6th Look 2025: Market Share Report for MA Auto Insurance Marketplace

2025 PPA MARKET SHARE SLIDER | Agency Checklists

Insights on the Latest Market Share Data as of August 2025

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 sixth look of the year, this update reviews the market share data as of August 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.

Commerce Remains Consistent

Commerce Insurance (MAPFRE) continues to lead the Massachusetts private passenger auto market, holding 18.22% of total exposures as of August 2025, a share it has maintained within a narrow 18.1–18.3% range since early in the year. The carrier’s stable position reflects its deep agency distribution and brand presence, which continue to anchor it well ahead of national direct writers. Despite modest fluctuations in exposure counts typical of the policy-year cycle, Commerce’s lead remains structurally unchanged.

2. Progressive Extends Its Edge Over GEICO

Progressive overtook GEICO in May 2025 and has since maintained a consistent advantage in market share — 11.92% versus GEICO’s 11.56% in August.
Both carriers continue to compete tightly for second place, but Progressive’s gains over the summer months suggest stronger policy acquisition momentum through its agency network and digital platforms. Together, the two national direct writers now account for roughly 23.5% of the market, underscoring their entrenched dominance below Commerce.

3. Regional Carriers Maintain Solid Middle-Tier Shares

Massachusetts-based and regional carriers remain highly competitive in the middle segment.

Safety Insurance continues to hold around 9.6% of the market and is ranked fourth in total market share.
Plymouth Rock follows Safety with approximately 8.0%, and
Arbella had approximately 7.1% of the market as of August.

These carriers’ shares have remained consistent throughout 2025, reflecting stable renewal retention among agent-distributed business and sustained policyholder loyalty within the state’s core personal auto market.

4. Travelers (Standard Fire) and Liberty Mutual Round Out the Top Tier

The Travelers Companies’ Standard Fire subsidiary continues to secure a solid 6.0% share, followed by Liberty Mutual at 5.0%. Both maintain their positions as large, diversified national carriers active in Massachusetts’ independent agency channel.

🚗 Private Passenger Auto Insurers Ranked by Premiums – August 2025

🏢 Company Name	📊 Exposures	📈 Market Share
Commerce	624,158	18.22%
Progressive	408,487	11.92%
GEICO	395,911	11.56%
Safety	329,650	9.62%
Plymouth Rock	274,524	8.01%
Arbella	243,894	7.12%
Standard Fire	206,469	6.03%
Liberty Mutual	170,355	4.97%
USAA	146,508	4.28%
Amica Mutual	104,163	3.04%
Hanover	83,484	2.44%
Metropolitan	72,516	2.12%
Norfolk & Dedham Mutual	68,163	1.99%
Quincy Mutual	56,043	1.64%
Allstate	46,083	1.35%
Vermont Mutual	36,123	1.05%
American Family	27,976	0.82%
Foremost	21,389	0.62%
Preferred Mutual	17,953	0.52%
State Farm	16,203	0.47%
Green Mountain	14,848	0.43%
Cincinnati	9,602	0.28%
Trumbull	9,512	0.28%
Bankers Standard	9,500	0.28%
PURE	9,313	0.27%
Farm Family	4,890	0.14%
Markel American	4,595	0.13%
Middlesex	3,931	0.11%
Incline	3,664	0.11%
Firemen’s Ins Co	2,404	0.07%
American International	1,385	0.04%
Harleysville Worcester	986	0.03%
Tokio	897	0.03%
Electric	124	0.00%
American Family Home	64	0.00%
American Bankers	5	0.00%
Total	3,425,772	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 August 2025 marketplace versus the same marketplace in August 2024, August 2023, August 2022, and August 2021.

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