers by State, Canada and U.S. Territories – 2019

Ranked by 2019 direct premiums written.

($ Thousands)

State 2019 Rank 2018 Rank No of Cos Direct
Premiums Written
% of Grand Total Premium % Change ALR1 DDCCE2 Market Share Leading Writer % Market Share Second Leader % Market Share
Agency Writer3 Direct Writer4
AL 24 24 582 $4,316,949 1.4 4.5 64.0 2.7 33.7 66.4 State Farm Group 19.9 Alfa Ins Group 11.9
AK 49 49 360 585,804 0.2 5.2 61.2 2.4 21.7 78.3 State Farm Group 25.7 Berkshire Hathaway Ins 17.1
AZ 15 15 637 6,273,480 2.1 6.0 65.4 1.9 36.3 63.7 Berkshire Hathaway Ins 14.7 State Farm Group 13.5
AR 32 31 551 2,539,568 0.8 2.6 61.1 1.7 33.4 66.6 State Farm Group 19.7 Southern Farm Bureau Casualty Group 11.5
CA 1 1 600 36,451,881 12.2 6.3 66.5 3.5 37.3 62.7 State Farm Group 11.2 Berkshire Hathaway Ins 9.5
CO 16 17 581 6,090,768 2.0 6.5 69.4 2.3 32.7 67.3 State Farm Group 15.3 Progressive Ins Group 12.1
CT 27 27 502 3,634,288 1.2 3.0 64.9 3.3 46.4 53.6 Berkshire Hathaway Ins 16.4 Progressive Ins Group 11.0
DE 41 41 479 1,088,360 0.4 3.7 70.8 3.5 39.6 60.4 State Farm Group 19.7 Berkshire Hathaway Ins 16.7
DC 52 52 406 450,968 0.2 6.4 63.4 1.9 29.5 70.5 Berkshire Hathaway Ins 31.8 State Farm Group 15.3
FL 3 3 617 24,230,908 8.1 2.2 72.3 4.9 43.7 56.4 Berkshire Hathaway Ins 22.8 Progressive Ins Group 20.6
GA 5 5 695 11,553,403 3.9 6.9 68.7 3.1 37.9 62.1 State Farm Group 18.7 Progressive Ins Group 13.6
HI 45 45 294 931,548 0.3 2.9 60.7 1.9 30.9 69.1 Berkshire Hathaway Ins 24.1 State Farm Group 16.0
ID 39 39 507 1,326,688 0.4 6.6 59.2 1.8 34.9 65.1 State Farm Group 11.6 Progressive Ins Group 10.8
IL 9 9 689 9,769,224 3.3 3.9 64.1 3.1 38.7 61.3 State Farm Group 23.9 Allstate Ins Group 10.6
IN 22 22 674 4,862,113 1.6 3.3 61.8 2.6 47.1 52.9 State Farm Group 17.3 Progressive Ins Group 12.3
IA 35 35 580 2,341,156 0.8 3.5 62.4 2.0 59.2 40.8 Progressive Ins Group 17.1 State Farm Group 15.8
KS 34 34 553 2,394,271 0.8 3.8 62.0 1.6 39.2 60.8 State Farm Group 15.3 Progressive Ins Group 12.4
KY 26 26 591 3,748,080 1.3 2.5 63.3 2.4 35.9 64.1 State Farm Group 18.9 KY Farm Bureau Group 16.3
LA 18 18 515 5,714,969 1.9 2.6 65.8 4.6 35.8 64.2 State Farm Group 25.7 Progressive Ins Group 16.0
ME 44 44 420 952,050 0.3 3.2 60.6 1.5 52.7 47.3 Progressive Ins Group 14.7 State Farm Group 10.8
MD 17 16 576 6,080,974 2.0 4.0 66.0 1.9 37.3 62.7 Berkshire Hathaway Ins 22.6 State Farm Group 15.6
MA 14 13 406 6,605,423 2.2 4.1 62.0 1.7 69.7 30.3 MAPFRE North America Group 20.6 Berkshire Hathaway Ins 11.9
MI 6 7 539 11,045,479 3.7 4.5 60.3 5.4 49.3 50.7 Progressive Ins Group 16.6 State Farm Group 14.8
MN 23 23 550 4,601,457 1.5 4.3 64.7 2.2 45.8 54.2 State Farm Group 19.4 Progressive Ins Group 17.1
MS 33 33 542 2,439,857 0.8 2.4 64.4 2.8 37.7 62.3 State Farm Group 19.5 Progressive Ins Group 12.6
MO 21 21 627 5,043,177 1.7 4.6 64.8 2.0 33.5 66.5 State Farm Group 17.8 Progressive Ins Group 11.8
MT 43 43 478 994,219 0.3 3.8 72.1 1.9 41.1 58.9 State Farm Group 17.1 Progressive Ins Group 14.0
NE 37 37 537 1,670,031 0.6 3.7 68.2 1.5 48.9 51.1 State Farm Group 16.3 Progressive Ins Group 14.3
NV 30 30 563 3,351,544 1.1 9.4 67.6 4.7 34.4 65.6 State Farm Group 14.3 Berkshire Hathaway Ins 14.2
NH 42 42 442 1,068,700 0.4 3.9 59.0 1.3 45.6 54.4 Progressive Ins Group 12.7 Berkshire Hathaway Ins 12.6
NJ 8 8 550 9,868,188 3.3 3.0 66.0 5.5 31.6 68.5 Berkshire Hathaway Ins 19.2 Progressive Ins Group 12.0
NM 36 36 520 1,809,951 0.6 5.6 60.7 2.4 36.6 63.4 State Farm Group 16.0 Progressive Ins Group 14.8
NY 4 4 589 17,072,463 5.7 2.4 69.9 5.9 38.8 61.2 Berkshire Hathaway Ins 27.6 Allstate Ins Group 12.1
NC 11 11 574 7,710,144 2.6 4.8 68.3 1.3 48.9 51.1 State Farm Group 12.3 Berkshire Hathaway Ins 11.4
ND 48 48 469 696,222 0.2 4.9 64.4 1.7 58.3 41.7 Progressive Ins Group 15.9 State Farm Group 9.5
OH 10 10 690 8,264,058 2.8 2.6 59.1 2.0 55.2 44.8 Progressive Ins Group 15.6 State Farm Group 15.2
OK 29 29 558 3,402,068 1.1 3.2 58.5 2.5 35.1 64.9 State Farm Group 18.9 Progressive Ins Group 12.4
OR 28 28 563 3,618,119 1.2 2.9 61.8 2.7 34.7 65.3 State Farm Group 16.5 Progressive Ins Group 15.5
PA 7 6 675 11,031,154 3.7 2.2 64.9 2.8 51.8 48.2 State Farm Group 15.7 Erie Ins Group 12.9
RI 40 40 438 1,112,018 0.4 2.5 66.6 2.3 49.1 50.9 Progressive Ins Group 22.9 Berkshire Hathaway Ins 11.9
SC 20 20 602 5,093,641 1.7 4.6 65.4 2.0 38.3 61.7 State Farm Group 19.0 Berkshire Hathaway Ins 12.9
SD 46 46 477 745,056 0.2 5.5 61.8 1.2 55.1 44.9 State Farm Group 14.4 Progressive Ins Group 14.3
TN 19 19 662 5,292,196 1.8 4.6 62.8 2.4 37.7 62.3 State Farm Group 17.3 TN Farmers Ins Cos 14.0
TX 2 2 705 27,879,631 9.3 4.0 66.9 3.2 41.4 58.7 Progressive Ins Group 13.9 State Farm Group 12.2
UT 31 32 559 2,611,683 0.9 6.2 66.5 2.2 41.8 58.2 State Farm Group 12.2 Allstate Ins Group 10.5
VT 51 51 418 473,911 0.2 2.3 55.5 1.3 57.3 42.7 Progressive Ins Group 17.6 Berkshire Hathaway Ins 13.0
VA 12 12 624 6,764,637 2.3 3.7 65.6 2.0 40.5 59.5 Berkshire Hathaway Ins 17.6 State Farm Group 13.1
WA 13 14 582 6,611,394 2.2 5.8 63.5 2.9 35.6 64.4 State Farm Group 13.6 Progressive Ins Group 11.4
WV 38 38 476 1,495,900 0.5 1.5 60.8 1.7 49.7 50.3 State Farm Group 21.4 Erie Ins Group 14.9
WI 25 25 600 4,018,355 1.3 3.3 61.7 2.1 55.5 44.5 Progressive Ins Group 17.4 Amer Family Ins Group 15.6
WY 50 50 434 541,453 0.2 6.5 74.6 1.3 37.7 62.3 State Farm Group 17.2 Progressive Ins Group 15.2
Guam 55 54 26 54,180 0.0 -21.8 49.9 5.2 77.1 22.9 Chung Kuo Ins Co Ltd GUB 23.0 USAA Group 22.9
Puerto Rico 47 47 68 697,539 0.2 -0.3 57.7 0.8 67.4 32.7 Universal Ins Group of Puerto Rico 37.5 Coop de Seguros Multiples PR 31.8
U.S. Virgin Is. 56 56 38 48,951 0.0 20.3 53.5 4.0 87.7 12.3 Underwriters at Lloyd's, London (VI) 42.5 Guardian Ins Group 37.3
Canada 53 53 38 100,123 0.0 19.3 -99.9 -1.6 78.0 22.0 CNA Ins Cos 29.3 Liberty Mutual Ins Cos 21.4
Other 54 55 101 85,001 0.0 22.9 45.5 0.0 89.4 10.6 Natl Unity Ins Co 28.1 New Horizon Ins Co 20.2
N. Mariana Is. 57 57 9 4,446 0.0 8.6 38.2 13.6 100.0 0.0 DB Ins US Group 29.7 Tokio Marine US PC Group 29.5
Grand Total 1,471 $299,259,821 100.0 4.1 65.7 3.2 41.6 58.4 State Farm Group 13.9 Progressive Ins Group 12.2

