6th Look 2025: Market Share Report for MA Commercial Auto Insurers

Our latest update on the Commercial Auto Insurance marketplace examines activity during August 2025. As we note in each of our reports, this analysis is based upon data provided by the Commonwealth Automobile Reinsurers (CAR).

For readers who may be unfamiliar with CAR, the authority serves as the official statistical agent for motor vehicle insurance in Massachusetts, collecting and maintaining data for the Commonwealth’s motor vehicle insurance industry

A Look at the Latest Data on Insurer Premiums & Market Share

As in our 5th look of the year, Safety continues to top the list as the largest commercial insurer so far this year, reporting $121,804,809 in premiums as of August, representing a 13.10% share of the market. It should be noted that typically throughout a year, both Commerce and Safety trade places in the number one spot for the largest share of this marketplace, depending upon which months data is being presented. True to form, Commerce is a close second with $113,019,771 premiums reported as of August, representing a 12.15% market share. As for the rest of the top five, the group is rounded out by Arbella, Progressive and Travelers.

Commercial Auto Insurers Ranked by Premiums & Market Share as of August 2025

Company	Premiums	Market Share
SAFETY	121,804,809	13.10%
COMMERCE	113,019,771	12.15%
ARBELLA	108,362,516	11.65%
PROGRESSIVE	86,824,216	9.34%
TRAVELERS	69,177,568	7.44%
PLYMOUTH ROCK	47,438,793	5.10%
TOKIO MARINE & NACHIDO	37,746,855	4.06%
FIREMAN’S	33,073,762	3.56%
ZURICH	24,952,892	2.68%
SELECTIVE INSURANCE	24,108,222	2.59%
HANOVER	23,150,395	2.49%
TWIN CITY FIRE INS	21,178,732	2.28%
LIBERTY MUTUAL INS	20,213,357	2.17%
UTICA	16,826,500	1.81%
FEDERATED MUTUAL	12,271,895	1.32%
GREEN MOUNTAIN	12,007,669	1.29%
GEICO	11,523,354	1.24%
OLD REPUBLIC	11,209,028	1.21%
AMERICAN CASUALTY	10,914,422	1.17%
NATIONAL GRANGE	9,308,854	1.00%
NEW HAMPSHIRE	9,008,481	0.97%
GREAT AMERICAN	8,260,137	0.89%
FEDERAL	7,827,781	0.84%
CENTRAL MUTUAL INS	7,582,788	0.82%
N&D MUTUAL	7,076,118	0.76%
NEW YORK AND GENERAL INS	7,065,690	0.76%
FARM FAMLY	6,938,436	0.75%
EMPLOYERS MUTUAL	6,738,447	0.72%
CINCINNATI	6,301,950	0.68%
US FIRE	5,469,660	0.59%
BANKERS	5,446,912	0.59%
MIDDLESEX INS CO	4,978,256	0.54%
MERCH MUTUAL	3,863,739	0.42%
ARCH	3,392,165	0.36%
QUINCY MUTUAL	2,678,185	0.29%
IMPERIUM	1,889,627	0.20%
GREENWICH	1,869,930	0.20%
MOTORISTS	1,770,934	0.19%
SECURITY NATIONAL	1,759,117	0.19%
PREFERRED MUTUAL	1,741,572	0.19%
LANCER INSURANCE CO.	1,231,414	0.13%
BERKSHIRE HATHAWAY	1,187,371	0.13%
STARR INDEMNITY	1,179,575	0.13%
MOBILITAS GENERAL INS.	1,088,934	0.12%
HARLEYSVILLE INS	1,073,796	0.12%
ATLANTIC SPECIALTY	991,851	0.11%
ARGONAUT	952,307	0.10%
STATE AUTO	869,450	0.09%
SOMPO AMERICA	641,300	0.07%
PROTECTIVE	627,713	0.07%
EVEREST NATIONAL	620,778	0.07%
PENN LUMBERMENS	564,620	0.06%
CHURCH MUTUAL	501,394	0.05%
PENN MNFCT ASSC INS	463,035	0.05%
QBE	233,720	0.03%
AXIS REINSURANCE	199,198	0.02%
MITSUI SUMITOMO	190,751	0.02%
FALLS LAKE	107,322	0.01%
AMICA MUTUAL	100,522	0.01%
STATE FARM	71,759	0.01%
AMERICAN AUTOMOBILE	69,960	0.01%
ALLIED WORLD SPECIALTY	49,457	0.01%
RLI	35,536	0.00%
AMERICAN ALTERNATIVE	31,611	0.00%
CUMIS	31,087	0.00%
GUIDEONE MUTUAL	30,472	0.00%
AMERICAN FAMILY	20,637	0.00%
STARSTONE NATIONAL	15,331	0.00%
MARKEL AMERICAN	11,684	0.00%
TOTAL	929,966,120	100.00%

Agency Checklists’ Proprietary Retrospective of the Commercial Auto Marketplace

The following are graphs depicting the state of the Commercial Auto Insurance Marketplace over the past 10 years. The first graph shows the top ten Commercial Auto Insurers as of August 2025, compared to August 2024, August 2023, August 2022, and August 2021. Following these comparisons are two more: one from five years ago, August 2020, and the last from ten years ago, August 2015.