Best's Rankings
U.S. Homeowners Multiple Peril - Top Writers by State, Canada and U.S. Territories - 2021 Edition
Writers are ranked by 2020 direct premiums written.
($ Thousands)
State |
2020 Rank |
2019 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 |
221 |
$1,948,057 |
1.8 |
6.6 |
92.2 |
1.8 |
25.4 |
74.6 |
State Farm Group |
27.4 |
Alfa Ins Group |
13.3 |
AK |
51 |
51 |
82 |
178,366 |
0.2 |
4.4 |
47.5 |
0.9 |
9.8 |
90.3 |
State Farm Group |
32.4 |
USAA Group |
18.9 |
AZ |
24 |
24 |
237 |
1,899,870 |
1.7 |
5.8 |
54.3 |
1.2 |
28.0 |
72.0 |
State Farm Group |
16.7 |
Farmers Ins Group |
12.8 |
AR |
31 |
31 |
193 |
1,022,006 |
0.9 |
4.6 |
78.6 |
0.9 |
22.1 |
78.0 |
State Farm Group |
26.5 |
Farm Bureau Mutual Ins Co of Arkansas |
13.9 |
CA |
3 |
3 |
248 |
9,931,535 |
9.0 |
8.8 |
38.6 |
2.4 |
31.1 |
68.9 |
State Farm Group |
17.8 |
Farmers Ins Group |
15.0 |
CO |
12 |
12 |
214 |
2,944,066 |
2.7 |
8.2 |
70.1 |
1.0 |
22.6 |
77.4 |
State Farm Group |
20.0 |
Liberty Mutual Ins Cos |
12.0 |
CT |
26 |
26 |
224 |
1,625,173 |
1.5 |
3.8 |
62.7 |
1.2 |
53.2 |
46.9 |
Chubb INA Group |
9.4 |
Liberty Mutual Ins Cos |
8.8 |
DE |
45 |
45 |
181 |
313,025 |
0.3 |
4.4 |
77.0 |
1.6 |
37.4 |
62.6 |
State Farm Group |
25.2 |
Liberty Mutual Ins Cos |
10.7 |
DC |
50 |
50 |
151 |
179,422 |
0.2 |
4.5 |
43.4 |
1.1 |
51.4 |
48.6 |
State Farm Group |
21.0 |
Travelers Group |
21.0 |
FL |
1 |
2 |
251 |
11,108,804 |
10.1 |
10.2 |
70.6 |
6.7 |
83.1 |
16.9 |
Universal Ins Hldgs Group |
10.5 |
Citizens Property Ins Corporation |
6.8 |
GA |
6 |
6 |
283 |
3,792,645 |
3.4 |
6.1 |
72.7 |
1.3 |
28.6 |
71.4 |
State Farm Group |
25.3 |
Allstate Ins Group |
13.2 |
HI |
43 |
43 |
90 |
438,418 |
0.4 |
5.5 |
36.6 |
1.5 |
50.9 |
49.1 |
State Farm Group |
30.7 |
Heritage Ins Hldgs Group |
12.4 |
ID |
41 |
42 |
167 |
457,083 |
0.4 |
7.5 |
62.8 |
1.0 |
25.6 |
74.4 |
Liberty Mutual Ins Cos |
15.5 |
State Farm Group |
14.7 |
IL |
5 |
5 |
299 |
4,118,834 |
3.7 |
5.3 |
82.6 |
1.0 |
22.0 |
78.0 |
State Farm Group |
32.9 |
Allstate Ins Group |
13.0 |
IN |
18 |
18 |
249 |
2,149,226 |
1.9 |
3.8 |
61.2 |
1.0 |
34.8 |
65.2 |
State Farm Group |
24.0 |
Allstate Ins Group |
9.0 |
IA |
33 |
33 |
210 |
893,963 |
0.8 |
5.0 |
259.5 |
2.6 |
41.6 |
58.4 |
State Farm Group |
25.2 |
Nationwide Group |
11.6 |
KS |
28 |
28 |
202 |
1,300,242 |
1.2 |
3.4 |
39.2 |
0.5 |
27.5 |
72.5 |
State Farm Group |
20.8 |
Amer Family Ins Group |
15.1 |
KY |
29 |
29 |
216 |
1,282,737 |
1.2 |
2.4 |
52.6 |
1.1 |
25.6 |
74.4 |
State Farm Group |
23.7 |
KY Farm Bureau Group |
20.7 |
LA |
21 |
21 |
217 |
2,060,408 |
1.9 |
5.1 |
249.9 |
3.8 |
40.6 |
59.4 |
State Farm Group |