1. ALR: Adjusted loss ratio is direct losses incurred divided by the difference between direct premium earned and dividends paid to policyholder.

2. DDCCE: Direct defense and cost containment expense ratio is the former allocated loss adjustment expense (ALAE) ratio.

3. Insurers that distribute primarily through independent agents.

4. Insurers that distribute primarily through a direct-selling system or an exclusive agency system.

Note: Data for some companies in this report has been received from the NAIC.

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020

U.S. Auto Liability – Top Writers by State, Canada and U.S. Territories – 2019

Ranked by 2019 direct premiums written.

($ Thousands)

State 2019 Rank 2018 Rank No of Cos Direct
Premiums Written
% of Grand Total Premium % Change ALR1 DDCCE2 Market Share Leading Writer % Market Share Second Leader % Market Share
Agency Writer3 Direct Writer4
AL 24 26 560 $2,510,084 1.3 4.5 66.9 4.4 38.1 61.9 State Farm Group 18.8 Progressive Ins Group 11.0
AK 46 46 348 350,781 0.2 3.7 64.1 3.7 24.6 75.4 State Farm Group 25.5 Berkshire Hathaway Ins 17.2
AZ 14 16 623 3,960,656 2.1 6.7 65.4 2.8 39.0 61.0 Berkshire Hathaway Ins 14.6 Progressive Ins Group 14.0
AR 32 32 530 1,423,050 0.8 1.9 63.2 2.7 38.1 61.9 State Farm Group 18.1 Progressive Ins Group 10.8
CA 1 1 578 22,239,284 11.9 7.4 68.6 5.5 40.4 59.6 State Farm Group 10.8 Farmers Ins Group 9.5
CO 18 18 557 3,702,714 2.0 5.2 69.0 3.7 35.0 65.0 State Farm Group 14.5 Progressive Ins Group 12.7
CT 28 27 486 2,393,749 1.3 3.2 68.1 4.9 48.1 52.0 Berkshire Hathaway Ins 16.3 Progressive Ins Group 12.3
DE 39 39 463 767,437 0.4 3.4 72.4 4.8 41.9 58.1 State Farm Group 19.5 Berkshire Hathaway Ins 16.7
DC 49 50 396 276,622 0.1 8.6 62.9 3.0 34.5 65.5 Berkshire Hathaway Ins 28.7 State Farm Group 14.4
FL 2 2 589 17,618,498 9.5 1.6 76.9 6.5 45.7 54.3 Progressive Ins Group 21.1 Berkshire Hathaway Ins 21.1
GA 5 5 672 7,737,748 4.2 7.1 74.4 4.5 39.8 60.2 State Farm Group 18.2 Progressive Ins Group 14.3
HI 43 43 279 553,807 0.3 1.5 59.8 2.9 35.0 65.0 Berkshire Hathaway Ins 22.8 State Farm Group 15.8
ID 40 41 483 765,050 0.4 5.6 60.5 2.8 37.7 62.3 Progressive Ins Group 12.1 State Farm Group 11.0
IL 9 9 669 5,821,373 3.1 3.2 64.2 5.0 42.7 57.3 State Farm Group 21.7 Allstate Ins Group 9.6
IN 22 21 650 2,874,461 1.5 3.1 61.0 4.2 49.6 50.4 State Farm Group 16.0 Progressive Ins Group 13.1
IA 35 35 553 1,181,867 0.6 3.1 61.3 3.6 61.3 38.7 Progressive Ins Group 19.0 State Farm Group 14.5
KS 34 34 531 1,265,210 0.7 3.3 62.0 2.7 42.6 57.5 State Farm Group 13.8 Progressive Ins Group 13.6
KY 26 25 576 2,469,242 1.3 2.3 65.5 3.5 37.8 62.2 State Farm Group 17.8 KY Farm Bureau Group 15.3
LA 15 14 503 3,865,290 2.1 2.8 69.3 6.7 39.4 60.6 State Farm Group 24.0 Progressive Ins Group 16.7
ME 44 44 407 520,648 0.3 1.9 62.6 2.5 55.2 44.8 Progressive Ins Group 16.2 State Farm Group 10.5
MD 17 17 555 3,762,437 2.0 4.0 67.3 2.9 40.4 59.6 Berkshire Hathaway Ins 21.7 State Farm Group 15.5
MA 16 15 387 3,860,976 2.1 3.9 64.1 2.6 70.6 29.4 MAPFRE North America Group 19.9 Berkshire Hathaway Ins 12.7
MI 6 7 517 7,173,131 3.9 6.2 55.8 8.1 49.2 50.8 Progressive Ins Group 17.6 State Farm Group 15.7
MN 23 23 531 2,610,688 1.4 3.2 60.1 3.7 47.7 52.3 Progressive Ins Group 18.7 State Farm Group 18.2
MS 33 33 525 1,419,433 0.8 2.7 67.0 4.5 41.6 58.4 State Farm Group 17.5 Progressive Ins Group 13.9
