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2nd Look 2025: Market Share For MA Auto Marketplace

March 10, 2025 by AC Editor

Commerce continues to be the largest Private Passenger Auto Insurer in MA

Published every other month, Agency Checklists’ CAR Updates review the latest data on the current state of the Private Passenger Automobile Insurance marketplace. For our second look of the year, this update reviews the market share data as of December 2024, the latest date for which complete data is available.

In terms of what the data shows, as of December 2024, Commerce continues to hold the largest share of the private passenger auto insurance market, with 19.02% market share and 936,254 exposures, maintaining a strong lead over its competitors. GEICO follows with a 12.61% market share and 620,576 exposures, while Progressive (9.78%) and Safety (9.63%) remain close competitors, each with over 470,000 exposures. Notably, Plymouth Rock (7.70%) and Arbella (7.25%) also hold significant positions in the market.

The top ten insurers collectively dominate the sector, accounting for more than 75% of total exposures. Hanover, Metropolitan, and Norfolk and Dedham Mutual round out the middle tier, each controlling between 2% and 3% of the market, while smaller carriers such as Green Mountain, Trumbull, and Bankers Standard each hold less than 0.5% market share. The total market exposures amount to 4,921,462, highlighting the competitive nature of the Massachusetts auto insurance sector, with a clear concentration of business among the leading insurers. The total market exposures stand at 4,921,462 as of the last month of 2024.

As always, many thanks to the Commonwealth Automobile Reinsurers, which acts as the statistical agent for motor vehicle insurance in the Commonwealth of Massachusetts and provides Agency Checklists with all the data presented here.

Private Passenger Auto Insurers Ranked by Premiums & Market Share

Company NameExposuresMarket Share
COMMERCE936,25419.02%
GEICO620,57612.61%
PROGRESSIVE481,4949.78%
SAFETY474,0139.63%
PLYMOUTH ROCK379,0437.70%
ARBELLA356,6767.25%
LIBERTY MUTUAL259,4445.27%
STANDARD FIRE256,7725.22%
U S A A203,5434.14%
AMICA MUTUAL148,2283.01%
HANOVER127,8382.60%
METROPOLITAN121,9932.48%
NORFOLK AND DEDHAM MUTUAL96,8681.97%
QUINCY MUTUAL88,8191.80%
ALLSTATE76,9521.56%
AMERICAN FAMILY52,3341.06%
VERMONT MUTUAL51,6591.05%
FOREMOST32,2170.65%
PREFERRED MUTUAL25,1740.51%
STATE FARM23,9340.49%
GREEN MOUNTAIN21,5210.44%
TRUMBULL14,2510.29%
BANKERS STANDARD14,0140.28%
PURE12,6910.26%
CINCINNATI12,5930.26%
FARM FAMILY8,6690.18%
INCLINE6,1340.12%
MARKEL AMERICAN5,7480.12%
ELECTRIC3,1750.06%
FIREMEN’S INS CO2,3740.05%
AMERICAN INTERNATIONAL2,1810.04%
HARLEYSVILLE WORCESTER1,5390.03%
MIDDLESEX1,3950.03%
TOKIO1,1760.02%
AMERICAN FAMILY HOME1640.00%
AMERICAN BANKERS80.00%

Agency Checklists’ Retrospective of the PPA Marketplace

The following side-by-side comparisons allow our readers to review the state of the Private Passenger Auto Insurance Marketplace over the past decade.

The first four side-by-side comparisons show the December 2024 marketplace versus the same marketplace in Year-End 2023, Year-End 2022, Year-End 2021, and Year-End 2020.

Following these graphs are two additional comparisons between the top 10 insurers in December 2024 versus the top 10 insurers five years earlier in 2019 and then again from a decade ago in 2014.

Year-Over-Year Comparisons

Use the arrows to slide over each graph to view them individually or for further comparison.


December 2024 v. Year-End 2023


December 2024 v. Year-End 2022


December 2024 v. Year-End 2021


December 2024 v. Year-End 2020


The Private Passenger Market Share 5 Years Ago

Use the arrows to slide over each graph to view each graph individually or for further comparison.


The Private Passenger Market Share 10 Years Ago

Use the arrows to slide over each graph to view each graph individually or for further comparison.


View all of the other 2025 updates the Auto Insurance Marketplaces in Massachusetts

2025 Updates

  • 1st Look 2025: Market Share For MA Auto Marketplace
  • 1st Look: Market Share for MA Commercial Auto Marketplace

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