U.S. Auto Insurance Market Share 2025: Top 100 Companies & Groups
Who Leads the U.S. Private-Passenger Auto Insurance Market?
State Farm Group leads the NAIC 2025 Total Private Passenger Auto market with $69.164 billion in direct premiums written and an official 18.62% market share. Progressive Group is almost level at $69.006 billion and 18.58%, while Berkshire Hathaway Group, which includes GEICO insurance companies in the NAIC group index, ranks third with $42.857 billion and 11.54%.
The five largest entries are State Farm, Progressive, Berkshire Hathaway, Allstate and United Services Automobile Association Group (USAA). Together, they account for an official cumulative 65.05% of the market.
Here, “largest” means largest by direct premiums written. Metric: Total Private Passenger Auto DPW. Unit: U.S. dollars, with NAIC source values reported in $000. Data year: 2025. Target year: 2025. Geography: States and U.S. Territories. Direction: descending, so higher DPW ranks higher.
Source mode: one official NAIC ranking report. Coverage: 100 confirmed Group/Company entries. Status counts: 100 official published values; 0 calculated values; 0 official forecasts; 0 modeled projections. The final report containing the 2025 data was published in August 2026. Supporting NAIC reference pages used for definitions are listed separately in Sources and do not alter the ranking values.
$69.164B DPW · 18.62% market share.
$143.9M DPW · 0.04% market share.
Official cumulative market share through rank 100.
NAIC source values are reported in $000; report published August 2026.
0 calculated · 0 forecasts · 0 modeled projections.
Official cumulative share after the ten largest entries.
How to Read U.S. Auto Insurance Market Share
Quick answer
This is a premium-volume ranking. A group or standalone company with a larger dollar amount of 2025 direct premiums written ranks higher. It does not rank insurers by assets, corporate revenue, customer count, policy count, claims service, profitability or price.
The percentages shown in the tables are the official NAIC market-share values published with the source data.
Why some percentages do not add perfectly: individual market-share figures are displayed to two decimal places, while NAIC cumulative share is based on underlying unrounded values. Adding the displayed percentages can therefore differ from the official cumulative percentage by 0.01 percentage point.
What are direct premiums written?
Direct premiums written are premiums received directly by an insurer without adjustment for amounts ceded to a reinsurer. In this ranking, DPW is the premium-volume measure used to compare NAIC groups and standalone companies.
Written vs. earned premiums
Written premium reflects premium generated from policies written during a period. Earned premium reflects the portion associated with coverage already provided. This ranking uses direct premiums written, not direct premiums earned.
Why can DPW differ between insurers?
Premium volume can differ because insurers have different policy volumes, geographic footprints, coverage mixes, books of business and average premiums. The ranking does not assign any one factor as the cause of a specific company's position.
Why market share is not customer share
The numerator and denominator are measured in premium dollars, not policies, drivers or insured vehicles. Two insurers can therefore have different premium shares even if customer counts are similar.
Why GEICO appears under Berkshire Hathaway Group
The NAIC consolidates affiliated insurance companies into ownership groups. Its group index lists GEICO Advantage Insurance Co, GEICO Casualty Co, GEICO General Insurance Co, Government Employees Insurance Co and other GEICO affiliates under Berkshire Hathaway. That is why the group-level market-share table shows Berkshire Hathaway Group rather than a separate GEICO row.
The ranking uses the NAIC countrywide aggregation for States and U.S. Territories. It does not use the separate aggregation that also includes Canada and Aggregate Other Alien business.
The source line is Total Private Passenger Auto. Commercial Auto is reported separately and is not mixed into this ranking.
Top 10 Largest U.S. Auto Insurance Groups by 2025 Premium Volume
State Farm and Progressive together account for an official cumulative 37.19% of the market. The top four reach 58.87%, the top five 65.05%, and the top ten 76.77%.
