1st Look 2026: Market Share Report for MA Auto Insurance Marketplace

Published every other month, Agency Checklists’ CAR Updates review the latest data on the current state of the Private Passenger Automobile Insurance marketplace. For our first look of the year, this update reviews the market share data as of October 2025, the latest date for which complete data is available.

For those readers unfamiliar with the Commonwealth Automobile Reinsurers, better known as “CAR”, it is the official statistical agent for motor vehicle insurance in the Commonwealth of Massachusetts.

A Look at the Latest Data on Insurer Premiums & Market Share as of October 2025

As of October 2025, the Massachusetts private passenger auto market comprised 36 insurers writing a combined 4,251,405 exposures (100.00% market share).

The market is highly concentrated: the top five carriers—Commerce, Progressive, GEICO, Safety, and Plymouth Rock—accounted for 2,513,649 exposures and 59.12% of the market. Concentration increased sharply at the next tier, with the top 10 insurers representing 3,598,778 exposures and 84.64% market share. By the top 25, the market was essentially fully captured, totaling 4,223,724 exposures and 99.34% share, leaving the remaining 11 insurers to split roughly 27,681 exposures (about 0.66%) collectively. Commerce led the market with 777,785 exposures (18.29%).

The following is a list of all 36 private passenger auto insurers operating in Massachusetts as of October 2025 and ranked by exposures and market share.

🚗 Private Passenger Auto Insurers Ranked by Exposures

🏆 Rank	🏢 Company Name	📊 Exposures	📈 Market Share
1	COMMERCE	777,785	18.29%
2	PROGRESSIVE	511,410	12.03%
3	GEICO	488,576	11.49%
4	SAFETY	400,296	9.42%
5	PLYMOUTH ROCK	335,582	7.89%
6	ARBELLA	304,148	7.15%
7	TRAVELERS¹	259,378	6.10%
8	LIBERTY MUTUAL	210,370	4.95%
9	U S A A	182,903	4.30%
10	AMICA MUTUAL	128,330	3.02%
11	HANOVER	105,263	2.48%
12	METROPOLITAN	102,170	2.40%
13	NORFOLK AND DEDHAM MUTUAL	84,604	1.99%
14	QUINCY MUTUAL	67,345	1.58%
15	ALLSTATE	57,312	1.35%
16	VERMONT MUTUAL	44,628	1.05%
17	AMERICAN FAMILY	32,355	0.76%
18	FOREMOST	23,992	0.56%
19	PREFERRED MUTUAL	22,222	0.52%
20	STATE FARM	20,412	0.48%
21	GREEN MOUNTAIN	18,071	0.43%
22	CINCINNATI	12,085	0.28%
23	BANKERS STANDARD	11,791	0.28%
24	PURE	11,376	0.27%
25	TRUMBULL	11,320	0.27%
26	ARGONAUT	5,845	0.14%
27	MARKEL AMERICAN	5,663	0.13%
28	MIDDLESEX	4,723	0.11%
29	INCLINE	4,091	0.10%
30	FIREMEN’S INS CO	3,060	0.07%
31	AMERICAN INTERNATIONAL	1,690	0.04%
32	HARLEYSVILLE WORCESTER	1,287	0.03%
33	TOKIO	1,080	0.03%
34	ELECTRIC	134	0.00%
35	AMERICAN FAMILY HOME	104	0.00%
36	AMERICAN BANKERS	4	0.00%
	TOTAL	4,251,405	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 October 2025 marketplace versus the same marketplace in October 2024, October 2023, October 2022, and October 2021.

Following these graphs are two additional comparisons between the top 10 insurers in October 2025 versus the top 10 insurers five years earlier in October 2020 and then again from a decade ago in October 2015.