1st Look 2026: Market Share Report for MA Commercial Auto Insurers

Agency Checklists latest update on the Commercial Auto Insurance marketplace examines activity during October 2025. As noted in each of our reports, this analysis is based on the latest available data as 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 of October 2025

Based on the latest CAR commercial auto table for October 2025, total direct premium written across the listed insurers so far this year are $1,193,414,308.

The top five writers—Safety, Commerce, Arbella, Progressive, and Travelers—accounted for $617,749,762 in premiums, representing 51.76% of the market. The top 10 insurers wrote $820,674,475 in premiums for a combined 68.77% market share. Expanding to the top 25 carriers, the group accounted for $1,085,798,177 in premiums, representing about 90.99% of the market (market-share totals reflect the table’s rounded percentages).

As of October 2025, there are currently 68 commercial auto insurers operating in the commonwealth. The following is a list of all these insurers ranked by premiums and market share.

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

1	SAFETY	154,476,275	12.94%
2	COMMERCE	138,887,052	11.64%
3	ARBELLA	131,627,821	11.03%
4	PROGRESSIVE	107,910,215	9.04%
5	TRAVELERS	84,848,399	7.11%
6	PLYMOUTH ROCK	57,536,866	4.82%
7	TOKIO MARINE & NACHIDO	42,629,883	3.57%
8	FIREMAN’S	41,958,466	3.52%
9	SELECTIVE INSURANCE	30,417,798	2.55%
10	ZURICH	30,381,700	2.55%
11	HANOVER	29,570,895	2.48%
12	MOBILITAS GENERAL INS.	27,769,363	2.33%
13	TWIN CITY FIRE INS	26,384,566	2.21%
14	LIBERTY MUTUAL INS	24,404,344	2.04%
15	UTICA	22,905,633	1.92%
16	OLD REPUBLIC	21,057,251	1.76%
17	FEDERATED MUTUAL	15,428,140	1.29%
18	GREEN MOUNTAIN	14,752,826	1.24%
19	GEICO	14,376,574	1.20%
20	AMERICAN CASUALTY	14,079,985	1.18%
21	NEW HAMPSHIRE	12,035,766	1.01%
22	NATIONAL GRANGE	11,549,780	0.97%
23	CENTRAL MUTUAL INS	10,344,204	0.87%
24	FEDERAL	10,323,441	0.87%
25	GREAT AMERICAN	10,140,934	0.85%
26	ARGONAUT	9,722,577	0.81%
27	N&D MUTUAL	9,105,921	0.76%
28	CINCINNATI	8,644,802	0.72%
29	EMPLOYERS MUTUAL	8,152,752	0.68%
30	NEW YORK AND GENERAL INS	8,022,174	0.67%
31	US FIRE	7,004,016	0.59%
32	MIDDLESEX INS CO	6,521,232	0.55%
33	ARCH	6,458,142	0.54%
34	BANKERS	5,914,103	0.50%
35	MERCH MUTUAL	4,867,959	0.41%
36	IMPERIUM	4,231,963	0.35%
37	QUINCY MUTUAL	3,359,839	0.28%
38	GREENWICH	2,538,032	0.21%
39	SECURITY NATIONAL	2,433,593	0.20%
40	PREFERRED MUTUAL	2,181,118	0.18%
41	MOTORISTS	2,122,631	0.18%
42	STARR INDEMNITY	2,120,507	0.18%
43	LANCER INSURANCE CO.	1,559,925	0.13%
44	HARLEYSVILLE INS	1,274,682	0.11%
45	BERKSHIRE HATHAWAY	1,237,067	0.10%
46	EVEREST NATIONAL	1,219,686	0.10%
47	CHURCH MUTUAL	1,201,885	0.10%
48	ATLANTIC SPECIALTY	1,041,931	0.09%
49	PROTECTIVE	1,041,489	0.09%
50	STATE AUTO	979,888	0.08%
51	PENN LUMBERMENS	947,464	0.08%
52	SOMPO AMERICA	926,128	0.08%
53	MITSUI SUMITOMO	510,162	0.04%
54	PENN MNFCT ASSC INS	500,560	0.04%
55	AXIS REINSURANCE	353,209	0.03%
56	QBE	305,006	0.03%
57	FALLS LAKE	256,682	0.02%
58	AMERICAN FAMILY	198,031	0.02%
59	AMICA MUTUAL	124,577	0.01%
60	STARSTONE NATIONAL	98,621	0.01%
61	STATE FARM	97,857	0.01%
62	AMERICAN AUTOMOBILE	69,960	0.01%
63	AMERICAN ALTERNATIVE	57,332	0.00%
64	CUMIS	56,021	0.00%
65	ALLIED WORLD SPECIALTY	49,457	0.00%
66	RLI	48,966	0.00%
67	GUIDEONE MUTUAL	46,500	0.00%
68	MARKEL AMERICAN	11,684	0.00%
	TOTAL	1,193,414,308	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 October 2025, compared to October 2024, October 2023, October 2022, and October 2021. Following these comparisons are two more: one from five years ago, October 2020, and the last from ten years ago, October 2015.

Using the sliders, you can compare each year by sliding the window to the left or right on each graph comparison below.