Top 10 · Total Private Passenger Auto · States and U.S. Territories · 2025 data
| Rank | NAIC Group / Company | 2025 DPW | Region / Note |
|---|---|---|---|
| 1 | State Farm Group | $69.164B | 18.62% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 2 | Progressive Group | $69.006B | 18.58% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 3 | Berkshire Hathaway Group | $42.857B | 11.54% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 · includes GEICO affiliates |
| 4 | Allstate Insurance Group | $37.672B | 10.14% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 5 | United Services Automobile Association Group | $22.945B | 6.18% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 · USAA group |
| 6 | Farmers Insurance Group | $13.245B | 3.57% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 7 | Liberty Mutual Group | $10.411B | 2.80% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 8 | Travelers Group | $7.157B | 1.93% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 9 | Auto Club Enterprises Insurance Group | $7.055B | 1.90% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 10 | American Family Insurance Group | $5.693B | 1.53% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
Source unit is $000. Display values are formatted in billions for readability. Rank is based on the unrounded official DPW amount. Official cumulative percentages use unrounded source values, so they can differ slightly from the sum of displayed two-decimal shares.
Top 20 Auto Insurance Groups by Direct Premiums Written
State Farm and Progressive form a distinct first tier, followed by Berkshire Hathaway and Allstate. The official cumulative market share reaches 86.44% by rank 20.
Methodology and Data Definitions
Metric
Total Private Passenger Auto direct premiums written.
Unit
U.S. dollars. NAIC ranking-source values are reported in $000 and displayed here as billions or millions.
Direction
Descending. Higher raw 2025 DPW ranks higher. Display rounding never determines rank.
Target year
2025 observed annual-statement data. Final report publication: August 2026.
Geographic coverage
States and U.S. Territories. Canada and Aggregate Other Alien business are excluded.
Entity basis
NAIC Group/Company. Affiliated legal insurers can be consolidated under an ownership group.
Data status
100 official published values. No calculated values, forecasts, projections or imputed ranking values.
Missing values
No missing DPW values occur among the included Top 100. Any row lacking a usable source value, year or method basis would be excluded rather than estimated.
The NAIC states that direct written premiums in the market-share report come from the Exhibit of Premiums and Losses in the Property/Casualty annual statement. Insurance groups consist of companies related by ownership, so a group-level entry can include several affiliated legal insurers.
The countrywide table publishes 125 groups and companies for Total Private Passenger Auto. This page deliberately uses exactly the first 100 confirmed entries, which account for an official cumulative 98.70% of the 2025 market.
The final NAIC market-share report is the sole numeric authority for rank, DPW and published market share on this page. Supporting NAIC references are used only to clarify terminology and publication context. No conflicting third-party value is averaged into the ranking dataset.
Display conversion only: source DPW in $000 ÷ 1,000,000 = billions of U.S. dollars. Values below $1 billion are displayed in millions. The raw ranking values remain the official source numbers.
Market share is conceptually DPW divided by total industry DPW. The page uses the official NAIC market-share percentage accompanying each row rather than substituting an independently estimated percentage.
Individual market-share values are displayed to two decimal places. Official cumulative percentages use underlying unrounded figures, so adding displayed shares can produce a 0.01 percentage-point difference from the published cumulative total.
The NAIC source also reports loss-ratio information, but loss ratio does not affect this ranking. This page ranks only by direct premiums written and should not be interpreted as a ranking of underwriting profitability, claims quality or insurer performance.
“Largest” on this page means largest by private-passenger auto direct premiums written. It does not mean largest by total corporate revenue, assets, market capitalization, total policyholders or number of insured vehicles.
The ranking does not measure policy count, customer count, insured vehicles, average price, claims satisfaction, complaint ratios, financial strength, direct premiums earned or commercial auto business.
Data verification date: September 20, 2026. Data year: 2025. Target year: 2025. Report publication: August 2026.
Top 100 U.S. Auto Insurance Companies and Groups
This is a premium-volume ranking by 2025 direct premiums written. Search official NAIC Group/Company names, sort the confirmed rows, or switch between the Top 10, Top 20 and full Top 100. Search metadata also recognizes common brand terms such as GEICO and USAA.
Showing 100 entries.
