Top 100 U.S. Automobile Liability Insurers in 2026

U.S. automobile liability direct premiums written (DPW) increased 12% to $256.6 bn in 2025, with top-ranked Progressive Insurance Group posting a 21% rise to $44.1 bn. Progressive’s market share grew to 17.2%, up from 15.9% the previous year, according to a AM Best’s Rankings report.

The top 8 largest underwriters remained unchanged from the previous year. State Farm Group, ranked second, recorded a 14.8% increase in DPW to $37.47 bn. Berkshire Hathaway Insurance, in third place, saw its 2025 DPW rise 7.1% to $26.37 bn.

Progressive, State Farm, and Berkshire Hathaway were the only underwriters with double-digit market share. State Farm’s share rose to 14.6% from 14.2%, while Berkshire Hathaway’s declined to 10.3% from 10.8%.

Beinsure analyzed AM Best data:

Top 25 writers accounted for about 80.6% of the total U.S. auto liability insurance market
Top 50 writers represented approximately 88.6%
Top 100 writers covered around 95.4% of the market.

Top 25 U.S. auto liability insurance writers reported a combined direct premium volume of approximately $206.87 bn. Expanding to the top 50 writers, the total reached about $227.34 bn.

The top 100 writers together generated roughly $244.7 bn in direct premiums. For comparison, the entire U.S. property and casualty insurance industry recorded total direct premiums of approximately $256.63 bn in the same year.