MO 21 22 597 2,892,753 1.6 4.0 65.3 3.2 37.1 62.9 State Farm Group 16.3 Progressive Ins Group 12.9
MT 45 45 454 516,247 0.3 3.4 59.5 3.0 43.7 56.3 State Farm Group 15.7 Progressive Ins Group 15.3
NE 37 37 517 895,015 0.5 3.3 62.3 2.6 50.8 49.2 Progressive Ins Group 16.6 State Farm Group 15.2
NV 27 29 549 2,452,481 1.3 10.7 70.8 6.4 36.6 63.4 Berkshire Hathaway Ins 13.9 Progressive Ins Group 13.7
NH 42 42 430 570,329 0.3 2.9 60.3 2.3 48.0 52.0 Progressive Ins Group 13.2 Berkshire Hathaway Ins 13.1
NJ 7 6 532 7,012,503 3.8 2.6 67.9 7.5 34.0 66.0 Berkshire Hathaway Ins 18.2 Progressive Ins Group 12.7
NM 36 36 500 1,148,571 0.6 5.2 60.3 3.6 38.8 61.3 State Farm Group 15.6 Progressive Ins Group 15.2
NY 4 4 573 11,494,240 6.2 1.9 73.4 8.5 41.3 58.7 Berkshire Hathaway Ins 26.0 Allstate Ins Group 11.9
NC 12 12 551 4,216,326 2.3 4.1 75.6 2.2 50.8 49.2 State Farm Group 12.2 Berkshire Hathaway Ins 10.7
ND 48 49 447 325,225 0.2 4.7 57.6 2.2 61.8 38.2 Progressive Ins Group 17.9 State Farm Group 8.6
OH 10 10 673 4,780,872 2.6 2.3 57.7 3.2 57.8 42.2 Progressive Ins Group 17.0 State Farm Group 13.9
OK 30 30 543 1,915,895 1.0 2.5 60.6 4.1 39.0 61.0 State Farm Group 17.0 Progressive Ins Group 13.2
OR 25 24 542 2,477,857 1.3 2.2 62.5 3.8 36.2 63.8 Progressive Ins Group 16.5 State Farm Group 15.7
PA 8 8 655 6,338,077 3.4 1.2 63.5 4.6 53.5 46.5 State Farm Group 14.5 Progressive Ins Group 12.5
RI 41 40 428 739,584 0.4 1.1 67.6 3.2 51.8 48.2 Progressive Ins Group 25.6 Berkshire Hathaway Ins 11.3
SC 19 19 579 3,303,083 1.8 4.7 69.2 2.9 40.8 59.2 State Farm Group 18.5 Progressive Ins Group 13.1
SD 47 47 460 341,286 0.2 3.2 59.2 2.5 57.8 42.2 Progressive Ins Group 15.5 State Farm Group 13.6
TN 20 20 642 2,994,801 1.6 4.3 62.9 3.8 40.9 59.1 State Farm Group 16.2 TN Farmers Ins Cos 12.5
TX 3 3 685 16,532,342 8.9 4.0 69.9 5.3 46.1 54.0 Progressive Ins Group 14.1 State Farm Group 11.9
UT 31 31 536 1,681,083 0.9 6.6 69.1 3.3 43.6 56.4 State Farm Group 11.6 Progressive Ins Group 10.2
VT 52 52 409 236,411 0.1 1.1 56.4 2.2 60.7 39.3 Progressive Ins Group 19.5 Berkshire Hathaway Ins 11.8
VA 13 13 600 3,998,374 2.1 3.3 67.3 3.3 44.4 55.6 Berkshire Hathaway Ins 16.7 Progressive Ins Group 12.6
WA 11 11 558 4,397,650 2.4 5.3 65.3 4.1 37.0 63.0 State Farm Group 13.0 Progressive Ins Group 11.9
WV 38 38 461 848,409 0.5 0.3 60.6 2.8 52.7 47.3 State Farm Group 19.9 Erie Ins Group 13.8
WI 29 28 581 2,270,943 1.2 1.9 59.8 3.4 56.6 43.4 Progressive Ins Group 18.1 Amer Family Ins Group 15.3
WY 51 51 417 252,420 0.1 3.6 64.4 2.4 42.3 57.7 Progressive Ins Group 16.7 State Farm Group 15.6
Guam 56 56 26 14,488 0.0 -16.5 90.4 9.2 81.6 18.4 DB Ins US Group 27.1 USAA Group 18.4
Puerto Rico 50 48 66 256,363 0.1 -17.9 62.2 2.0 71.8 28.2 Universal Ins Group of Puerto Rico 33.8 Coop de Seguros Multiples PR 26.7
U.S. Virgin Is. 55 55 36 33,661 0.0 20.3 55.6 4.9 95.5 4.5 Underwriters at Lloyd's, London (VI) 51.4 Guardian Ins Group 36.4
Canada 53 53 35 75,679 0.0 19.5 -99.9 -1.4 78.4 21.6 CNA Ins Cos 25.7 Travelers Group 21.1
Other 54 54 95 72,151 0.0 22.7 39.5 7.8 96.8 3.2 Natl Unity Ins Co 33.1 New Horizon Ins Co 23.4
N. Mariana Is. 57 57 9 1,794 0.0 8.0 52.1 29.5 100.0 0.0 DB Ins US Group 36.2 Tokio Marine US PC Group 29.7
Grand Total 1,444 $186,211,146 100.0 4.0 67.5 5.0 44.0 56.0 State Farm Group 13.4 Progressive Ins Group 13.1

1. ALR: Adjusted loss ratio is direct losses incurred divided by the difference between direct premium earned and dividends paid to policyholder.

