The Top Home, Commercial & Auto Insurers

The National Association of Insurance Commissioners (NAIC) released its final insurance figures for 2025. For firms selling homeowners, the NAIC said they are going into 2027 with much better underwriting results than in the past.

AM Best said the underwriting gain was $16.5 billion in 2025. It’s the first underwriting profit in six years.

As always — but increasingly concerning — are wildfires, hurricanes, tornadoes and other weather events that continue to be the biggest financial challenge faced by insurers. Add to that growing construction costs, inflation, tariff challenges and regulations and the challenge grows exponentially.

These are the top 10 homeowners insurers from 2025 according to NAIC statistics:

1. State Farm

Direct premiums written in 2025: $35.2 billion

Market share in 2025: 18.69%

2. Allstate

Direct premiums written in 2025: $17.76 billion

Market share in 2025: 9.42%

3. USAA

Direct premiums written in 2025: $13.26 billion

Market share in 2025: 7.02%

4. Liberty Mutual

Direct premiums written in 2025: $10.4 billion

Market share in 2025: 5.51%

5. Farmers

Direct premiums written in 2025: $10.31 billion

Market share in 2025: 5.46%

6. American Family

Direct premiums written in 2025: $9.72 billion

Market share in 2025: 5.15%

7. Travelers

Direct premiums written in 2025: $8.62 billion

Market share in 2025: 4.57%

8. Chubb

Direct premiums written in 2025: $4.71 billion

Market share in 2025: 2.5%

9. Auto-Owners Insurance

Direct premiums written in 2025: $4.14 billion

Market share in 2025: 2.19%

10. Erie Insurance

Direct premiums written in 2025: $3.71 billion

Market share in 2025: 1.97%

The NAIC also released information on the top commercial auto insurers from 2025:

1. Progressive

Direct written premium in 2025: $10.18 billion

Market share in 2025: 13.2%

2. Travelers

Direct written premium in 2025: $4.21 billion

Market share in 2025: 5.46%

3. Berkshire Hathaway

Direct written premium in 2025: $3.98 billion

Market share in 2025: 5.05%

4. Old Republic

Direct written premium in 2025: $3.35 billion

Market share in 2025: 4.35%

5. Liberty Mutual

Direct written premium in 2025: $2.6 billion

Market share in 2025: 3.64%

6. State Farm

Direct written premium in 2025: $2.43 billion

Market share in 2025: 3.15%

7. Zurich

Direct written premium in 2025: $2.42 billion

Market share in 2025: 3.14%

8. Auto-Owners Group

Direct written premium in 2025: $2.19 billion

Market share in 2025: 2.84%

9. AIG

Direct written premium in 2025: $1.75 billion

Market share in 2025: 2.27%

10. The Hartford

Direct written premium in 2025: $1.68 billion

Market share in 2025: 2.18%

The insurance platform, Insurify did an analysis of more than 250 million quotes and found the 10 insurance companies offering the lowest auto rates.

1. Countrywide

Average monthly cost for liability: $45

Average monthly cost for full coverage: $91

2. Auto-Owners

Average monthly cost for liability: $47

Average monthly cost for full coverage: $89

3. State Farm

Average monthly cost for liability: $53

Average monthly cost for full coverage: $103

4. GEICO

Average monthly cost for liability: $79

Average monthly cost for full coverage: $143

5. Safeco

Average monthly cost for liability: $85

Average monthly cost for full coverage: $137

6. National General

Average monthly cost for liability: $88

Average monthly cost for full coverage: $176

7. Allstate

Average monthly cost for liability: $91

Average monthly cost for full coverage: $159

8. Dairyland

Average monthly cost for liability: $102

Average monthly cost for full coverage: $248

9. Root

Average monthly cost for liability: $111

Average monthly cost for full coverage: $181

Source link: PropertyCasualty360.com — https://bit.ly/4in9lk0

Source link: PropertyCasualty360.com — https://bit.ly/3WqqEIf

Source link: PropertyCasualty360.com — https://bit.ly/4jS5Z9K