Top 100 U.S. Auto Liability Insurers by Direct Premiums Written

Rank	Insurer	Premiums ($ Thousands)	% Change	Market Share (%)	Adjusted Loss Ratio (%)
1	Progressive Ins Group	44,141,442	21.0	17.2	60.5
2	State Farm Group	37,468,899	14.8	14.6	82.8
3	Berkshire Hathaway Ins	26,372,561	7.1	10.3	68.6
4	Allstate Ins Group	21,940,356	11.8	8.6	76.8
5	USAA Group	11,416,905	7.0	4.5	71.7
6	Liberty Mutual Ins Cos	8,848,505	-7.6	3.5	67.1
7	Farmers Ins Group	8,143,624	1.6	3.2	65.0
8	Travelers Group	7,213,694	9.8	2.8	63.2
9	Auto-Owners Ins Group	4,184,689	17.4	1.6	62.3
10	Auto Club Enterprises Ins Group	3,558,514	18.1	1.4	86.7
11	Amer Family Ins Group	3,383,374	5.2	1.3	70.0
12	Nationwide P&C Group	3,152,995	-18.1	1.2	68.4
13	CSAA Ins Group	3,151,361	24.6	1.2	85.9
14	Sentry Ins Group	3,061,538	15.4	1.2	67.5
15	Erie Ins Group	2,981,439	13.7	1.2	92.0
16	Hartford Ins Group	2,630,950	13.3	1.0	74.4
17	Kemper PC Companies	2,421,034	4.0	0.9	66.5
18	Old Republic Ins Group	2,215,388	20.7	0.9	108.4
19	Mercury Casualty Group	2,157,600	16.4	0.8	73.4
20	Zurich Ins US PC Group	1,738,914	10.8	0.7	96.3
21	Chubb INA Group	1,483,453	0.1	0.6	97.8
22	Auto Club Group	1,469,346	12.0	0.6	89.3
23	Amer Intl Group	1,367,033	23.6	0.5	64.6
24	W. R. Berkley Ins Group	1,205,383	10.8	0.5	68.8
25	Cincinnati Ins Cos	1,161,277	14.8	0.5	61.6
26	Tokio Marine US PC Group	1,106,296	12.3	0.4	78.1
27	NJM Ins Group	1,062,547	16.0	0.4	112.5
28	Hanover Ins Group Prop & Cas Cos	1,015,364	0.9	0.4	69.5
29	MAPFRE North America Group	982,180	10.1	0.4	68.0
30	Markel Ins Group	973,222	40.4	0.4	96.4
31	Selective Ins Group	945,338	10.1	0.4	69.4
32	Fairfax Financial (USA) Group	910,436	18.0	0.4	85.2
33	COUNTRY Financial PC Group	909,953	14.0	0.4	64.1
34	Alfa Ins Group	908,960	7.4	0.4	69.6
35	Amica Mutual Group	889,018	12.1	0.4	72.8
36	CNA Ins Cos	878,583	22.9	0.3	91.8
37	Southern Farm Bureau Casualty Group	870,751	13.2	0.3	64.9
38	Great Amer P & C Ins Group	859,334	13.0	0.3	72.5
39	Acuity, A Mutual Ins Co	843,719	20.8	0.3	58.4
40	Shelter Ins Cos	840,409	16.1	0.3	72.3
41	Redpoint County Mutual Ins Co	791,752	19.4	0.3	73.0
42	Root Ins Group	776,596	59.6	0.3	52.0
43	Home State Ins Group	742,784	7.0	0.3	77.3
44	Old Amer Capital Group	658,039	43.8	0.3	63.7
45	Arch Ins Group	653,054	12.4	0.3	87.3
46	Federated Mutual Group	626,706	15.5	0.2	56.1
47	Texas Farm Bureau Ins Group	602,230	19.9	0.2	84.2
48	Loya Ins Group	545,673	20.5	0.2	74.9
49	BAMR US PC Group	538,951	0.3	0.2	70.8
50	Plymouth Rock Cos	534,172	26.1	0.2	75.3
51	North Carolina Farm Bureau Ins Group	529,274	12.7	0.2	62.6
52	Palisades Group	506,337	3.3	0.2	73.4
53	TN Farmers Ins Cos	482,196	13.5	0.2	75.0
54	Utica Natl Ins Group	475,003	11.4	0.2	68.5
55	Safety Group	467,799	17.2	0.2	79.4
56	EMC Ins	459,660	-1.2	0.2	54.0
57	First Acceptance Ins Group	454,508	24.1	0.2	65.5
58	Arbella Ins Group	450,375	13.4	0.2	66.7
59	KY Farm Bureau Group	437,254	10.1	0.2	82.3
60	Westfield Group	436,579	2.3	0.2	61.5
61	Consumers County Mutual Ins Co	435,190	5.6	0.2	70.4
62	Aspire Gen Ins Co	426,246	70.5	0.2	57.8
63	Clear Blue Ins Group	422,246	20.5	0.2	110.5
64	United Automobile Ins Co	416,650	32.0	0.2	65.6
65	Grange Ins Pool	415,962	-1.9	0.2	59.7
66	Farm Bureau P&C Group	411,271	15.7	0.2	65.1
67	Trisura US Ins Group	404,863	23.6	0.2	82.6
68	Core Specialty Ins Group	396,875	14.4	0.2	61.0
69	AmTrust Group	374,977	-6.4	0.2	71.6
70	West Bend Ins Group	370,094	8.5	0.1	66.7
71	Amer Transit Ins Co	366,771	13.2	0.1	243.2
72	FCCI Ins Group	362,782	12.1	0.1	65.6
73	NYCM Ins Group	362,657	20.4	0.1	76.7
74	Canal Group	360,805	4.0	0.1	62.8
75	Western Natl Ins Group	351,745	20.9	0.1	62.8
76	AssuranceAmerica Ins Group	348,045	37.4	0.1	64.1
77	Everest Re US Group	325,471	0.4	0.1	131.5
78	Incline Ins Group	324,173	25.6	0.1	58.2
79	Accredited America Ins Group	318,282	41.7	0.1	74.5
80	Safeway Ins Group	296,793	-4.3	0.1	69.0
81	MS&AD US Ins Group	296,348	66.4	0.1	55.2
82	Prime Ins Group	293,159	40.0	0.1	92.2
83	Michigan Farm Bureau PC Companies	287,059	9.8	0.1	67.8
84	Agency Ins Co of Maryland, Inc.	285,375	26.8	0.1	72.0
85	Donegal Ins Group	283,651	6.5	0.1	64.7
86	XL America Companies	282,425	26.9	0.1	162.1
87	Ocean Harbor Ins Companies	281,775	-6.0	0.1	68.5
88	First Chicago Ins Group	259,172	49.1	0.1	48.4
89	Starr Intl Group	255,853	11.7	0.1	80.8
90	Frankenmuth Ins Group	252,708	13.1	0.1	70.8
91	Skyward Specialty Ins Group	251,244	-2.3	0.1	83.9
92	Penn Natl Ins Cos	250,367	4.7	0.1	72.7
93	AF Group	250,252	0.9	0.1	83.4
94	Horace Mann Ins Group	249,834	9.9	0.1	62.8
95	Southlake Ins Group	247,669	52.9	0.1	77.8
96	GA Farm Bureau Group	242,903	17.8	0.1	61.1
97	Pemco Mutual Ins Co	233,906	45.4	0.1	83.4
98	Coaction Specialty Ins Group	230,215	25.2	0.1	69.3
99	Central Ins Cos	223,622	1.9	0.1	73.1
100	United Farm Family Mutual Ins Co	218,155	15.7	0.1	61.6

Top 100 U.S. Auto Liability Insurers Ranked by Premiums

Top 100 U.S. Auto Liability Insurers by Direct Premiums Written