The Massachusetts Commercial Auto Insurance Marketplace
Agency Checklists’ latest update on the Massachusetts commercial auto insurance marketplace from CAR reviews the latest data as of April 2026. For those interested in viewing the latest April 2026 data on the Private Passenger Auto Insurance Marketplace, it can be found here.
This analysis relies on the most recent data provided by the Commonwealth Automobile Reinsurers (CAR), which serves as the official statistical agent for the state’s motor vehicle insurance industry.
CAR collects, maintains, and publishes comprehensive data on insurers operating in Massachusetts, providing a reliable foundation for market analysis.
Commercial Auto Market Concentration by Carrier Tier
Quick Facts
Total Direct Written Premium: $491,745,982
Number of Reporting Insurers: 65
Largest Market Share: Safety (13.81%)
Massachusetts’ commercial automobile insurance market is a highly concentrated marketplace with a lion’s share of the market spread among a relatively small group of insurers.
Spearheading this marketplace is Safety Insurance, which led all carriers with a 13.81% share of direct written premiums, followed by Commerce Insurance (12.11%) and Arbella (12.01%).
Together, the state’s five largest commercial auto insurers accounted for more than half of the market’s direct written premium, while the top 10 insurers represented nearly three-quarters of the market.
| Carrier Tier | Direct Written Premium | Share of Total Market |
|---|---|---|
| Top 5 insurers | $271,772,925 | 55.27% |
| Top 10 insurers | $358,872,827 | 72.98% |
| Top 20 insurers | $434,623,625 | 88.38% |
| Remaining 45 insurers | $57,122,357 | 11.62% |
| Total Market | $491,745,982 | 100.00% |
Source: Direct written premium data provided in the market share report. Market-share percentages are calculated from total direct written premium of $491,745,982 and therefore may differ slightly from the sum of individually rounded carrier percentages.
Top 10 Commercial Auto Insurers
| Rank | Company | Premium | Share |
|---|---|---|---|
| 1 | SAFETY | $67.9M | 13.81% |
| 2 | COMMERCE | $59.5M | 12.11% |
| 3 | ARBELLA | $59.1M | 12.01% |
| 4 | PROGRESSIVE | $48.5M | 9.86% |
| 5 | TRAVELERS | $36.8M | 7.49% |
| 6 | PLYMOUTH ROCK | $21.9M | 4.44% |
| 7 | FIREMAN’S | $19.6M | 3.99% |
| 8 | TOKIO MARINE & NICHIDO | $17.9M | 3.64% |
| 9 | ZURICH | $15.1M | 3.08% |
| 10 | HANOVER | $12.5M | 2.55% |
Complete Rankings of Commercial Automobile Insurers
Direct Written Premium and Market Share by Insurer
| Rank | Company | Direct Written Premium | Market Share |
|---|---|---|---|
| 1 | SAFETY | $67,909,559 | 13.81% |
| 2 | COMMERCE | $59,527,320 | 12.11% |
| 3 | ARBELLA | $59,056,098 | 12.01% |
| 4 | PROGRESSIVE | $48,464,936 | 9.86% |
| 5 | TRAVELERS | $36,815,012 | 7.49% |
| 6 | PLYMOUTH ROCK | $21,850,501 | 4.44% |
| 7 | FIREMAN’S | $19,640,319 | 3.99% |
| 8 | TOKIO MARINE & NICHIDO | $17,917,734 | 3.64% |
| 9 | ZURICH | $15,141,968 | 3.08% |
| 10 | HANOVER | $12,549,380 | 2.55% |
| 11 | TWIN CITY FIRE INS | $12,161,140 | 2.47% |
| 12 | SELECTIVE INSURANCE | $11,433,585 | 2.33% |
| 13 | UTICA | $9,485,008 | 1.93% |
| 14 | GEICO | $8,692,507 | 1.77% |
| 15 | AMERICAN CASUALTY | $6,997,771 | 1.42% |
| 16 | GREEN MOUNTAIN | $6,276,208 | 1.28% |
| 17 | FEDERATED MUTUAL | $5,372,257 | 1.09% |