2025 Total Private Passenger Auto · States and U.S. Territories · ranked by direct premiums written
| Rank | NAIC Group / Company | 2025 DPW | Region / Note |
|---|---|---|---|
| 1 | State Farm Group | $69.164B | 18.62% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 2 | Progressive Group | $69.006B | 18.58% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 3 | Berkshire Hathaway Group | $42.857B | 11.54% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 · includes GEICO affiliates |
| 4 | Allstate Insurance Group | $37.672B | 10.14% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 5 | United Services Automobile Association Group | $22.945B | 6.18% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 · USAA group |
| 6 | Farmers Insurance Group | $13.245B | 3.57% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 7 | Liberty Mutual Group | $10.411B | 2.80% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 8 | Travelers Group | $7.157B | 1.93% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 9 | Auto Club Enterprises Insurance Group | $7.055B | 1.90% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 10 | American Family Insurance Group | $5.693B | 1.53% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 11 | Erie Insurance Group | $5.268B | 1.42% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 12 | Auto-Owners Group | $5.163B | 1.39% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 13 | CSAA Insurance Group | $5.074B | 1.37% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 14 | Nationwide Corp Group | $4.067B | 1.09% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 15 | Mercury General Group | $3.563B | 0.96% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 16 | Sentry Insurance Group | $3.071B | 0.83% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 17 | Kemper Corp Group | $2.976B | 0.80% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 18 | Automobile Club MI Group | $2.645B | 0.71% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 19 | Hartford Fire & Casualty Group | $2.319B | 0.62% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 20 | New Jersey Manufacturers Group | $1.745B | 0.47% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 21 | Amica Mutual Group | $1.642B | 0.44% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 22 | Shelter Insurance Group | $1.592B | 0.43% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 23 | MAPFRE Insurance Group | $1.579B | 0.43% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 24 | Country Insurance & Financial Services Group | $1.576B | 0.42% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 25 | The Hanover Insurance Group | $1.520B | 0.41% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 26 | Southern Farm Bureau Casualty Group | $1.462B | 0.39% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 27 | Markel Group | $1.425B | 0.38% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 28 | Alfa Insurance Group | $1.421B | 0.38% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 29 | Root Inc Group | $1.223B | 0.33% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 30 | Cincinnati Financial Group | $1.221B | 0.33% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 31 | Chubb Ltd Group | $1.116B | 0.30% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 32 | Texas Farm Bureau Mutual Group | $1.100B | 0.30% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 33 | Tennessee Farmers Group | $1.070B | 0.29% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 34 | Incline Insurance Group LLC | $1.055B | 0.28% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 35 | North Carolina Farm Bureau Group | $1.038B | 0.28% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 36 | Tesla Inc Group | $1.037B | 0.28% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 37 | Plymouth Rock Insurance Group | $946.9M | 0.25% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 38 | Orpheus Group | $928.5M | 0.25% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 39 | Home State Insurance Group | $920.0M | 0.25% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 40 | Aspire General Insurance Co | $876.7M | 0.24% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 41 | Kentucky Farm Bureau Group | $874.8M | 0.24% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 42 | Iowa Farm Bureau Group | $831.0M | 0.22% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 43 | Loya Group | $805.1M | 0.22% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 44 | Palisades Group | $786.8M | 0.21% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 45 | NYCM Insurance Group | $764.9M | 0.21% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 46 | Safety Group | $701.5M | 0.19% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 47 | Tokio Marine Holdings Inc Group | $663.2M | 0.18% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 48 | Arbella Insurance Group | $618.9M | 0.17% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 49 | Grange Mutual Casualty Group | $606.9M | 0.16% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 50 | Michigan Farm Bureau Group | $601.2M | 0.16% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 51 | Consumers County Mutual Insurance Co | $595.2M | 0.16% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 52 | First Acceptance Insurance Group | $576.8M | 0.16% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 53 | Horace Mann Group | $491.2M | 0.13% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 54 | United Automobile Insurance Co | $488.4M | 0.13% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 55 | AssuranceAmerica Corp Group | $477.7M | 0.13% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 56 | Westfield Group | $475.4M | 0.13% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 57 | Indiana Farm Bureau