Puerto Rico insurers

National carriers 11
AAA auto clubs 3
Regional carriers 40
Farm Bureau insurers 15
Affinity and military insurers 4
Nonstandard and high-risk specialists 19
Digital and insurtech insurers 10
High-net-worth and specialty insurers 6
Puerto Rico insurers 2
Program carriers and fronting insurers 6

#	Insurer	Type	Market share (2025)	AM Best
66	Universal Insurance (Puerto Rico)Guaynabo-based insurer of Universal Group that calls itself Puerto Rico's largest auto insurer, selling annual, double-interest and liability auto policies.	Puerto Rico insurers	0.08%	A- (Excellent)
68	Seguros MúltiplesPuerto Rico insurance cooperative owned by about 150 local cooperatives, in business since 1965 and selling auto, home and business coverage island-wide.	Puerto Rico insurers	0.07%	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.