2. DDCCE: Direct defense and cost containment expense ratio is the former allocated loss adjustment expense (ALAE) ratio.

3. Insurers that distribute primarily through independent agents.

4. Insurers that distribute primarily through a direct-selling system or an exclusive agency system.

Note: Data for some companies in this report has been received from the NAIC.

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020

U.S. Auto Physical Damage – Top Writers by State, Canada and U.S. Territories – 2019

Ranked by 2019 direct premiums written.

($ Thousands)

State 2019 Rank 2018 Rank No of Cos Direct
Premiums Written
% of Grand Total Premium % Change ALR1 DDCCE2 Market Share Leading Writer % Market Share Second Leader % Market Share
Agency Writer3 Direct Writer4
AL 23 23 487 $1,806,865 1.6 4.5 59.9 0.3 27.5 72.5 State Farm Group 21.4 Alfa Ins Group 13.9
AK 51 51 271 235,022 0.2 7.6 56.8 0.4 17.4 82.6 State Farm Group 26.0 USAA Group 17.5
AZ 16 15 536 2,312,824 2.0 5.0 65.4 0.3 31.7 68.3 Berkshire Hathaway Ins 15.0 State Farm Group 14.8
AR 32 32 457 1,116,518 1.0 3.4 58.4 0.3 27.4 72.6 State Farm Group 21.6 Southern Farm Bureau Casualty Group 13.6
CA 1 1 506 14,212,597 12.6 4.5 63.4 0.4 32.5 67.5 State Farm Group 12.0 Berkshire Hathaway Ins 10.8
CO 14 16 480 2,388,054 2.1 8.5 70.1 0.2 29.2 70.8 State Farm Group 16.6 USAA Group 11.6
CT 28 28 427 1,240,540 1.1 2.5 58.7 0.3 43.2 56.8 Berkshire Hathaway Ins 16.5 Allstate Ins Group 10.4
DE 48 48 373 320,924 0.3 4.6 66.9 0.3 34.2 65.8 State Farm Group 20.4 Berkshire Hathaway Ins 16.9
DC 52 52 307 174,346 0.2 3.2 64.2 0.3 21.6 78.4 Berkshire Hathaway Ins 36.8 State Farm Group 16.6
FL 3 3 512 6,612,410 5.8 3.7 60.1 0.8 38.2 61.8 Berkshire Hathaway Ins 27.3 Progressive Ins Group 19.4
GA 8 8 596 3,815,655 3.4 6.5 57.4 0.3 33.9 66.1 State Farm Group 19.7 Berkshire Hathaway Ins 13.3
HI 45 45 213 377,741 0.3 4.9 62.0 0.4 24.9 75.1 Berkshire Hathaway Ins 26.1 State Farm Group 16.3
ID 39 39 416 561,638 0.5 7.9 57.5 0.4 31.1 68.9 State Farm Group 12.4 Farm Bureau of ID Group 11.0
IL 6 7 594 3,947,851 3.5 5.0 63.9 0.4 32.8 67.2 State Farm Group 27.1 Allstate Ins Group 12.0
IN 21 20 571 1,987,652 1.8 3.6 62.8 0.3 43.6 56.4 State Farm Group 19.1 Progressive Ins Group 11.1
IA 29 29 471 1,159,290 1.0 4.0 63.4 0.3 57.1 42.9 State Farm Group 17.2 Progressive Ins Group 15.3
KS 31 31 457 1,129,061 1.0 4.4 61.9 0.3 35.5 64.5 State Farm Group 16.9 Progressive Ins Group 11.0
KY 27 27 467 1,278,839 1.1 2.8 58.9 0.3 32.2 67.8 State Farm Group 20.8 KY Farm Bureau Group 18.0
LA 22 22 406 1,849,679 1.6 2.1 58.6 0.4 28.4 71.7 State Farm Group 29.2 Progressive Ins Group 14.4
ME 43 42 352 431,402 0.4 4.8 58.2 0.3 49.8 50.2 Progressive Ins Group 12.9 State Farm Group 11.1
MD 15 14 474 2,318,537 2.1 4.0 64.0 0.2 32.3 67.7 Berkshire Hathaway Ins 24.1 State Farm Group 15.6
MA 13 13 321 2,744,447 2.4 4.3 58.9 0.6 68.5 31.5 MAPFRE North America Group 21.7 Liberty Mutual Ins Cos 11.1
MI 7 6 439 3,872,349 3.4 1.5 68.4 0.4 49.4 50.6 Auto Club Group 14.9 Progressive Ins Group 14.7
MN 20 21 473 1,990,770 1.8 5.7 70.7 0.3 43.3 56.8 State Farm Group 20.9 Progressive Ins Group 14.9
MS 33 33 438 1,020,424 0.9 2.1 60.6 0.4 32.2 67.8 State Farm Group 22.1 Progressive Ins Group 10.8
MO 19 19 529 2,150,425 1.9 5.4 64.1 0.3 28.7 71.3 State Farm Group 19.8 Amer Family Ins Group 10.7
MT 41 41 382 477,972 0.4 4.3 85.7 0.8 38.2 61.8 State Farm Group 18.7 Liberty Mutual Ins Cos 12.8
NE 36 36 427 775,016 0.7 4.1 75.2 0.2 46.7 53.3 State Farm Group 17.6 Progressive Ins Group 11.7
NV 35 35 449 899,062 0.8 6.1 59.0 0.3 28.3 71.7 State Farm Group 16.7 Berkshire Hathaway Ins 15.2
NH 40 40 376 498,371 0.4 5.0 57.6 0.3 42.9 57.2 Progressive Ins Group 12.2 Berkshire Hathaway Ins 12.1
NJ 11 11 453 2,855,685 2.5 4.0 61.3 0.5 25.6 74.5 Berkshire Hathaway Ins 21.6 NJM Ins Group 12.7
NM 37 38 424 661,380 0.6 6.3 61.4 0.4 32.8 67.2 State Farm Group 16.7 Progressive Ins Group 14.2
NY 4 4 483 5,578,223 4.9 3.3 62.6 0.3 33.8 66.2 Berkshire Hathaway Ins 30.8 Allstate Ins Group 12.5
NC 9 10 462 3,493,817 3.1 5.8 59.6 0.2 46.6 53.4 State Farm Group 12.4 Berkshire Hathaway Ins 12.3
ND 47 47 390 370,996 0.3 5.0 70.4 1.3 55.2 44.8 Progressive Ins Group 14.2 State Farm Group 10.3
OH 10 9 566 3,483,185 3.1 3.1 61.2 0.3 51.7 48.3 State Farm Group 16.9 Progressive Ins Group 13.5
OK 26 26 454 1,486,173 1.3 4.1 55.8 0.4 30.2 69.8 State Farm Group 21.4 Progressive Ins Group 11.5
OR 30 30 449 1,140,262 1.0 4.4 60.2 0.3 31.6 68.4 State Farm Group 18.3 Progressive Ins Group 13.5
PA 5 5 573 4,693,077 4.2 3.6 66.7 0.3 49.5 50.5 State Farm Group 17.3 Erie Ins Group 14.8
RI 46 46 359 372,434 0.3 5.3 64.5 0.5 43.6 56.4 Progressive Ins Group 17.5 Berkshire Hathaway Ins 12.9
SC 24 24 499 1,790,558 1.6 4.4 58.3 0.2 33.7 66.3 State Farm Group 20.0 Berkshire Hathaway Ins 13.5
SD 44 44 387 403,771 0.4 7.6 64.0 0.2 52.8 47.2 State Farm Group 15.2 Progressive Ins Group 13.3
TN 17 17 552 2,297,395 2.0 4.9 62.6 0.6 33.6 66.4 State Farm Group 18.8 TN Farmers Ins Cos 16.0
TX 2 2 579 11,347,288 10.0 3.9 62.7 0.3 34.5 65.5 Progressive Ins Group 13.7 Allstate Ins Group 12.9
UT 34 34 465 930,600 0.8 5.5 61.6 0.3 38.5 61.5 State Farm Group 13.3 Allstate Ins Group 11.6
VT 50 50 325 237,501 0.2 3.7 54.6 0.3 53.9 46.1 Progressive Ins Group 15.7 Berkshire Hathaway Ins 14.2
VA 12 12 538 2,766,264 2.4 4.1 63.3 0.2 35.0 65.0 Berkshire Hathaway Ins 18.9 State Farm Group 13.9
WA 18 18 487 2,213,744 2.0 6.9 59.9 0.5 32.8 67.2 State Farm Group 14.8 Liberty Mutual Ins Cos 11.8
WV 38 37 368 647,492 0.6 3.1 61.1 0.3 45.8 54.2 State Farm Group 23.4 Erie Ins Group 16.4
WI 25 25 505 1,747,412 1.5 5.2 64.1 0.3 54.0 46.0 Progressive Ins Group 16.5 Amer Family Ins Group 16.0
WY 49 49 349 289,033 0.3 9.2 83.6 0.3 33.7 66.3 State Farm Group 18.5 Progressive Ins Group 13.9
Guam 53 53 19 39,692 0.0 -23.6 35.1 3.7 75.5 24.5 Amer Intl Group 28.8 USAA Group 24.5
Puerto Rico 42 43 54 441,176 0.4 13.8 55.1 0.2 64.8 35.2 Universal Ins Group of Puerto Rico 39.6 Coop de Seguros Multiples PR 34.8
U.S. Virgin Is. 55 55 27 15,289 0.0 20.4 48.8 1.9 70.5 29.5 Guardian Ins Group 39.2 USAA Group 29.4
Canada 54 54 22 24,444 0.0 18.8 4.1 -2.3 76.8 23.2 CNA Ins Cos 40.7 Liberty Mutual Ins Cos 23.1
Other 56 56 51 12,850 0.0 23.8 85.2 -49.0 47.6 52.4 USAA Group 52.3 Amer Intl Group 39.3
N. Mariana Is. 57 57 7 2,652 0.0 9.0 28.3 2.3 100.0 0.0 Tokio Marine US PC Group 29.3 DB Ins US Group 25.3
Grand Total 1,339 $113,048,674 100.0 4.4 62.6 0.4 37.6 62.4 State Farm Group 14.9 Berkshire Hathaway Ins 12.4