Group | $435.7M | 0.12% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 58 | Acuity A Mutual Insurance Co | $414.2M | 0.11% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 59 | Safeway Insurance Group | $383.7M | 0.10% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 60 | PEMCO Mutual Insurance Co | $364.4M | 0.10% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 61 | GoAuto Group | $337.2M | 0.09% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 62 | West Bend Insurance Group | $330.6M | 0.09% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 63 | Warrior Invictus Holding Co Group | $330.1M | 0.09% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 64 | Brookfield Wealth Solutions Group | $309.8M | 0.08% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 65 | Georgia Farm Bureau Group | $304.6M | 0.08% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 66 | Universal Insurance Co Group | $297.1M | 0.08% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 67 | Agency Insurance Co of MD Inc | $279.7M | 0.08% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 68 | Cooperativa de Seguros Multiples Group | $277.8M | 0.07% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 69 | American International Group | $272.6M | 0.07% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 70 | California Casualty Management Group | $270.4M | 0.07% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 71 | North Star Co Group | $265.9M | 0.07% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 72 | Grinnell Mutual Group | $251.7M | 0.07% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 73 | Pennsylvania National Insurance Group | $248.9M | 0.07% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 74 | FMNE Insurance Co | $247.3M | 0.07% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 75 | Donegal Group | $239.0M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 76 | Frankenmuth Group | $237.8M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 77 | Citizens United Reciprocal Exchange | $235.9M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 78 | Virginia Farm Bureau Group | $232.6M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 79 | Utica Group | $229.1M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 80 | Munich Re Group | $223.7M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 81 | Ocean Harbor Group | $218.2M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 82 | Bear River Mutual Insurance Co | $211.2M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 83 | Missouri Farm Bureau Group | $206.6M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 84 | Western National Mutual Group | $205.8M | 0.06% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 85 | Selective Insurance Group | $192.5M | 0.05% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 86 | Citadel Partners Group | $183.1M | 0.05% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 87 | Farm Bureau Group | $177.9M | 0.05% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 88 | Elephant Insurance Co | $168.8M | 0.05% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 89 | Tiptree Financial Group | $168.3M | 0.05% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 90 | Germania Insurance Group | $167.0M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 91 | Traders Insurance Co | $162.5M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 92 | W. R. Berkley Corp Group | $158.8M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 93 | Goodville Mutual Group | $156.9M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 94 | Ohio Mutual Group | $153.9M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 95 | Quincy Mutual Group | $149.9M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 96 | Oklahoma Farm Bureau Group | $148.8M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 97 | Central Mutual Insurance Co Group | $147.7M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 98 | N&D Union Mutual Insurance Group | $146.9M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 99 | Encova Mutual Insurance Group | $145.1M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
| 100 | Anchor Insurance Holdings Group | $143.9M | 0.04% share · States & U.S. Territories · Official NAIC · Data year: 2025 · Target year: 2025 |
The official NAIC table continues through rank 125. This page intentionally stops at exactly 100 confirmed entries; official cumulative market share at rank 100 is 98.70%.
What the 2025 Ranking Shows
Key Insight
State Farm and Progressive are separated by only $158.169 million in direct premiums written. Their official market shares are 18.62% and 18.58%, respectively.
Notable Pattern
Premium volume is concentrated near the top. Official cumulative share reaches 58.87% after four entries, 65.05% after five, 76.77% after ten and 86.44% after twenty.
Regional/Source Concentration
Every ranked row uses the same national NAIC market-share report and the same geography: States and U.S. Territories. No state-level, Canadian, foreign or third-party ranking values are mixed into the Top 100.
Outlier
The first two entries each exceed $69 billion in DPW. Progressive at rank 2 is $26.149 billion above Berkshire Hathaway at rank 3, creating a large break between the top two and the rest of the ranking.
What Market Share Does — and Does Not — Tell You
This ranking answers a specific question: which U.S. private-passenger auto insurance groups and standalone companies write the largest dollar volume of premium?
It does not identify the cheapest insurer, the company with the most policyholders, the insurer with the best claims service or the most profitable carrier. A larger DPW figure can reflect a larger book of business, different average premiums, a different coverage mix, a broader geographic footprint or a combination of factors.
