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Best's Rankings
US Homeowners Multiple Peril — Top Writers by State, Canada and US Territories — 2021 — 2022 Edition

Insurers were ranked by 2021 direct premiums written.
  • November 2022

($ Thousands)

State 2021 Rank 2020 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 22 23 240 $2,126,218 1.8 9.1 56.7 1.1 24.9 75.1 State Farm Group 27.6 Alfa Ins Group 13.0
AK 50 51 87 192,274 0.2 7.8 47.9 1.0 9.4 90.6 State Farm Group 33.3 USAA Group 19.7
AZ 24 24 252 2,064,299 1.7 8.7 71.1 1.5 27.1 72.9 State Farm Group 16.9 Farmers Ins Group 12.7
AR 31 31 207 1,103,809 0.9 8.0 67.3 0.9 20.2 79.8 State Farm Group 26.6 Farm Bureau Mutual Ins Co of Arkansas 13.3
CA 3 3 256 11,166,346 9.3 12.4 43.3 2.6 30.4 69.6 State Farm Group 19.4 Farmers Ins Group 14.8
CO 10 12 223 3,264,641 2.7 10.9 91.9 1.3 21.4 78.6 State Farm Group 21.0 Liberty Mutual Ins Cos 13.6
CT 27 26 229 1,712,828 1.4 5.4 51.5 1.3 53.0 47.0 Travelers Group 8.7 Liberty Mutual Ins Cos 8.6
DE 45 45 189 342,404 0.3 9.4 44.5 1.0 36.3 63.7 State Farm Group 25.6 Liberty Mutual Ins Cos 10.1
DC 51 50 164 188,291 0.2 4.9 50.5 0.8 52.4 47.6 Travelers Group 22.0 State Farm Group 20.4
FL 1 1 260 12,405,286 10.4 11.7 56.5 7.1 80.9 19.1 Universal Ins Hldgs Group 10.5 Citizens Property Ins Corporation 10.2
GA 6 6 296 4,091,759 3.4 7.9 62.4 1.1 28.7 71.3 State Farm Group 25.5 Allstate Ins Group 13.2
HI 44 43 101 422,377 0.4 -3.7 41.9 2.1 43.1 56.9 State Farm Group 35.5 Tokio Marine US PC Group 12.9
ID 38 41 182 516,536 0.4 13.0 72.5 1.2 24.5 75.5 Liberty Mutual Ins Cos 16.5 State Farm Group 15.6
IL 5 5 297 4,441,438 3.7 7.8 62.5 1.2 21.9 78.1 State Farm Group 33.5 Allstate Ins Group 12.7
IN 18 18 261 2,308,436 1.9 7.4 64.6 1.2 33.6 66.4 State Farm Group 24.3 Allstate Ins Group 9.1
IA 33 33 224 979,965 0.8 9.6 96.5 1.1 40.8 59.2 State Farm Group 25.7 Nationwide Group 11.3
KS 28 28 227 1,383,625 1.2 6.4 57.0 0.7 26.0 74.0 State Farm Group 21.1 Amer Family Ins Group 15.2
KY 29 29 218 1,360,209 1.1 6.0 85.5 1.3 24.0 76.0 State Farm Group 24.7 KY Farm Bureau Group 20.3
LA 21 21 223 2,142,761 1.8 4.0 412.1 8.9 38.1 61.9 State Farm Group 25.7 Allstate Ins Group 11.4
ME 39 39 182 496,916 0.4 5.6 33.1 0.7 46.0 54.0 State Farm Group 12.3 Liberty Mutual Ins Cos 11.3
MD 20 19 222 2,224,364 1.9 6.4 64.9 1.4 42.3 57.7 State Farm Group 17.2 USAA Group 12.1
MA 14 13 282 2,808,037 2.3 4.8 38.4 1.4 74.8 25.2 MAPFRE North America Group 12.2 Liberty Mutual Ins Cos 9.2
MI 11 10 217 3,192,340 2.7 5.5 73.6 1.2 38.1 61.9 State Farm Group 17.1 Auto-Owners Ins Group 14.1
MN 15 15 234 2,646,082 2.2 8.5 74.2 0.9 30.3 69.7 State Farm Group 26.4 Amer Family Ins Group 15.0
MS 30 30 203 1,172,020 1.0 9.1 55.7 1.3 24.6 75.5 State Farm Group 25.2 Southern Farm Bureau Casualty Group 15.1
MO 17 16 227 2,499,928 2.1 7.2 51.7 0.9 19.6 80.4 State Farm Group 25.4 Amer Family Ins Group 15.2
MT 43 44 158 459,077 0.4 12.2 53.2 0.9 23.0 77.0 State Farm Group 24.5 Liberty Mutual Ins Cos 15.4
NE 34 34 193 954,284 0.8 9.1 54.9 0.6 34.6 65.4 State Farm Group 23.2 Farmers Mutual Ins Co of Nebraska 10.7
