2026 Massachusetts Auto Insurance Market Share Report

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

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 fourth update of the year, we review market share data through April 2026, the most recent month for which complete data is available. For those interested in viewing the latest April 2026 data on the Commercial Auto Insurance Marketplace, it can be found here.

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

Market Concentration by Tier

The five largest insurers account for 60.32% of all private passenger automobile insurance exposures, while the top 10 insurers control 85.97% of the market.

Concentration increases further beyond that point, with the top 20 insurers representing 98.01% of all exposures, leaving the remaining 18 insurers to collectively account for just 1.99% of the statewide private passenger automobile insurance market.

Market Segment	Combined Exposures	Combined Market Share
Top 5 insurers	1,019,488	60.32%
Top 10 insurers	1,453,212	85.97%
Top 20 insurers	1,656,850	98.01%
Remaining 18 insurers	33,478	1.99%*
Total Market	1,690,328	100.00%

*Calculated as the complement to the Top 20 market share (100.00% − 98.01% = 1.99%). The remaining 18 insurers account for 33,478 exposures.

Massachusetts Private Passenger Insurance Market Leaders by Exposures as of April 2026

Company	Exposures	Market Share
COMMERCE	311,675	18.44%
PROGRESSIVE	224,480	13.28%
GEICO	192,658	11.40%
SAFETY	150,214	8.89%
PLYMOUTH ROCK	140,461	8.31%
ARBELLA	113,151	6.69%
TRAVELERS¹	107,729	6.37%
LIBERTY MUTUAL	95,299	5.64%
U S A A	68,687	4.06%
AMICA MUTUAL	48,858	2.89%
HANOVER	39,698	2.35%
METROPOLITAN	37,608	2.22%
NORFOLK AND DEDHAM MUTUAL	29,377	1.74%
QUINCY MUTUAL	25,675	1.52%
ALLSTATE	22,170	1.31%
VERMONT MUTUAL	15,258	0.90%
FOREMOST	9,682	0.57%
AMERICAN FAMILY	9,274	0.55%
PREFERRED MUTUAL	8,021	0.47%
STATE FARM	6,875	0.41%
GREEN MOUNTAIN	5,749	0.34%
CINCINNATI	4,318	0.26%
BANKERS STANDARD	4,133	0.24%
PURE	3,973	0.24%
TRUMBULL	2,938	0.17%
MARKEL AMERICAN	2,278	0.13%
ARGONAUT	2,022	0.12%
MIDDLESEX	1,967	0.12%
PALISADES	1,763	0.10%
INCLINE	1,605	0.09%
FIREMEN’S INS CO	1,050	0.06%
AMERICAN INTERNATIONAL	601	0.04%
HARLEYSVILLE WORCESTER	551	0.03%
TOKIO	409	0.02%
MOTOR CLUB	87	0.01%
AMERICAN FAMILY HOME	17	0.00%
ELECTRIC	15	0.00%
AMERICAN BANKERS	1	0.00%
Total	1,690,328	100.00%

Appears as Standard Fire in the official CAR Market Share Report ↩︎

Agency Checklists’ Retrospective of the Massachusetts Private Passenger Auto Insurance Marketplace

The following side-by-side comparisons allow readers to examine how the Massachusetts private passenger automobile insurance marketplace has changed over the past decade. The first four comparisons show the April 2026 marketplace alongside the corresponding April marketplace snapshots from 2025, 2024, 2023, and 2022.

Following those comparisons are two longer-term views of the market, comparing the top 10 insurers in April 2026 with the top 10 insurers five years earlier in April 2021, and then with the top 10 insurers a decade earlier in April 2016.