1. ALR: Adjusted loss ratio is direct losses incurred divided by the difference between direct premium earned and dividends paid to policyholder.

2. DDCCE: Direct defense and cost containment expense ratio is the former allocated loss adjustment expense (ALAE) ratio.

3. Insurers that distribute primarily through independent agents.

4. Insurers that distribute primarily through a direct-selling system or an exclusive agency system.

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020

U.S. Private Passenger Auto – Top Writers by State, Canada and U.S. Territories – 2019

Ranked by 2019 direct premiums written.

($ Thousands)

State 2019 Rank 2018 Rank No of Cos Direct
Premiums Written
% of Grand Total % Change in Premiums ALR1 DDCCE2 Market Share Leading Writer % Market Share Second Leader % Market Share
Agency Writer3 Direct Writer4
AL 24 24 258 $3,692,135 1.5 3.7 62.2 2.0 25.2 74.9 State Farm Group 23.0 Alfa Ins Group 13.6
AK 49 49 141 508,470 0.2 4.6 61.9 2.1 14.6 85.5 State Farm Group 29.0 Berkshire Hathaway Ins 18.4
AZ 15 15 330 5,553,856 2.2 5.1 65.2 1.5 30.4 69.6 Berkshire Hathaway Ins 16.2 State Farm Group 14.8
AR 32 32 246 2,106,860 0.8 1.7 61.2 1.0 23.6 76.4 State Farm Group 23.4 Southern Farm Bureau Casualty Group 13.2
CA 1 1 313 31,122,151 12.3 4.1 65.2 2.9 29.6 70.4 State Farm Group 12.8 Farmers Ins Group 10.5
CO 17 17 279 5,321,908 2.1 5.7 69.6 2.0 26.0 74.0 State Farm Group 17.3 Progressive Ins Group 11.5
CT 27 27 258 3,146,959 1.2 2.1 65.1 3.0 41.5 58.5 Berkshire Hathaway Ins 18.4 Progressive Ins Group 11.3
DE 41 41 207 936,782 0.4 2.6 71.0 2.9 32.2 67.9 State Farm Group 22.8 Berkshire Hathaway Ins 18.8
DC 52 52 178 379,686 0.1 2.4 66.1 1.6 20.9 79.1 Berkshire Hathaway Ins 37.1 State Farm Group 18.0
FL 3 3 320 20,668,273 8.1 1.1 71.3 4.5 36.6 63.4 Berkshire Hathaway Ins 25.7 Progressive Ins Group 20.4
GA 6 6 348 9,922,006 3.9 5.6 67.2 2.6 31.9 68.1 State Farm Group 20.8 Progressive Ins Group 14.1
HI 43 43 125 800,147 0.3 2.4 62.4 1.5 20.9 79.1 Berkshire Hathaway Ins 27.8 State Farm Group 18.3
ID 39 39 231 1,107,981 0.4 6.0 58.8 1.3 26.7 73.3 State Farm Group 13.7 Berkshire Hathaway Ins 11.1
IL 9 9 374 7,798,696 3.1 1.9 64.2 2.6 28.0 72.0 State Farm Group 29.7 Allstate Ins Group 11.5
IN 22 22 350 4,018,753 1.6 2.1 61.0 2.1 39.0 61.0 State Farm Group 20.8 Progressive Ins Group 13.1
IA 35 35 285 1,876,273 0.7 2.2 61.0 1.5 51.7 48.3 Progressive Ins Group 19.6 State Farm Group 19.6
KS 34 34 273 2,003,896 0.8 2.7 62.7 1.2 30.8 69.3 State Farm Group 17.9 Progressive Ins Group 12.8
KY 26 26 281 3,238,944 1.3 1.6 63.5 1.9 28.6 71.4 State Farm Group 21.6 KY Farm Bureau Group 18.2
LA 18 18 233 4,887,096 1.9 1.3 62.0 3.5 28.3 71.7 State Farm Group 29.5 Progressive Ins Group 16.4
ME 45 45 198 785,584 0.3 2.7 61.4 1.1 46.7 53.3 Progressive Ins Group 15.8 State Farm Group 12.9
MD 16 16 253 5,355,026 2.1 3.1 66.6 1.7 30.7 69.3 Berkshire Hathaway Ins 25.3 State Farm Group 17.5
MA 14 14 173 5,570,167 2.2 3.1 62.3 1.5 66.1 33.9 MAPFRE North America Group 22.0 Berkshire Hathaway Ins 14.0
MI 5 5 267 9,929,999 3.9 4.4 60.5 5.3 45.7 54.3 Progressive Ins Group 17.9 State Farm Group 16.3
MN 23 23 286 3,911,856 1.5 3.1 65.2 2.0 38.6 61.4 State Farm Group 22.5 Progressive Ins Group 19.1
MS 33 33 232 2,007,069 0.8 1.7 64.1 1.9 27.9 72.1 State Farm Group 23.3 Progressive Ins Group 12.1