25.2 |
Allstate Ins Group |
11.0 |
ME |
39 |
39 |
180 |
470,674 |
0.4 |
4.5 |
37.3 |
0.6 |
46.4 |
53.6 |
State Farm Group |
12.0 |
Liberty Mutual Ins Cos |
11.0 |
MD |
19 |
19 |
209 |
2,090,072 |
1.9 |
6.5 |
65.2 |
1.2 |
42.5 |
57.5 |
State Farm Group |
17.2 |
USAA Group |
12.7 |
MA |
13 |
13 |
267 |
2,678,377 |
2.4 |
4.2 |
36.3 |
1.0 |
74.8 |
25.2 |
MAPFRE North America Group |
12.6 |
Liberty Mutual Ins Cos |
9.1 |
MI |
10 |
9 |
203 |
3,026,802 |
2.7 |
3.8 |
57.2 |
1.1 |
40.0 |
60.0 |
State Farm Group |
16.2 |
Auto-Owners Ins Group |
14.6 |
MN |
15 |
15 |
228 |
2,438,671 |
2.2 |
5.4 |
83.1 |
0.7 |
30.8 |
69.2 |
State Farm Group |
25.5 |
Amer Family Ins Group |
14.9 |
MS |
30 |
30 |
194 |
1,074,344 |
1.0 |
4.9 |
88.0 |
1.6 |
26.1 |
74.0 |
State Farm Group |
25.5 |
Southern Farm Bureau Casualty Group |
15.2 |
MO |
16 |
16 |
214 |
2,332,066 |
2.1 |
4.2 |
66.6 |
0.9 |
20.2 |
79.8 |
State Farm Group |
25.2 |
Amer Family Ins Group |
15.4 |
MT |
44 |
44 |
149 |
409,143 |
0.4 |
9.1 |
64.5 |
1.1 |
22.4 |
77.6 |
State Farm Group |
23.9 |
Liberty Mutual Ins Cos |
15.8 |
NE |
34 |
34 |
185 |
874,734 |
0.8 |
5.5 |
58.9 |
0.5 |
34.7 |
65.3 |
State Farm Group |
23.0 |
Farmers Mutual Ins Co of Nebraska |
10.9 |
NV |
35 |
35 |
212 |
710,140 |
0.6 |
7.1 |
50.1 |
1.3 |
24.9 |
75.1 |
State Farm Group |
18.7 |
Farmers Ins Group |
13.7 |
NH |
42 |
41 |
194 |
454,957 |
0.4 |
4.0 |
37.1 |
0.8 |
42.6 |
57.4 |
Liberty Mutual Ins Cos |
13.5 |
Allstate Ins Group |
9.9 |
NJ |
11 |
11 |
261 |
2,969,677 |
2.7 |
3.5 |
57.9 |
1.7 |
37.5 |
62.5 |
Allstate Ins Group |
12.1 |
NJM Ins Group |
10.6 |
NM |
37 |
37 |
198 |
613,008 |
0.6 |
5.8 |
44.3 |
0.9 |
22.1 |
77.9 |
State Farm Group |
19.7 |
Farmers Ins Group |
17.7 |
NY |
4 |
4 |
292 |
5,861,865 |
5.3 |
4.1 |
49.6 |
1.5 |
52.8 |
47.2 |
Allstate Ins Group |
17.1 |
State Farm Group |
12.9 |
NC |
9 |
10 |
238 |
3,105,409 |
2.8 |
7.6 |
63.6 |
1.1 |
44.7 |
55.3 |
State Farm Group |
16.5 |
North Carolina Farm Bureau Ins Group |
12.1 |
ND |
47 |
47 |
165 |
241,602 |
0.2 |
5.2 |
30.6 |
0.3 |
30.8 |
69.3 |
State Farm Group |
15.0 |
Amer Family Ins Group |
12.5 |
OH |
8 |
8 |
286 |
3,162,971 |
2.9 |
3.6 |
65.6 |
1.3 |
45.5 |
54.5 |
State Farm Group |
20.3 |
Allstate Ins Group |
11.1 |
OK |
25 |
25 |
206 |
1,832,664 |
1.7 |
4.0 |
64.9 |
1.1 |
17.8 |
82.2 |
State Farm Group |
28.5 |
Farmers Ins Group |
16.5 |
OR |
32 |
32 |
193 |
974,625 |
0.9 |
6.0 |
197.9 |
1.8 |
20.1 |
79.9 |
State Farm Group |
21.3 |
Farmers Ins Group |
16.3 |
PA |
7 |
7 |
307 |
3,649,913 |
3.3 |
3.7 |
58.1 |
1.8 |
47.9 |
52.1 |
State Farm Group |
17.5 |
Erie Ins Group |
15.2 |
RI |
40 |
40 |
180 |
461,863 |
