Best's Rankings
U.S. Fire and Allied Lines — Top Writers by State, Canada and U.S. Territories — 2021 Edition
The insurers were ranked by 2020 direct premiums written.
($ Thousands)
State |
2020
Rank |
2019
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 |
31 |
31 |
447 |
$609,963 |
1.1 |
13.1 |
167.0 |
4.1 |
75.9 |
24.1 |
Chubb INA Group |
6.8 |
Zurich Ins US PC Group |
6.4 |
AK |
46 |
46 |
251 |
148,746 |
0.3 |
15.8 |
46.5 |
0.5 |
66.9 |
33.1 |
Allianz US PC Ins Companies |
14.2 |
Western Natl Ins Group |
11.2 |
AZ |
35 |
35 |
470 |
496,583 |
0.9 |
15.4 |
55.4 |
1.2 |
72.1 |
27.9 |
Great Amer P & C Ins Group |
8.1 |
Zurich Ins US PC Group |
7.7 |
AR |
32 |
32 |
435 |
553,014 |
1.0 |
8.9 |
119.6 |
1.3 |
67.0 |
33.0 |
Farm Bureau Mutual Ins Co of Arkansas |
9.7 |
Amer Intl Group |
8.2 |
CA |
1 |
1 |
471 |
6,206,768 |
11.6 |
18.7 |
45.5 |
1.4 |
76.2 |
23.8 |
CA Earthquake Authority |
13.6 |
Zurich Ins US PC Group |
6.8 |
CO |
27 |
26 |
447 |
753,554 |
1.4 |
14.4 |
72.5 |
0.8 |
72.5 |
27.5 |
Zurich Ins US PC Group |
8.7 |
Chubb INA Group |
8.5 |
CT |
39 |
39 |
412 |
394,920 |
0.7 |
12.5 |
53.9 |
2.0 |
70.0 |
30.0 |
FM Global Group |
9.1 |
Assurant P&C Group |
6.8 |
DE |
52 |
50 |
365 |
94,120 |
0.2 |
-5.0 |
38.0 |
1.2 |
80.7 |
19.3 |
Zurich Ins US PC Group |
15.4 |
Selective Ins Group |
9.8 |
DC |
50 |
53 |
315 |
108,486 |
0.2 |
32.8 |
41.8 |
2.2 |
75.4 |
24.6 |
FM Global Group |
14.8 |
Travelers Group |
14.0 |
FL |
2 |
2 |
468 |
5,826,177 |
10.9 |
14.3 |
48.3 |
3.2 |
90.6 |
9.4 |
Assurant P&C Group |
7.6 |
Citizens Property Ins Corporation |
7.4 |
GA |
12 |
18 |
513 |
1,073,504 |
2.0 |
14.5 |
88.9 |
1.9 |
73.9 |
26.1 |
Sompo Hldgs US Group |
9.1 |
FM Global Group |
7.2 |
HI |
41 |
40 |
245 |
288,373 |
0.5 |
12.4 |
16.8 |
1.3 |
90.3 |
9.7 |
Tokio Marine US PC Group |
14.5 |
Amer Intl Group |
7.2 |
ID |
44 |
44 |
396 |
221,788 |
0.4 |
18.2 |
63.5 |
0.9 |
80.9 |
19.1 |
Chubb INA Group |
17.4 |
QBE North America Ins Group |
14.7 |
IL |
5 |
5 |
530 |
1,800,376 |
3.4 |
10.4 |
53.8 |
1.3 |
78.3 |
21.7 |
Zurich Ins US PC Group |
9.5 |
Great Amer P & C Ins Group |
8.5 |
IN |
20 |
20 |
490 |
963,673 |
1.8 |
8.5 |
36.8 |
0.7 |
81.3 |
18.7 |
Sompo Hldgs US Group |
8.6 |
Zurich Ins US PC Group |
6.7 |
IA |
14 |
9 |
429 |
1,073,031 |
2.0 |
2.4 |
151.3 |
1.1 |
89.9 |
10.1 |
Chubb INA Group |
15.0 |
FMH Ins Group |
13.7 |
KS |
17 |
11 |
435 |
1,058,814 |
2.0 |
4.0 |
28.8 |
0.7 |
86.3 |
13.7 |
Zurich Ins US PC Group |
14.8 |
Chubb INA Group |
10.5 |
KY |
33 |
33 |
458 |
539,423 |
1.0 |
10.8 |
44.0 |
1.2 |
73.6 |
26.4 |
Zurich Ins US PC Group |
10.8 |
FM Global Group |
10.2 |
LA |
8 |
8 |
411 |
1,280,550 |
2.4 |
7.1 |
260.0 |
5.7 |
77.0 |
23.0 |