MO 21 21 301 4,265,648 1.7 3.3 63.9 1.4 25.3 74.7 State Farm Group 20.7 Amer Family Ins Group 12.5
MT 44 44 202 798,249 0.3 3.0 74.9 1.7 31.9 68.2 State Farm Group 20.9 Progressive Ins Group 14.7
NE 37 37 256 1,347,991 0.5 2.7 68.3 1.2 40.0 60.0 State Farm Group 19.8 Progressive Ins Group 15.9
NV 29 30 265 2,859,346 1.1 5.1 63.9 3.7 28.5 71.5 State Farm Group 16.6 Berkshire Hathaway Ins 15.8
NH 42 42 201 912,452 0.4 3.6 59.4 1.1 39.5 60.5 Berkshire Hathaway Ins 14.5 Progressive Ins Group 13.6
NJ 8 8 267 8,138,058 3.2 1.9 64.2 5.0 22.4 77.6 Berkshire Hathaway Ins 22.8 NJM Ins Group 13.2
NM 36 36 234 1,550,184 0.6 4.2 61.1 1.8 29.5 70.5 State Farm Group 18.5 Progressive Ins Group 15.0
NY 4 4 334 14,230,127 5.6 1.8 69.0 5.1 30.3 69.7 Berkshire Hathaway Ins 32.3 Allstate Ins Group 13.8
NC 11 11 287 6,589,045 2.6 3.5 68.3 0.9 42.7 57.3 State Farm Group 14.1 Berkshire Hathaway Ins 12.9
ND 48 47 207 510,770 0.2 3.6 67.7 1.5 48.7 51.3 Progressive Ins Group 18.4 State Farm Group 12.6
OH 10 10 380 7,036,396 2.8 1.4 59.2 1.7 49.0 51.0 State Farm Group 17.7 Progressive Ins Group 16.1
OK 30 29 277 2,814,272 1.1 1.7 58.2 1.8 26.2 73.8 State Farm Group 22.5 Progressive Ins Group 12.6
OR 28 28 262 3,132,953 1.2 1.9 61.0 2.4 29.9 70.1 State Farm Group 18.8 Progressive Ins Group 16.1
PA 7 7 367 9,223,112 3.6 1.0 65.5 2.4 45.9 54.1 State Farm Group 18.6 Erie Ins Group 13.5
RI 40 40 218 980,717 0.4 1.6 66.7 2.1 45.0 55.1 Progressive Ins Group 24.4 Berkshire Hathaway Ins 13.0
SC 19 19 272 4,526,099 1.8 3.8 65.1 1.7 32.7 67.3 State Farm Group 21.2 Berkshire Hathaway Ins 14.0
SD 46 46 217 595,734 0.2 4.6 62.6 0.9 47.4 52.6 State Farm Group 17.6 Progressive Ins Group 16.2
TN 20 20 333 4,463,039 1.8 3.1 62.5 1.9 28.4 71.6 State Farm Group 20.3 TN Farmers Ins Cos 16.3
TX 2 2 364 23,243,234 9.2 2.5 64.8 2.4 33.3 66.7 State Farm Group 14.0 Progressive Ins Group 13.3
UT 31 31 254 2,239,029 0.9 5.7 66.2 1.9 35.3 64.7 State Farm Group 14.1 Allstate Ins Group 11.8
VT 51 51 182 395,461 0.2 2.0 56.4 1.0 52.7 47.3 Progressive Ins Group 18.7 Berkshire Hathaway Ins 15.0
VA 12 12 329 5,894,641 2.3 2.5 66.1 1.7 34.0 66.0 Berkshire Hathaway Ins 19.6 State Farm Group 14.9
WA 13 13 302 5,756,389 2.3 4.5 63.4 2.6 30.9 69.1 State Farm Group 15.5 Berkshire Hathaway Ins 11.6
WV 38 38 214 1,285,818 0.5 0.9 60.6 1.4 43.3 56.7 State Farm Group 24.7 Erie Ins Group 15.4
WI 25 25 304 3,338,357 1.3 2.7 61.9 1.7 48.6 51.5 Progressive Ins Group 19.8 Amer Family Ins Group 18.6
WY 50 50 187 428,167 0.2 3.6 76.8 0.9 25.8 74.2 State Farm Group 21.4 Progressive Ins Group 15.7
Guam 53 53 16 44,904 0.0 -23.0 53.1 5.1 72.4 27.6 Amer Intl Group 27.8 USAA Group 27.6
Puerto Rico 47 48 22 522,168 0.2 6.7 61.5 0.5 60.8 39.2 Universal Ins Group of Puerto Rico 41.0 Coop de Seguros Multiples PR 38.8
U.S. Virgin Is. 54 55 16 42,456 0.0 20.2 55.9 3.9 86.0 14.1 Underwriters at Lloyd's, London (VI) 49.0 Guardian Ins Group 33.6
Canada 57 57 12 167 0.0 36.9 -99.9 -99.9 100.1 -0.1 Hartford Ins Group 100.1 Assurant P&C Group 0.0
Other 55 54 40 40,317 0.0 -7.0 52.2 3.4 78.4 21.6 Natl Unity Ins Co 25.2 Amer Intl Group 23.7
N. Mariana Is. 56 56 8 3,228 0.0 9.3 47.2 4.4 100.0 0.0 Tokio Marine US PC Group 27.2 DB Ins US Group 20.9
Grand Total 1,086 $253,859,101 100.0 2.9 65.0 2.7 34.4 65.6 State Farm Group 16.1 Berkshire Hathaway Ins 13.7