NV 35 35 219 770,673 0.6 8.5 55.6 1.6 25.5 74.5 State Farm Group 18.8 Farmers Ins Group 12.8
NH 42 42 202 479,866 0.4 5.5 41.1 0.8 42.7 57.3 Liberty Mutual Ins Cos 13.5 State Farm Group 10.3
NJ 12 11 265 3,120,656 2.6 5.1 69.4 2.1 38.0 62.0 Allstate Ins Group 11.9 State Farm Group 10.7
NM 37 37 201 660,550 0.6 7.8 55.8 1.1 21.5 78.5 State Farm Group 20.7 Farmers Ins Group 17.6
NY 4 4 288 6,246,848 5.2 6.6 55.3 1.8 52.9 47.2 Allstate Ins Group 16.4 State Farm Group 13.6
NC 9 9 250 3,322,162 2.8 7.0 50.8 0.9 42.9 57.1 State Farm Group 16.7 North Carolina Farm Bureau Ins Group 12.3
ND 48 47 178 259,933 0.2 7.6 63.1 0.8 28.3 71.7 State Farm Group 15.1 Amer Family Ins Group 12.6
OH 8 8 296 3,379,070 2.8 6.8 53.4 1.2 43.4 56.6 State Farm Group 21.3 Allstate Ins Group 10.7
OK 25 25 215 1,966,053 1.6 7.3 66.8 1.4 17.4 82.6 State Farm Group 29.0 Farmers Ins Group 16.3
OR 32 32 205 1,062,584 0.9 9.0 60.1 1.2 19.8 80.2 State Farm Group 22.1 Farmers Ins Group 15.5
PA 7 7 318 3,886,786 3.2 6.5 60.9 1.9 47.2 52.9 State Farm Group 17.8 Erie Ins Group 15.1
RI 41 40 195 494,936 0.4 7.2 53.6 1.5 45.6 54.4 Amica Mutual Group 15.2 Allstate Ins Group 12.3
SC 23 22 250 2,108,226 1.8 7.2 40.5 1.1 46.5 53.5 State Farm Group 20.4 USAA Group 9.3
SD 46 46 184 329,976 0.3 10.7 57.9 0.4 35.9 64.1 State Farm Group 20.1 Amer Family Ins Group 12.4
TN 16 17 254 2,504,985 2.1 8.5 61.1 1.2 27.5 72.5 State Farm Group 23.9 TN Farmers Ins Cos 18.0
TX 2 2 311 11,876,328 9.9 9.6 104.7 2.2 32.2 67.9 State Farm Group 18.3 Allstate Ins Group 13.4
UT 36 36 197 734,165 0.6 11.6 63.4 1.3 32.8 67.2 State Farm Group 16.6 Farmers Ins Group 11.9
VT 49 49 183 229,242 0.2 4.6 40.9 0.7 57.9 42.1 VT Mutual Group 12.1 Liberty Mutual Ins Cos 12.0
VA 13 14 286 2,834,240 2.4 7.4 50.3 1.1 38.8 61.2 USAA Group 18.5 State Farm Group 17.3
WA 19 20 231 2,251,792 1.9 8.5 63.9 1.5 27.0 73.1 State Farm Group 17.7 Liberty Mutual Ins Cos 13.0
WV 40 38 185 496,052 0.4 5.0 47.7 1.4 43.5 56.5 State Farm Group 26.8 Erie Ins Group 18.2
WI 26 27 261 1,716,771 1.4 7.2 60.9 1.2 41.5 58.5 Amer Family Ins Group 22.4 State Farm Group 17.0
WY 47 48 163 261,482 0.2 9.9 48.3 0.1 18.0 82.0 State Farm Group 22.4 Farmers Ins Group 18.3
Guam 53 53 14 19,734 0.0 0.9 6.5 0.8 96.5 3.5 Chung Kuo Ins Co, Ltd GUB 36.2 Amer Intl Group 24.1
Puerto Rico 52 52 23 107,902 0.1 15.2 13.2 2.9 99.4 0.7 Universal Ins Group of Puerto Rico 51.3 MAPFRE North America Group 33.3
U.S. Virgin Is. 54 54 24 11,642 0.0 -5.6 22.9 3.2 97.8 2.2 Underwriters at Lloyd's, London (VI) 64.6 Guardian Ins Group 24.4
Canada 57 57 14 30 0.0 -38.2 -99.9 -99.9 0.0 100.0 FM Global Group 100.0 Hartford Ins Group 0.0
Other 55 55 34 3,322 0.0 -59.8 106.2 -9.7 100.0 0.0 Chubb INA Group 72.7 Amer Intl Group 25.8
N. Mariana Is. 56 56 5 342 0.0 -1.4 -9.5 -2.0 100.0 0.0 Tokio Marine US PC Group 48.7 First Net Ins Co 25.3
Grand Total 1,081 $119,802,896 100.0 8.4 69.2 2.2 39.8 60.2 State Farm Group 18.4 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.

Source: BestLink logo – State/Line (P/C Lines) - P/C, US; data as of Sept. 15, 2022.



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