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Program carriers and fronting insurers
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 27 | MarkelA Virginia specialty insurer whose auto premium comes mostly from Hagerty's collector-car policies, which its Essentia unit issues and since 2026 fronts. | Program carriers and fronting insurers | 0.38% | A (Excellent) |
| 34 | Incline P&C GroupAustin-based fronting and program carrier whose companies issue auto policies for independent MGAs; drivers buy from the MGA, not from Incline. | Program carriers and fronting insurers | 0.28% | A- (Excellent) |
| 38 | Old American County Mutual (Orpheus Group)Fronting carrier group behind many Texas nonstandard auto policies; MGAs sell and service the coverage on Old American County Mutual paper. | Program carriers and fronting insurers | 0.25% | — |
| 39 | Home State Insurance GroupWaco-based county mutual that issues Texas auto policies for dozens of MGAs and carriers, plus Equity Insurance, an Oklahoma nonstandard auto brand. | Program carriers and fronting insurers | 0.25% | — |
| 51 | Consumers County MutualA Dallas county mutual whose name is on Travelers' Texas auto policies. Travelers sells and services the coverage; CCM is the licensed insurer on paper. | Program carriers and fronting insurers | 0.16% | — |
| 89 | Fortegra (formerly Tiptree)A Jacksonville specialty insurer sold by Tiptree to DB Insurance in 2026; its auto premium is mostly lender-related physical damage cover, not driver policies. | Program carriers and fronting insurers | 0.05% | A (Excellent) |
Ranked by 2025 U.S. private passenger auto direct premiums written, from NAIC market share data. NAIC groups combine affiliated companies, so a group may sell under several brand names.