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The landscape of personal lines auto insurance is dominated by large players, with the top five insurers controlling more than 50 percent of the market and the top 10 controlling 70 percent nationally. Richard Attanasio, vice president of property/casualty ratings for A.M. Best, notes that there are similar situations in most states.

Branding and marketing are important considerations in this highly competitive market, says Attanasio. Predictive analytics and data segmentation (meaning “big data”) will become increasingly important for auto insurers.

Rank Company/Group 2016 Direct Premiums Written ($) Market share %
1 State Farm Group 39,195,117 18.33
2 Berkshire Hathaway Insurance 25,532,051 11.94
3 Allstate Insurance Group 20,813,858 9.73
4 Progressive Insurance Group 19,611,981 9.17
5 USAA Group 11,668,187 5.46
6 Liberty Mutual Insurance Cos. 10,774,426 5.04
7 Farmers Insurance Group 10,304,622 4.82
8 Nationwide Group 7,640,558 3.57
9 American Family Insurance Group 4,005,549 1.87
10 Travelers Group 3,896,786 1.82
11 Erie Insurance Group 2,725,033 1.27
12 Auto Club Enterprises Insurance Group 2,641.336 1.24
13 CSAA Insurance Group 2,523,701 1.18
14 Hartford Insurance Group 2,484,129 1.16
15 Mercury General Group 2,423,830 1.13
16 MetLife Personal Lines Group 2,339,246 1.09
17 National General Group 2,236,697 1.05
18 Auto-Owners Insurance Group 2,127,640 0.99
19 MAPFRE North America Group 1,663,843 0.78
20 Auto Club Group 1,658,119 0.78
21 Infinity P&C Group 1,256,106 0.59
22 Kemper PC Companies 1,241,752 0.58
23 Amica Mutual Group 1,210,728 0.57
24 COUNTRY Financial PC Group 1,035,499 0.48
25 The Hanover Insurance Group Property & Casualty Cos. 1,013,636 0.47

Source: A.M. Best. Market share rankings are based on direct premiums written in 2016.

Insure.com has customer satisfaction scores and A.M. Best ratings to help you find the best car insurance companies.

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Penny Gusner
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Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s.

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