| 18 | FEDERAL | $5,344,338 | 1.09% |
| 19 | CENTRAL MUTUAL INS | $5,249,245 | 1.07% |
| 20 | LIBERTY MUTUAL INS | $4,738,739 | 0.96% |
| 21 | N&D MUTUAL | $4,316,096 | 0.88% |
| 22 | ARGONAUT | $4,293,505 | 0.87% |
| 23 | NEW HAMPSHIRE | $4,075,538 | 0.83% |
| 24 | NATIONAL GRANGE | $3,846,291 | 0.78% |
| 25 | NEW YORK AND GENERAL INS | $3,268,348 | 0.66% |
| 26 | CINCINNATI | $3,210,810 | 0.65% |
| 27 | GREAT AMERICAN | $3,041,923 | 0.62% |
| 28 | EMPLOYERS MUTUAL | $2,891,582 | 0.59% |
| 29 | MIDDLESEX INS CO | $2,864,271 | 0.58% |
| 30 | OLD REPUBLIC | $2,704,546 | 0.55% |
| 31 | BANKERS | $2,393,401 | 0.49% |
| 32 | US FIRE | $2,280,472 | 0.46% |
| 33 | MERCH MUTUAL | $2,207,034 | 0.45% |
| 34 | GREENWICH | $2,168,944 | 0.44% |
| 35 | ARCH | $1,928,234 | 0.39% |
| 36 | QUINCY MUTUAL | $1,312,465 | 0.27% |
| 37 | SECURITY NATIONAL | $1,266,733 | 0.26% |
| 38 | MOTORISTS | $1,161,017 | 0.24% |
| 39 | LANCER INSURANCE CO. | $949,781 | 0.19% |
| 40 | MOBILITAS GENERAL INS. | $893,593 | 0.18% |
| 41 | PREFERRED MUTUAL | $892,004 | 0.18% |
| 42 | STANDARD FIRE | $883,047 | 0.18% |
| 43 | IMPERIUM | $709,239 | 0.14% |
| 44 | HARLEYSVILLE INS | $579,768 | 0.12% |
| 45 | PENN LUMBERMENS | $446,981 | 0.09% |
| 46 | QBE | $411,843 | 0.08% |
| 47 | STARR INDEMNITY | $409,742 | 0.08% |
| 48 | ATLANTIC SPECIALTY | $358,691 | 0.07% |
| 49 | SOMPO AMERICA | $317,421 | 0.06% |
| 50 | STATE AUTO | $242,143 | 0.05% |
| 51 | CHURCH MUTUAL | $181,855 | 0.04% |
| 52 | PENN MNFCT ASSC INS | $152,716 | 0.03% |
| 53 | BERKSHIRE HATHAWAY | $135,096 | 0.03% |
| 54 | STATE FARM | $63,129 | 0.01% |
| 55 | STONINGTON INSURANCE CO | $60,125 | 0.01% |
| 56 | AXIS REINSURANCE | $58,193 | 0.01% |
| 57 | EVEREST NATIONAL | $36,192 | 0.01% |
| 58 | CUMIS | $33,634 | 0.01% |
| 59 | MITSUI SUMITOMO | $27,429 | 0.01% |
| 60 | GUIDEONE MUTUAL | $16,562 | 0.00% |
| 61 | AMERICAN FAMILY | $12,763 | 0.00% |
| 62 | AMICA MUTUAL | $9,265 | 0.00% |
| 63 | AMERICAN ALTERNATIVE | $7,923 | 0.00% |
| 64 | STARSTONE NATIONAL | $1,682 | 0.00% |
| 65 | RLI | $330 | 0.00% |
| Total | All Insurers | $491,745,982 | 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 April 2026, compared to April 2025, April 2024, April 2023, and April 2022. Following these comparisons are two more: one from five years ago, April 2021, and the last from ten years ago, April 2016.
April 2026 v. April 2025
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April 2026 v. April 2024
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April 2026 v. April 2023
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April 2026 v. April 2022
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Today’s Commercial Auto Insurance Marketplace v. 5 Years Ago
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April 2026 v. April 2021
Today’s Commercial Auto Insurance Marketplace v. 10 Years Ago
Using the sliders, you can compare each year by sliding the window to the left or right on each graph comparison below.
View Other Recent Updates on the Auto Insurance Marketplaces in Massachusetts
2026 Private Passenger Auto Insurance Marketplace Reports
- 1st Look 2026: Market Share Report for MA Auto Insurance Marketplace
- 2nd Look 2026: Market Share Report for MA Auto Insurance Marketplace
- 3rd Look 2026: Market Share Report for MA Auto Insurance Marketplace