Wright National Flood Insurance Company |
7.1 |
Sompo Hldgs US Group |
5.3 |
ME |
49 |
49 |
345 |
123,303 |
0.2 |
12.9 |
26.5 |
0.2 |
64.2 |
35.8 |
FM Global Group |
12.4 |
Chubb INA Group |
7.2 |
MD |
37 |
36 |
439 |
462,070 |
0.9 |
11.9 |
46.5 |
1.0 |
73.0 |
27.0 |
Travelers Group |
8.9 |
FM Global Group |
8.8 |
MA |
25 |
25 |
416 |
781,512 |
1.5 |
11.5 |
63.9 |
2.5 |
75.4 |
24.6 |
FM Global Group |
9.9 |
Travelers Group |
6.1 |
MI |
24 |
24 |
441 |
800,045 |
1.5 |
10.4 |
63.6 |
1.3 |
78.1 |
21.9 |
Zurich Ins US PC Group |
8.6 |
Auto-Owners Ins Group |
7.5 |
MN |
7 |
7 |
442 |
1,361,873 |
2.5 |
7.9 |
78.1 |
0.7 |
89.9 |
10.1 |
Zurich Ins US PC Group |
17.1 |
Sompo Hldgs US Group |
9.2 |
MS |
34 |
34 |
419 |
529,529 |
1.0 |
11.6 |
87.0 |
1.7 |
74.2 |
25.8 |
Sompo Hldgs US Group |
21.0 |
FM Global Group |
5.8 |
MO |
15 |
15 |
466 |
1,064,863 |
2.0 |
9.3 |
53.1 |
0.8 |
74.8 |
25.3 |
Chubb INA Group |
15.8 |
Zurich Ins US PC Group |
7.1 |
MT |
43 |
42 |
364 |
265,793 |
0.5 |
10.5 |
55.1 |
0.5 |
83.3 |
16.7 |
Chubb INA Group |
22.6 |
QBE North America Ins Group |
21.4 |
NE |
18 |
16 |
408 |
982,326 |
1.8 |
3.1 |
77.3 |
0.1 |
92.3 |
7.7 |
Zurich Ins US PC Group |
19.1 |
QBE North America Ins Group |
15.8 |
NV |
40 |
41 |
410 |
321,671 |
0.6 |
27.3 |
81.0 |
1.7 |
67.5 |
32.5 |
FM Global Group |
10.7 |
QBE North America Ins Group |
9.6 |
NH |
51 |
52 |
360 |
94,814 |
0.2 |
13.3 |
21.7 |
0.5 |
67.5 |
32.5 |
FM Global Group |
9.4 |
Zurich Ins US PC Group |
8.3 |
NJ |
13 |
14 |
447 |
1,073,066 |
2.0 |
9.9 |
43.7 |
1.5 |
79.4 |
20.6 |
Assurant P&C Group |
8.4 |
Selective Ins Group |
8.0 |
NM |
45 |
45 |
388 |
219,745 |
0.4 |
23.6 |
75.2 |
0.4 |
73.2 |
26.8 |
Sompo Hldgs US Group |
14.4 |
Amer Intl Group |
10.8 |
NY |
4 |
4 |
519 |
2,235,395 |
4.2 |
16.6 |
62.5 |
2.2 |
77.8 |
22.3 |
Travelers Group |
8.1 |
FM Global Group |
8.1 |
NC |
9 |
13 |
474 |
1,121,018 |
2.1 |
14.3 |
59.8 |
1.2 |
75.4 |
24.6 |
Zurich Ins US PC Group |
9.4 |
FM Global Group |
5.7 |
ND |
16 |
10 |
356 |
1,058,884 |
2.0 |
1.5 |
114.0 |
0.1 |
93.8 |
6.2 |
QBE North America Ins Group |
24.3 |
Chubb INA Group |
21.7 |
OH |
10 |
12 |
512 |
1,110,789 |
2.1 |
9.2 |
53.5 |
1.3 |
80.6 |
19.4 |
Zurich Ins US PC Group |
10.3 |
FM Global Group |
7.8 |
OK |
30 |
30 |
423 |
642,335 |
1.2 |
3.1 |
60.2 |
2.3 |
68.8 |
31.2 |
Sompo Hldgs US Group |
8.6 |
Zurich Ins US PC Group |
7.6 |
OR |
36 |
38 |
423 |
476,519 |
0.9 |
18.7 |
87.8 |
1.1 |
65.8 |
34.2 |
FM Global Group |
8.0 |
Liberty Mutual Ins Cos |
7.5 |
PA |
11 |
17 |
564 |
1,090,239 |
2.0 |
15.0 |
62.3 |
1.7 |
74.1 |
25.9 |
FM Global Group |
9.4 |
Travelers Group |
7.5 |
RI |
48 |
48 |
341 |
129,481 |
0.2 |
16.9 |
29.6 |
1.0 |
72.2 |
27.8 |
FM Global Group |
8.8 |
