MA Auto Market Share Update: Feb. 2026 CAR Data

CAR data shows Massachusetts auto insurance market share trends through Feb. 2026, with top 10 carriers controlling 86.45% of the market.

A look at the latest data

Published every other month, Agency Checklists’ CAR Updates provide a detailed look at the latest trends in the private passenger automobile insurance market. In this third update of the year, we review market share data through February 2026, the most recent month for which complete data is available.

For readers unfamiliar with the Commonwealth Automobile Reinsurers (CAR), it serves as the official statistical agent for motor vehicle insurance in Massachusetts.

CAR Year-Over-Year Insights

Comparing February 2026 with February 2025, the Massachusetts private passenger automobile market shows modest shifts among the top carriers. Commerce retained its lead, slightly increasing market share, while Progressive and Standard Fire saw the largest percentage gains. Safety, Arbella, and Plymouth Rock experienced small declines in share and exposures, and Allstate and Vermont Mutual also saw notable reductions.

Overall, total exposures decreased by approximately 18,700 year-over-year, reflecting a slight contraction in the market alongside gradual consolidation among the largest writers. Turning to this group, the top ten writers collectively account for 86.45% of the market in Massachusetts, underscoring their dominance in this line of insurance.

🚗 Massachusetts Private Passenger Auto Insurance Market Share

Rank	Company Name	Exposures	Market Share
1	COMMERCE	154,367	18.64%
2	PROGRESSIVE	102,009	12.32%
3	GEICO	94,711	11.44%
4	SAFETY	76,391	9.22%
5	PLYMOUTH ROCK	66,201	7.99%
6	ARBELLA	57,019	6.88%
7	Travelers¹	55,520	6.70%
8	LIBERTY MUTUAL	49,468	5.97%
9	U S A A	35,116	4.24%
10	AMICA MUTUAL	24,638	2.97%
11	METROPOLITAN	18,956	2.29%
12	HANOVER	18,585	2.24%
13	NORFOLK AND DEDHAM MUTUAL	15,107	1.82%
14	QUINCY MUTUAL	13,402	1.62%
15	VERMONT MUTUAL	7,883	0.95%
16	ALLSTATE	6,020	0.73%
17	FOREMOST	4,902	0.59%
18	AMERICAN FAMILY	4,741	0.57%
19	PREFERRED MUTUAL	4,118	0.50%
20	STATE FARM	3,332	0.40%
21	GREEN MOUNTAIN	3,008	0.36%
22	TRUMBULL	1,945	0.23%
23	CINCINNATI	1,938	0.23%
24	BANKERS STANDARD	1,909	0.23%
25	PURE	1,815	0.22%
26	ARGONAUT	1,056	0.13%
27	MIDDLESEX	918	0.11%
28	INCLINE	887	0.11%
29	PALISADES	658	0.08%
30	FIREMEN’S INS CO	445	0.05%
31	MARKEL AMERICAN	412	0.05%
32	HARLEYSVILLE WORCESTER	276	0.03%
33	AMERICAN INTERNATIONAL	270	0.03%
34	TOKIO	144	0.02%
35	ELECTRIC	14	0.00%
—	Total Market	828,179	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 2026 marketplace versus the same marketplace in February 2025, 2024, 2023, 2022, and 2021.

Following these graphs are two additional comparisons between the top 10 insurers in February 2026 versus the top 10 insurers five years earlier in February 2021, and then again from a decade ago in February 2016.