0.4 |
4.9 |
48.9 |
1.4 |
45.0 |
55.0 |
Amica Mutual Group |
15.9 |
Allstate Ins Group |
12.2 |
SC |
22 |
22 |
248 |
1,967,487 |
1.8 |
6.3 |
54.7 |
1.3 |
47.8 |
52.3 |
State Farm Group |
19.9 |
Allstate Ins Group |
9.3 |
SD |
46 |
46 |
176 |
298,054 |
0.3 |
7.0 |
109.0 |
0.6 |
39.7 |
60.4 |
State Farm Group |
19.4 |
Amer Family Ins Group |
12.0 |
TN |
17 |
17 |
244 |
2,308,397 |
2.1 |
5.0 |
85.3 |
1.4 |
27.5 |
72.5 |
State Farm Group |
23.5 |
TN Farmers Ins Cos |
18.7 |
TX |
2 |
1 |
293 |
10,831,836 |
9.8 |
6.6 |
56.1 |
1.6 |
34.3 |
65.7 |
State Farm Group |
18.1 |
Allstate Ins Group |
13.4 |
UT |
36 |
36 |
181 |
657,769 |
0.6 |
7.6 |
87.3 |
1.2 |
33.6 |
66.5 |
State Farm Group |
16.4 |
Farmers Ins Group |
12.7 |
VT |
49 |
49 |
174 |
219,091 |
0.2 |
3.0 |
32.1 |
0.4 |
58.7 |
41.3 |
VT Mutual Group |
12.4 |
Liberty Mutual Ins Cos |
11.8 |
VA |
14 |
14 |
261 |
2,638,147 |
2.4 |
5.8 |
53.6 |
0.9 |
38.7 |
61.3 |
USAA Group |
19.1 |
State Farm Group |
17.1 |
WA |
20 |
20 |
221 |
2,075,808 |
1.9 |
5.8 |
55.7 |
1.8 |
27.1 |
72.9 |
State Farm Group |
17.2 |
Liberty Mutual Ins Cos |
13.1 |
WV |
38 |
38 |
170 |
472,594 |
0.4 |
1.9 |
52.5 |
1.5 |
47.0 |
53.0 |
State Farm Group |
25.8 |
Erie Ins Group |
18.3 |
WI |
27 |
27 |
256 |
1,601,466 |
1.4 |
3.7 |
44.5 |
0.9 |
42.7 |
57.3 |
Amer Family Ins Group |
21.9 |
State Farm Group |
16.3 |
WY |
48 |
48 |
160 |
237,833 |
0.2 |
7.1 |
76.7 |
0.5 |
18.0 |
82.0 |
State Farm Group |
21.5 |
Farmers Ins Group |
18.7 |
Guam |
53 |
53 |
12 |
19,565 |
0.0 |
1.6 |
8.6 |
1.1 |
96.1 |
3.9 |
Chung Kuo Ins Co, Ltd GUB |
32.4 |
Amer Intl Group |
24.3 |
Puerto Rico |
52 |
52 |
23 |
93,648 |
0.1 |
0.6 |
70.1 |
8.9 |
99.3 |
0.7 |
Universal Ins Group of Puerto Rico |
54.4 |
MAPFRE North America Group |
31.8 |
U.S. Virgin Is. |
54 |
54 |
18 |
12,332 |
0.0 |
1.5 |
-37.7 |
5.6 |
97.8 |
2.2 |
Underwriters at Lloyd's, London (VI) |
65.4 |
Guardian Ins Group |
21.8 |
Canada |
57 |
57 |
11 |
49 |
0.0 |
-9.4 |
-99.9 |
-99.9 |
0.0 |
100.0 |
FM Global Group |
100.0 |
Hartford Ins Group |
0.0 |
Other |
55 |
55 |
32 |
8,267 |
0.0 |
-7.5 |
184.5 |
-40.3 |
100.0 |
0.0 |
Amer Intl Group |
72.6 |
Chubb INA Group |
27.2 |
N. Mariana Is. |
56 |
56 |
5 |
347 |
0.0 |
37.2 |
-4.7 |
-5.1 |
100.0 |
0.0 |
Tokio Marine US PC Group |
50.0 |
First Net Ins Co |
24.4 |
Grand Total |
|
|
1,091 |
$110,520,148 |
100.0 |
6.0 |
66.8 |
2.0 |
40.8 |
59.3 |
State Farm Group |
17.8 |
Allstate Ins Group |
8.8 |
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.
Ratios of 999.9 and -99.9 are maximum and minimum values, respectively.
Source: – State/Line (P/C Lines) - P/C, US; data as of: Sept.17, 2021