1. ALR: Adjusted loss ratio is direct losses incurred divided by the difference between direct premium earned and dividends paid to policyholder.

2. DDCCE: Direct defense and cost containment expense ratio is the former allocated loss adjustment expense (ALAE) ratio.

3. Insurers that distribute primarily through independent agents.

4. Insurers that distribute primarily through a direct-selling system or an exclusive agency system.

Note: Data for some companies in this report has been received from the NAIC.

Source: BestLink logo— State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020

U.S. Commercial Auto – Top Writers by State, Canada and U.S. Territories – 2019

Ranked by 2019 direct premiums written.

($ Thousands)

State 2019 Rank 2018 Rank No of Cos Direct
Premiums Written
% of Grand Total Premium % Change ALR1 DDCCE2 Market Share Leading Writer % Market Share Second Leader % Market Share
Agency Writer3 Direct Writer4
AL 24 24 449 $624,814 1.4 9.7 74.6 6.6 83.9 16.1 Progressive Ins Group 13.3 Auto-Owners Ins Group 9.2
AK 52 52 271 77,334 0.2 9.4 56.7 4.5 68.9 31.1 Liberty Mutual Ins Cos 14.7 CopperPoint Ins Group 12.3
AZ 21 22 460 719,624 1.6 14.0 67.4 5.5 81.8 18.3 Progressive Ins Group 13.6 Travelers Group 6.9
AR 33 32 423 432,708 1.0 7.1 60.5 4.7 81.3 18.7 Progressive Ins Group 12.9 Travelers Group 6.0
CA 1 1 468 5,329,730 11.7 20.6 74.9 7.6 82.3 17.8 Progressive Ins Group 15.3 Travelers Group 6.0
CO 19 19 440 768,860 1.7 12.3 68.1 4.8 79.3 20.7 Progressive Ins Group 16.1 Travelers Group 7.4
CT 29 28 384 487,329 1.1 9.1 63.5 5.5 78.1 21.9 Progressive Ins Group 9.4 Liberty Mutual Ins Cos 8.8
DE 45 46 379 151,579 0.3 11.7 69.1 7.1 85.5 14.5 Great Amer P & C Ins Group 14.9 Progressive Ins Group 8.9
DC 53 53 318 71,281 0.2 34.6 46.2 4.3 75.5 24.5 Farmers Ins Group 14.9 James River Group 13.3
FL 3 3 475 3,562,635 7.8 9.2 78.3 7.3 84.6 15.4 Progressive Ins Group 22.0 Auto-Owners Ins Group 7.4
GA 8 8 528 1,631,397 3.6 15.7 78.4 6.1 74.3 25.7 Progressive Ins Group 10.1 State Farm Group 6.1
HI 47 47 231 131,401 0.3 5.8 50.2 4.2 91.9 8.1 Tokio Marine US PC Group 21.4 Island Ins Group 11.6
ID 38 40 377 218,707 0.5 9.7 61.5 4.1 76.8 23.3 Progressive Ins Group 11.3 Old Republic Ins Group 9.8
IL 5 5 514 1,970,529 4.3 12.4 63.7 5.3 81.1 18.9 Progressive Ins Group 10.3 Travelers Group 7.4
IN 15 14 498 843,360 1.9 9.2 65.5 5.3 85.8 14.2 Progressive Ins Group 8.2 Travelers Group 6.0
IA 31 30 444 464,884 1.0 9.4 68.2 4.1 89.2 10.8 Old Republic Ins Group 9.2 Nationwide Group 7.6
KS 34 33 417 390,375 0.9 9.8 57.9 3.6 82.8 17.2 Progressive Ins Group 10.1 Nationwide Group 9.0
KY 27 27 454 509,136 1.1 8.4 62.1 5.3 82.1 17.9 Progressive Ins Group 8.5 Travelers Group 7.3
LA 17 15 406 827,873 1.8 10.6 89.2 11.3 80.3 19.7 Progressive Ins Group 13.1 Travelers Group 8.3
ME 43 43 329 166,467 0.4 5.4 56.8 3.1 81.1 18.9 W. R. Berkley Ins Group 15.8 Liberty Mutual Ins Cos 11.8
MD 20 20 447 725,948 1.6 11.4 61.2 3.6 86.0 14.0 Erie Ins Group 11.5 Progressive Ins Group 9.1
MA 12 12 341 1,035,256 2.3 9.4 59.9 3.2 89.2 10.8 Safety Group 13.7 MAPFRE North America Group 13.4
MI 11 10 441 1,115,480 2.5 5.3 58.1 6.5 81.0 19.0 Auto-Owners Ins Group 8.8 Progressive Ins Group 5.4
MN 22 23 435 689,601 1.5 11.7 61.7 3.5 86.3 13.7 Old Republic Ins Group 10.5 Auto-Owners Ins Group 7.9
MS 32 31 417 432,788 1.0 6.0 65.4 6.9 82.9 17.1 Progressive Ins Group 14.9 Travelers Group 9.2
MO 18 18 464 777,529 1.7 12.2 70.1 5.0 78.8 21.2 Progressive Ins Group 8.9 Travelers Group 8.4
MT 40 41 371 195,969 0.4 7.3 60.2 3.0 78.6 21.4 Progressive Ins Group 10.9 Old Republic Ins Group 10.9
NE 36 36 405 322,040 0.7 8.2 68.0 2.7 86.1 13.9 Old Republic Ins Group 16.1 Nationwide Group 8.5