Group reporting is important when interpreting familiar consumer brands. GEICO is represented through Berkshire Hathaway Group because affiliated GEICO insurance companies are consolidated under that ownership group in the NAIC structure.
Loss ratio is separate from this ranking. Although the NAIC report includes loss-ratio information, ordering here is determined only by direct premiums written. A high market-share position should therefore not be read as a profitability or insurer-quality score.
The figures are a one-year 2025 snapshot. They are not growth rates, CAGR estimates or forecasts. Measuring year-over-year growth would require a separate historical comparison using consistent group structures and comparable prior-year data.
Frequently Asked Questions
What does “largest auto insurer” mean in this ranking?
“Largest” means largest by 2025 Total Private Passenger Auto direct premiums written. It does not mean largest by assets, total corporate revenue, customer count, policy count or market capitalization.
What is the size of the U.S. private passenger auto insurance market in 2025?
The NAIC reports $371.484656 billion in direct premiums written for Total Private Passenger Auto in States and U.S. Territories for 2025.
Which auto insurance company or group has the largest market share in 2025?
State Farm Group ranks first with $69.164 billion in direct premiums written and an official 18.62% market share.
Who are the five largest U.S. auto insurers by premium volume?
The top five NAIC Group/Company entries are State Farm Group, Progressive Group, Berkshire Hathaway Group, Allstate Insurance Group and United Services Automobile Association Group.
How large is Progressive's auto insurance market share?
Progressive Group ranks second with $69.006 billion in 2025 direct premiums written and an official market share of 18.58%.
Why is GEICO not listed separately?
The NAIC publishes this table on a Group/Company basis. GEICO insurance companies appear in the NAIC group index under Berkshire Hathaway, so their business is represented within Berkshire Hathaway Group rather than as a separate GEICO row.
What percentage of the market do the Top 10 insurers account for?
The official cumulative market share after rank 10 is 76.77%. Because individual percentages are displayed to two decimal places, adding the rounded percentages can differ slightly from the official cumulative figure calculated from unrounded values.
How is auto insurance market share calculated?
Conceptually, market share equals an insurer's or group's direct premiums written divided by total industry direct premiums written, multiplied by 100. This page displays the official NAIC percentage published with each row.
What is the difference between direct premiums written and earned?
Written premium reflects premium generated from policies written during a reporting period. Earned premium reflects the portion associated with coverage already provided. This ranking uses direct premiums written.
Does market share equal the number of customers?
No. Market share here is based on premium dollars, not policies, customers, drivers or insured vehicles.
Does loss ratio affect the ranking?
No. The NAIC report contains loss-ratio information, but this ranking sorts only by direct premiums written. Loss ratio is not used to determine rank.
Does this ranking include commercial auto insurance?
No. It uses the NAIC Total Private Passenger Auto line. Commercial Auto is reported separately.
Are these forecasts for 2026?
No. This is a 2026 publication snapshot of observed 2025 annual-statement data. Every ranking row is an official published value, not a forecast or modeled projection.
How much of the market is covered by the Top 100?
The official cumulative market share at rank 100 is 98.70%. The NAIC countrywide table continues through rank 125.
Sources
The ranking itself uses one numeric source: the final NAIC 2025 Property/Casualty Market Share Report. Additional NAIC pages below support terminology and publication context but do not supply alternative ranking values.
NAIC — 2025 Market Share Reports for Property/Casualty Groups and Companies by State and Countrywide
Primary ranking source. Used for all 100 ranks, direct premiums written, market-share percentages, cumulative market share, industry total, geography and Group/Company methodology. Data year: 2025. Target year: 2025. Final report publication: August 2026. Relevant table: Total Private Passenger Auto, States and U.S. Territories, publication pages 402–403.
https://content.naic.org/sites/default/files/publication-msr-pb-property-casualty.pdf
NAIC — Glossary of Insurance Terms
Supporting definition source. Used to clarify Direct Written Premium, written premium and related insurance terminology. It does not alter any ranking value.
NAIC Publications Catalog
Supporting publication source. Used to confirm the report and publication context for the Property/Casualty Market Share series. It does not supply alternative row values.
