3rd Look 2025: Market Share Report for MA Auto Marketplace

Latest Data on Insurer’s Exposures & Market Share

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 February 2025, the latest date for which complete data is available.

For those readers unfamiliar with the Commonwealth Automobile Reinsurers, better known as “CAR”, it is the official statistical agent for motor vehicle insurance in the Commonwealth of Massachusetts.

Five thoughts on the market share data when comparing February 2025 to February 2024

The top 10 insurers in this line of insurance continue to dominate the marketplace in Massachusetts with a total of 715,153 exposures, representing an 84.46% share of the market. The following are five thoughts on this month’s data:

Commerce Shrinks Slightly but Retains Dominance

Commerce Insurance remains the market leader in February 2025 with 154,622 exposures and 18.26% market share. This number, however, reflects a decline from the 159,615 exposures, and 19.02% in market share, it had at this same time in the prior year.

This change represents a loss of 4,993 exposures, or a 3.1% year-over-year drop, indicating a modest erosion while still holding the top spot.

Progressive Surges, Passes Safety

Progressive appears to have grown sharply when comparing its numbers from February 2024 to February 2025. It increased from 65,014 exposures (7.75%) in February 2024 to 91,605 exposures (10.82%) in 2025.

This 40.9% year-over-year increase (26,591 exposures) vaulted Progressive into 3rd place, overtaking Safety, which grew more modestly from 80,947 to 82,551 exposures.

GEICO and Arbella Both Decline

GEICO lost 13,186 exposures, falling from 113,381 (13.51%) to 100,195 (11.83%) when comparing 2024 and 2025 numbers for the month of February. Arbella similarly declined, shedding 2,827 exposures, dropping from 62,046 (7.40%) to 59,219 (6.99%), though it remained in 6th place.

Middle-Tier Regional Carriers Gain Share

Standard Fire (Travelers) gained 6,755 exposures, growing from 5.46% to 6.21%, leapfrogging Liberty Mutual, which dropped from 53,475 to 48,003 exposures. Norfolk & Dedham and Quincy Mutual both posted small gains, while Hanover shrank slightly (-2,200 exposures, now 2.21%).

Smaller Market Entrants Show Volatility

Incline more than doubled its exposure count, rising from 1,057 to 2,099 (+98.5%), and Cincinnati increased by 29.9%, while Pure and Electric both posted sharp declines.

Electric Insurance is in runoff, and its plunge from 1,775 to 42 exposures confirms its market exit is progressing.

Auto Insurers Ranked by Premiums & Market Share as February 2025

#	Company Name	Exposures	Market Share
1	COMMERCE	154,622	18.26%
2	GEICO	100,195	11.83%
3	PROGRESSIVE	91,605	10.82%
4	SAFETY	82,551	9.75%
5	PLYMOUTH ROCK	67,074	7.92%
6	ARBELLA	59,219	6.99%
7	STANDARD FIRE	52,556	6.21%
8	LIBERTY MUTUAL	48,003	5.67%
9	USAA	34,107	4.03%
10	AMICA MUTUAL	25,221	2.98%
11	METROPOLITAN	20,796	2.46%
12	HANOVER	18,730	2.21%
13	NORFOLK AND DEDHAM MUTUAL	17,133	2.02%
14	QUINCY MUTUAL	15,705	1.85%
15	ALLSTATE	11,344	1.34%
16	VERMONT MUTUAL	8,897	1.05%
17	AMERICAN FAMILY	7,063	0.83%
18	FOREMOST	6,026	0.71%
19	PREFERRED MUTUAL	4,595	0.54%
20	GREEN MOUNTAIN	3,610	0.43%
21	STATE FARM	3,450	0.41%
22	TRUMBULL	2,494	0.29%
23	INCLINE	2,099	0.25%
24	PURE	1,975	0.23%
25	CINCINNATI	1,857	0.22%
26	BANKERS STANDARD	1,797	0.21%
27	FARM FAMILY	1,390	0.16%
28	MIDDLESEX	915	0.11%
29	MARKEL AMERICAN	721	0.09%
30	FIREMEN’S INS CO	414	0.05%
31	AMERICAN INTERNATIONAL	287	0.03%
32	HARLEYSVILLE WORCESTER	238	0.03%
33	TOKIO	145	0.02%
34	ELECTRIC	42	0.00%
	TOTAL	846,875	100.00%

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 February 2025 marketplace versus the same marketplace in Year-End 2024, Year-End 2023, Year-End 2022, and Year-End 2021.

Following these graphs are two additional comparisons between the top 10 insurers in February 2025 versus the top 10 insurers five years earlier in 2020 and then again from a decade ago in 2015.