Massachusetts Auto Insurance Market Share: June 2026

Massachusetts private passenger automobile insurance market share rankings

June Data Shows Commerce Still No. 1 As Pending MAPFRE-Safety Deal Puts 27% Of Market in Focus

Agency Checklists’ latest look at the Massachusetts private passenger automobile insurance marketplace finds Commerce continuing as the state’s largest private passenger auto insurer as of June 2026, followed by Progressive, GEICO, Safety, and Plymouth Rock.

The June data also provide a new perspective on one of the most significant developments in the Massachusetts insurance marketplace this year: MAPFRE’s pending $1.54 billion acquisition of Safety Insurance.Commerce accounts for 18.38% of Massachusetts private passenger auto exposures, while Safety accounts for another 8.96%. Together, the two represent 696,136 exposures, or approximately 27.34% of the 2.55 million exposures reported through June.

With the transaction not yet been completed, Commerce and Safety remain separate companies in the June market data.

Commerce Leads, While Progressive Holds Second Place

Commerce remained Massachusetts’ largest private passenger auto writer through June, with 467,943 exposures and an 18.38% market share.

Progressive ranked second with 336,553 exposures, representing 13.22% of the market, followed by GEICO with 287,002 exposures and an 11.27% share.

Safety is currently the fourth largest private passenger auto insurer with an 8.96% share of the market, while Plymouth Rock rounded out the top five with 211,946 exposures and an 8.32% share.

The top five companies collectively accounted for 1,531,637 exposures, or 60.15% of the Massachusetts private passenger auto market through June 2026.

Top 10 Account For Nearly 86% Of Massachusetts Market

Market concentration increases substantially when the next five insurers are included.

Arbella ranked sixth with 6.76% of exposures, followed by Travelers at 6.25%, Liberty Mutual at 5.48%, USAA at 4.20% and Amica Mutual at 2.99%.

Together, the 10 largest writers accounted for 2,185,500 exposures, representing 85.83% of the statewide market through June.

Pending MAPFRE-Safety Acquisition Adds New Context To Market Rankings

The June figures take on additional significance following MAPFRE’s agreement to acquire Safety Insurance for approximately $1.54 billion.

Commerce alone currently holds an 18.38% share of the Massachusetts private passenger market. Safety adds another 8.96%. On a simple combined basis using the June CAR categories, the two companies account for approximately 27.34% of Massachusetts private passenger auto exposures.

That calculation reflects their existing June 2026 exposures and does not treat the pending acquisition as completed or assume how the companies or their books of business will be structured following the transaction.

Market Concentration By Carrier Tier

Market Segment	Combined Exposures	Combined Market Share
Top 5 insurers	1,531,637	60.15%
Top 10 insurers	2,185,500	85.83%
Top 20 insurers	2,491,146	97.84%
Total Market	2,545,947	100.00%

The June figures continue to show a highly concentrated Massachusetts private passenger automobile market. The five largest writers account for slightly more than 60% of exposures, while the top 10 account for nearly 86%. The following is a reprint of the entire Private Passenger Auto Insurance marketplace as of June 2026. As always, all our data comes courtesy of the Commonwealth Automobile Reinsurers (CAR), the authority that serves as the official statistical agent for motor vehicle insurance in Massachusetts.

Massachusetts Private Passenger Auto Insurance Market Share — June 2026

Rank	Company	Exposures	Market Share
1	COMMERCE	467,943	18.38%
2	PROGRESSIVE	336,553	13.22%
3	GEICO	287,002	11.27%
4	SAFETY	228,193	8.96%
5	PLYMOUTH ROCK	211,946	8.32%
6	ARBELLA	172,081	6.76%
7	TRAVELERS¹	159,242	6.25%
8	LIBERTY MUTUAL	139,640	5.48%
9	U S A A	106,815	4.20%
10	AMICA MUTUAL	76,085	2.99%
11	HANOVER	61,578	2.42%
12	METROPOLITAN	56,210	2.21%
13	NORFOLK AND DEDHAM MUTUAL	43,876	1.72%
14	QUINCY MUTUAL	37,082	1.46%
15	ALLSTATE	34,030	1.34%
16	VERMONT MUTUAL	23,028	0.90%
17	FOREMOST	13,526	0.53%
18	AMERICAN FAMILY	13,096	0.51%
19	PREFERRED MUTUAL	12,135	0.48%
20	STATE FARM	11,085	0.44%
21	GREEN MOUNTAIN	8,834	0.35%
22	CINCINNATI	7,142	0.28%
23	PURE	6,706	0.26%
24	BANKERS STANDARD	6,546	0.26%
25	TRUMBULL	5,879	0.23%
26	MARKEL AMERICAN	3,876	0.15%
27	ARGONAUT	2,907	0.11%
28	PALISADES	2,883	0.11%
29	MIDDLESEX	2,506	0.10%
30	INCLINE	2,437	0.10%
31	FIREMEN’S INS CO	1,818	0.07%
32	HARLEYSVILLE WORCESTER	958	0.04%
33	AMERICAN INTERNATIONAL	950	0.04%
34	TOKIO	687	0.03%
35	MOTOR CLUB	575	0.02%
36	AMERICAN FAMILY HOME	65	0.00%
37	ELECTRIC	30	0.00%
38	AMERICAN BANKERS	2	0.00%
	TOTAL MARKET	2,545,947	100.00%

¹ Standard Fire is the company designation appearing in the market data.

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 June 2026 marketplace alongside the corresponding June 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 June 2021, and then with the top 10 insurers a decade earlier in June 2016.