NV 28 34 419 492,197 1.1 43.7 90.9 11.0 68.7 31.3 Progressive Ins Group 15.3 Allstate Ins Group 15.2
NH 44 44 360 156,248 0.3 5.6 56.8 2.9 81.1 18.9 W. R. Berkley Ins Group 16.7 Liberty Mutual Ins Cos 10.0
NJ 7 7 443 1,730,131 3.8 8.9 74.6 7.9 74.8 25.2 Progressive Ins Group 10.5 Allstate Ins Group 8.3
NM 37 37 400 259,767 0.6 14.8 58.2 6.0 78.7 21.3 Progressive Ins Group 14.0 Travelers Group 9.5
NY 4 4 438 2,842,337 6.3 5.5 74.5 9.6 81.6 18.4 Amer Transit Ins Co 12.3 Progressive Ins Group 8.9
NC 10 11 468 1,121,099 2.5 13.2 68.2 3.3 85.5 14.5 Progressive Ins Group 11.4 Natl Gen Companies 6.5
ND 41 42 363 185,451 0.4 8.5 55.1 2.2 84.7 15.3 Old Republic Ins Group 12.1 Progressive Ins Group 9.2
OH 9 9 503 1,227,662 2.7 10.0 58.8 3.7 90.6 9.4 Progressive Ins Group 12.2 Cincinnati Ins Cos 8.3
OK 25 25 410 587,796 1.3 11.4 60.0 5.9 77.8 22.3 Progressive Ins Group 11.7 Travelers Group 9.7
OR 30 29 413 485,166 1.1 10.1 67.3 5.0 65.8 34.3 Liberty Mutual Ins Cos 17.4 Progressive Ins Group 11.6
PA 6 6 518 1,808,042 4.0 8.5 61.7 4.9 82.1 17.9 Progressive Ins Group 10.6 Erie Ins Group 10.0
RI 48 48 334 131,301 0.3 10.2 66.0 3.8 79.8 20.2 Progressive Ins Group 11.9 Travelers Group 8.4
SC 26 26 473 567,542 1.3 11.1 67.3 4.3 82.9 17.1 Progressive Ins Group 12.5 Auto-Owners Ins Group 6.4
SD 46 45 368 149,322 0.3 9.3 58.5 2.6 85.9 14.1 Old Republic Ins Group 13.7 Acuity, A Mutual Ins Co 8.4
TN 16 17 503 829,157 1.8 13.2 64.2 5.2 88.0 12.0 Progressive Ins Group 10.8 Travelers Group 6.7
TX 2 2 538 4,636,396 10.2 12.0 78.2 7.6 81.9 18.2 Progressive Ins Group 16.8 Travelers Group 5.3
UT 35 35 413 372,655 0.8 9.4 67.8 4.5 80.8 19.2 Progressive Ins Group 9.6 Auto-Owners Ins Group 8.0
VT 51 51 339 78,450 0.2 4.3 50.9 2.5 80.3 19.7 W. R. Berkley Ins Group 12.4 Progressive Ins Group 12.0
VA 13 13 482 869,997 1.9 12.5 62.2 4.4 85.0 15.0 Progressive Ins Group 12.5 Erie Ins Group 8.4
WA 14 16 439 855,005 1.9 15.8 64.0 4.7 67.2 32.8 Liberty Mutual Ins Cos 16.2 Progressive Ins Group 10.7
WV 39 39 373 210,083 0.5 4.9 62.2 3.6 88.8 11.3 Erie Ins Group 11.9 Travelers Group 11.6
WI 23 21 464 679,998 1.5 6.3 60.3 4.2 89.6 10.4 Acuity, A Mutual Ins Co 8.8 West Bend Mutual Ins Co 7.3
WY 49 49 344 113,285 0.2 19.1 66.4 2.7 82.8 17.2 Progressive Ins Group 13.4 Travelers Group 10.5
Guam 55 55 22 9,277 0.0 -15.4 33.8 5.7 100.0 0.0 DB Ins US Group 35.1 Pacific Indemnity Ins Co 19.9
Puerto Rico 42 38 63 175,371 0.4 -16.6 45.8 1.9 86.8 13.2 Universal Ins Group of Puerto Rico 26.8 MAPFRE North America Group 21.5
U.S. Virgin Is. 56 56 30 6,495 0.0 20.9 38.3 4.4 99.1 0.9 Guardian Ins Group 61.4 Topa Ins Group 28.4
Canada 50 50 32 99,956 0.2 19.3 45.3 8.2 78.0 22.0 CNA Ins Cos 29.4 Liberty Mutual Ins Cos 21.4
Other 54 54 87 44,684 0.1 73.0 35.6 -5.1 99.3 0.8 Natl Unity Ins Co 30.7 New Horizon Ins Co 27.1
N. Mariana Is. 57 57 6 1,218 0.0 6.7 17.0 35.4 100.0 0.0 DB Ins US Group 52.9 Tokio Marine US PC Group 35.3
Grand Total 1,100 $45,400,720 100.0 11.5 69.6 6.2 81.9 18.1 Progressive Ins Group 12.3 Travelers Group 6.2th

1. ALR: Adjusted loss ratio is direct losses incurred divided by the difference between direct premium earned and dividends paid to policyholder.

2. DDCCE: Direct defense and cost containment expense ratio is the former allocated loss adjustment expense (ALAE) ratio.

3. Insurers that distribute primarily through independent agents.

4. Insurers that distribute primarily through a direct-selling system or an exclusive agency system.

Note: Data for some companies in this report has been received from the NAIC.

Source: — State/Line (P/C Lines) - P/C, US; Data as of: July 17, 2020



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