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The largest commercial auto insurers (2025)
The 25 largest U.S. commercial auto insurers by 2025 direct premiums written, from NAIC data, and what the concentration means for fleets and trucking.
Commercial auto covers the vehicles a business owns or uses, from a contractor's single pickup to a 500-tractor trucking fleet. NAIC's total commercial auto line (liability plus physical damage) came to $77.55 billion in 2025 direct premiums written, and the 25 groups below wrote 66.9% of it.
No other commercial line is as concentrated at the top. Progressive, which built its commercial book on small fleets and owner-operators sold through agents and online, wrote more than the next two groups combined. Below the leaders the list mixes national carriers, trucking specialists and regional mutuals that write auto as part of a business package.
The top 25
Ranked by 2025 direct premiums written in commercial auto, U.S. states and territories, by insurance group. Share is of the line's national total ($77.55 billion).
| Rank | Insurer group | 2025 premiums | Share |
|---|---|---|---|
| 1 | Progressive Commercial | $10.18 billion | 13.12% |
| 2 | Travelers | $4.20 billion | 5.42% |
| 3 | Berkshire Hathaway | $3.88 billion | 5.00% |
| 4 | Old Republic | $3.35 billion | 4.32% |
| 5 | Liberty Mutual | $2.76 billion | 3.55% |
| 6 | State Farm | $2.43 billion | 3.13% |
| 7 | Zurich North America | $2.42 billion | 3.12% |
| 8 | Auto-Owners Insurance | $2.19 billion | 2.83% |
| 9 | AIG | $1.74 billion | 2.25% |
| 10 | The Hartford | $1.68 billion | 2.16% |
| 11 | W. R. Berkley | $1.55 billion | 2.00% |
| 12 | Fairfax Financial | $1.41 billion | 1.82% |
| 13 | Chubb | $1.32 billion | 1.71% |
| 14 | Selective Insurance | $1.22 billion | 1.57% |
| 15 | Great American Insurance Group | $1.21 billion | 1.55% |
| 16 | Tokio Marine | $1.19 billion | 1.53% |
| 17 | Erie Insurance | $1.15 billion | 1.48% |
| 18 | CNA | $1.11 billion | 1.44% |
| 19 | Acuity | $1.05 billion | 1.36% |
| 20 | Cincinnati Insurance | $1.04 billion | 1.33% |
| 21 | Arch Insurance | $1.00 billion | 1.30% |
| 22 | Sentry Insurance | $983.2 million | 1.27% |
| 23 | Kemper | $978.4 million | 1.26% |
| 24 | Federated Insurance | $947.8 million | 1.22% |
| 25 | CSAA Insurance Group | $869.9 million | 1.12% |
The five largest groups wrote 31.4% of the line, and Progressive Commercial alone wrote 13.1%.
How much of each leader's business this is
Some of the largest writers are specialists for whom commercial auto is most of what they do; for others it is one line among many. The share below is the line's portion of each group's 2025 premium across the 17 commercial lines in our overall ranking.
| Insurer group | Commercial auto premiums | Share of its commercial premiums |
|---|---|---|
| Progressive Commercial | $10.18 billion | 87% |
| Travelers | $4.20 billion | 15% |
| Berkshire Hathaway | $3.88 billion | 21% |
| Old Republic | $3.35 billion | 44% |
| Liberty Mutual | $2.76 billion | 14% |
| State Farm | $2.43 billion | 26% |
| Zurich North America | $2.42 billion | 17% |
| Auto-Owners Insurance | $2.19 billion | 29% |
| AIG | $1.74 billion | 12% |
| The Hartford | $1.68 billion | 11% |
Reading the numbers
Direct premiums written are the premiums an insurer booked in the year for policies it issued, before it passed any of the risk to reinsurers. They are the cleanest measure of who sells the most commercial auto coverage, but they move with price as well as volume: in a year of steep rate increases a carrier can climb the table without insuring a single extra business, and a carrier that shrinks a troubled book on purpose will fall. They also say nothing about profit. NAIC publishes loss ratios beside the premiums, and a large writer with a poor loss ratio may be the one raising rates or tightening appetite next year. Finally, group totals hide brands. The policy you buy is issued by one company inside the group, often under a name you will not see in this table; the how to judge a business insurance company guide explains how to check the company actually named on your quote.
What the ranking means for a buyer
Commercial auto has been one of the least profitable commercial lines for more than a decade, driven by large liability verdicts and higher repair costs (see why commercial auto insurance keeps getting more expensive and trucking verdicts and the cost of auto liability). That shows up for buyers as rate increases, tighter driver criteria and fewer markets for heavy trucks. A carrier's size in this table says nothing about its appetite for your vehicles: some of the largest writers prefer light vehicles and small fleets, others specialize in long-haul trucking.
Before you shop, pull your drivers' motor vehicle records and your loss runs; underwriters will. Then compare quotes on the same limits and symbols with business insurance quote comparison worksheet.
Questions to ask before you choose a carrier
- Which vehicle types, radius of operation and cargo does the carrier write, and what driver criteria (age, experience, MVR points) does it apply?
- Which coverage symbols will the policy use, and does it include hired and non-owned auto?
- Does the carrier offer or require telematics or dashcams, and how is the data used in pricing and claims?
- For motor carriers: will it file the federal and state proofs of insurance, and how quickly?
- How does it handle physical damage claims: preferred shops, total loss settlement, rental reimbursement?
How this list was built
The figures are direct premiums written in calendar year 2025 for NAIC's commercial auto line, for business in the 50 states, D.C. and U.S. territories, from the NAIC's 2025 Market Share Reports for Property/Casualty Groups and Companies (published August 2026). NAIC reports by insurance group, combining affiliated companies under common ownership as filed with the NAIC in August 2025, so a group may sell under several brand names, and ownership changes since then are not reflected. Direct premiums are what the companies wrote before reinsurance; they measure size, not profitability, service or financial strength. Where a group has a profile on this site its name links to it, with its ratings, contacts and history.
For the overall picture across all commercial lines, see The 100 largest U.S. business insurance companies.
Key takeaways
- U.S. commercial auto direct premiums came to $77.55 billion in 2025 (NAIC).
- The 25 largest groups wrote 66.9% of the line; Progressive Commercial was the largest.
- Size measures premium volume, not price, appetite or claims service; check ratings and fit on each profile.
- Groups combine several companies and brands, so the company on your policy may carry a different name.