Assurant P&C Group |
6.4 |
SC |
21 |
22 |
462 |
887,114 |
1.7 |
19.0 |
59.3 |
2.1 |
69.8 |
30.2 |
Berkshire Hathaway Ins |
13.3 |
Chubb INA Group |
7.6 |
SD |
26 |
21 |
376 |
760,199 |
1.4 |
-0.7 |
81.0 |
0.2 |
94.6 |
5.4 |
Chubb INA Group |
27.7 |
Sompo Hldgs US Group |
12.6 |
TN |
23 |
23 |
496 |
820,892 |
1.5 |
11.8 |
174.2 |
2.6 |
65.1 |
35.0 |
FM Global Group |
9.0 |
TN Farmers Ins Cos |
7.3 |
TX |
3 |
3 |
536 |
5,640,341 |
10.6 |
12.3 |
70.7 |
1.2 |
80.5 |
19.6 |
Sompo Hldgs US Group |
10.0 |
Germania Mutual Group |
5.6 |
UT |
42 |
43 |
412 |
278,901 |
0.5 |
21.5 |
110.2 |
1.6 |
63.1 |
36.9 |
FM Global Group |
11.4 |
Assurant P&C Group |
7.6 |
VT |
53 |
51 |
335 |
92,685 |
0.2 |
8.2 |
30.8 |
-1.5 |
50.1 |
49.9 |
Queen City Assur, Inc. |
29.7 |
Allianz US PC Ins Companies |
11.8 |
VA |
29 |
29 |
476 |
703,279 |
1.3 |
11.8 |
47.6 |
1.2 |
71.1 |
28.9 |
USAA Group |
9.9 |
Zurich Ins US PC Group |
9.6 |
WA |
19 |
19 |
439 |
978,502 |
1.8 |
9.0 |
51.0 |
0.9 |
69.3 |
30.7 |
Chubb INA Group |
9.0 |
Zurich Ins US PC Group |
7.8 |
WV |
47 |
47 |
363 |
135,317 |
0.3 |
7.7 |
35.9 |
1.7 |
70.9 |
29.1 |
Amer Natl Prop & Cas Group |
6.8 |
FM Global Group |
6.1 |
WI |
28 |
28 |
458 |
736,125 |
1.4 |
15.1 |
49.1 |
0.9 |
85.2 |
14.8 |
Zurich Ins US PC Group |
11.3 |
QBE North America Ins Group |
8.4 |
WY |
54 |
54 |
346 |
86,077 |
0.2 |
13.8 |
72.2 |
1.0 |
70.1 |
29.9 |
FM Global Group |
10.0 |
Amer Intl Group |
8.7 |
Amer. Samoa |
58 |
58 |
4 |
241 |
0.0 |
999.9 |
20.9 |
-3.1 |
99.9 |
0.1 |
Tokio Marine US PC Group |
99.9 |
FM Global Group |
0.1 |
Guam |
56 |
56 |
39 |
52,995 |
0.1 |
11.0 |
4.0 |
-1.3 |
99.8 |
0.2 |
DB Ins US Group |
42.7 |
Aioi Nissay Dowa Ins Co Ltd. GUO |
14.3 |
Puerto Rico |
38 |
37 |
88 |
434,416 |
0.8 |
7.9 |
66.7 |
3.9 |
86.2 |
13.8 |
MAPFRE North America Group |
28.1 |
Amer Intl Group |
10.9 |
U.S. Virgin Is. |
55 |
55 |
53 |
62,011 |
0.1 |
8.3 |
-38.1 |
6.0 |
93.7 |
6.3 |
Underwriters at Lloyd’s, London (VI) |
71.7 |
Guardian Ins Group |
6.8 |
Canada |
22 |
27 |
47 |
831,766 |
1.6 |
26.8 |
29.4 |
0.7 |
39.6 |
60.4 |
FM Global Group |
40.9 |
Allianz US PC Ins Companies |
15.2 |
Other |
6 |
6 |
83 |
1,482,823 |
2.8 |
12.7 |
73.3 |
1.0 |
74.5 |
25.5 |
Fairfax Financial (USA) Group |
40.4 |
Chubb INA Group |
17.0 |
N. Mariana Is. |
57 |
57 |
11 |
4,412 |
0.0 |
0.7 |
-15.8 |
-0.6 |
99.9 |
0.1 |
First Net Ins Co |
56.8 |
DB Ins US Group |
36.9 |
Grand Total |
|
|
1,308 |
$53,425,229 |
100.0 |
12.3 |
69.2 |
1.6 |
78.8 |
21.2 |
Zurich Ins US PC Group |
7.3 |
Chubb INA Group |
6.2 |
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.
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: — State/Line (P/C Lines) - P/C, US; data as of: Oct. 1, 2021