2nd Look 2026: Market Share Report for MA Commercial Auto Insurers

Agency Checklists latest update on the Commercial Auto Insurance marketplace examines activity during December 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.

Three Takeaways from the latest year-end data for the Commercial auto insurance marketplace

1. Safety Insurance ends 2025 as the largest commercial auto insurer

The most significant change in the commercial auto marketplace is the shift in market leadership.

2020: Commerce Insurance Company — 15.2%
2021: Commerce — 14.6%
2022: Commerce — 13.8%
2023: Commerce — 13.7%
2024: Safety and Commerce — both 12.9%
2025: Safety Insurance Company — 12.87%

As of December 2025, Safety Insurance Company holds the largest share of the Massachusetts commercial auto market with $182.6 million in premium and 12.87% market share.

Commerce remains close behind at 11.58%, continuing the trend of the two carriers effectively anchoring the top of the market, with Commerce having led the segment for most of the past five years.

2. The Top Four Carriers Control Nearly Half of the Market

The commercial auto market remains heavily concentrated among a small number of insurers.

The top four writers in 2025 are:

Safety — 12.87%
Commerce — 11.58%
Arbella — 10.99%
Progressive — 9.04%

Combined, these four carriers account for approximately 44.5% of the Massachusetts commercial auto insurance market.

The same companies have consistently appeared among the top writers across the past five years, indicating a relatively stable competitive structure in the Commonwealth’s commercial auto segment.

3. Mid-Tier National and Regional Carriers Continue to Compete for Share

Below the top four carriers, the market becomes more fragmented.

Several insurers maintain mid-tier market positions between roughly 3% and 7%, including:

Travelers — 6.91%
Plymouth Rock — 4.77%
Fireman’s — 3.60%
Tokio Marine & Nachido — 3.37%

Other carriers with meaningful but smaller shares include Selective Insurance (2.58%), Zurich (2.48%), and Hanover (2.41%).

This portion of the market shows a broader mix of national and regional insurers competing for share, while the largest carriers remain clearly separated at the top.

🚚 Massachusetts Commercial Auto Insurance Market Share

#	🏢 Company	💰 Premiums	📊 Market Share
1	Safety	182,633,295	12.87%
2	Commerce	164,402,019	11.58%
3	Arbella	155,978,101	10.99%
4	Progressive	128,332,706	9.04%
5	Travelers	98,029,222	6.91%
6	Plymouth Rock	67,748,645	4.77%
7	Fireman’s	51,107,705	3.60%
8	Tokio Marine & Nachido	47,816,911	3.37%
9	Selective Insurance	36,682,158	2.58%
10	Zurich	35,260,594	2.48%
11	Hanover	34,201,422	2.41%
12	Twin City Fire Ins	32,238,445	2.27%
13	Old Republic	28,812,515	2.03%
14	Utica	28,088,509	1.98%
15	Mobilitas General Ins.	27,769,363	1.96%
16	Liberty Mutual Ins	27,433,508	1.93%
17	Federated Mutual	18,466,890	1.30%
18	GEICO	18,201,348	1.28%
19	Green Mountain	17,862,196	1.26%
20	American Casualty	17,658,206	1.24%
21	Great American	15,317,022	1.08%
22	Federal	14,227,725	1.00%
23	New Hampshire	13,530,278	0.95%
24	National Grange	13,124,834	0.92%
25	Central Mutual Ins	11,903,088	0.84%
26	Cincinnati	11,174,002	0.79%
27	N&D Mutual	11,019,092	0.78%
28	Argonaut	10,743,990	0.76%
29	Employers Mutual	10,057,573	0.71%
30	Arch	8,836,821	0.62%
31	New York and General Ins	8,226,402	0.58%
32	US Fire	7,878,498	0.56%
33	Middlesex Ins Co	7,501,597	0.53%
34	Bankers	6,727,717	0.47%
35	Merchants Mutual	5,847,466	0.41%
36	Imperium	5,753,589	0.41%
37	Quincy Mutual	4,034,874	0.28%
38	Greenwich	3,555,206	0.25%
39	Security National	2,590,068	0.18%
40	Starr Indemnity	2,527,594	0.18%
41	Motorists	2,509,966	0.18%
42	Preferred Mutual	2,493,705	0.18%
43	Lancer Insurance Co.	2,088,011	0.15%
44	Everest National	1,769,041	0.12%
45	Prime Property & Casualty	1,706,434	0.12%
46	Penn Lumbermens	1,649,735	0.12%
47	Church Mutual	1,585,970	0.11%
48	Harleysville Ins	1,455,886	0.10%
49	Protective	1,421,685	0.10%
50	Sompo America	1,285,245	0.09%
51	Berkshire Hathaway	1,278,704	0.09%
52	Atlantic Specialty	1,210,066	0.09%
53	Penn Manufacturers Assoc Ins	1,142,670	0.08%
54	State Auto	1,050,153	0.07%
55	QBE	824,337	0.06%
56	Mitsui Sumitomo	557,362	0.04%
57	Axis Reinsurance	506,557	0.04%
58	American Family	378,955	0.03%
59	Falls Lake	327,585	0.02%
60	Amica Mutual	163,430	0.01%
61	StarStone National	136,316	0.01%
62	State Farm	109,429	0.01%
63	American Alternative	94,076	0.01%
64	American Automobile	69,960	0.00%
65	CUMIS	64,541	0.00%
66	GuideOne Mutual	60,920	0.00%
67	RLI	60,212	0.00%
68	Allied World Specialty	58,193	0.00%
69	Standard Fire	49,443	0.00%
70	Markel American	11,684	0.00%
	Total Market	1,419,421,465	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 December 2025, compared to December 2024, December 2023, December 2022, and December 2021. Following these comparisons are two more: one from five years ago, December 2020, and the last from ten years ago, December 2015.