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Regional carriers
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 10 | American Family InsuranceMadison, Wisconsin mutual sold through exclusive agents in 19 states; offers DriveMyWay telematics and MilesMyWay low-mileage pricing. Sold The General in 2024. | Regional carriers | 1.53% | A (Excellent) |
| 11 | Erie InsurancePennsylvania-based reciprocal insurer sold only through independent agents in 12 states and D.C., known for Rate Lock and top J.D. Power scores. | Regional carriers | 1.42% | A (Excellent) |
| 12 | Auto-Owners InsuranceLansing, Michigan mutual founded in 1916 and sold only through independent agents in 26 states, with strong claims scores and no general telematics program. | Regional carriers | 1.39% | A+ (Superior) |
| 15 | Mercury InsuranceCalifornia's leading independent-agent auto insurer, founded by George Joseph in 1961 and now selling auto insurance in 11 states. | Regional carriers | 0.96% | A (Excellent) |
| 20 | NJM InsuranceWest Trenton, New Jersey insurer founded in 1913 that sells auto insurance direct in five Mid-Atlantic states and tops J.D. Power claims rankings. | Regional carriers | 0.47% | — |
| 22 | Shelter InsuranceA Missouri-based mutual sold by local agents in 14 central and southern states, ranked first in J.D. Power's Central region nine times. | Regional carriers | 0.43% | A (Excellent) |
| 23 | MAPFRE InsuranceThe U.S. arm of Spain's MAPFRE, sold by independent agents, and Massachusetts' largest auto insurer; it agreed in July 2026 to buy Safety Insurance. | Regional carriers | 0.43% | A (Excellent) |
| 24 | COUNTRY FinancialAn Illinois insurer founded by farmers in 1925 and tied to Illinois Farm Bureau, selling auto through local representatives in 19 states. | Regional carriers | 0.42% | A+ (Superior) |
| 25 | The HanoverA Worcester, Mass., insurer founded in 1852 that sells home-and-auto packages only through independent agents in 19 states, led by Michigan. | Regional carriers | 0.41% | A (Excellent) |
| 37 | Plymouth Rock AssuranceBoston-based Northeast insurer founded in 1982, selling auto and home cover in six states through independent agents and direct, known for its claim services. | Regional carriers | 0.25% | A- (Excellent) |
| 44 | Palisades (Plymouth Rock Assurance in New Jersey)New Jersey reciprocal insurance group, managed by Plymouth Rock, that underwrites Plymouth Rock Assurance auto policies in NJ, PA, NY and CT. | Regional carriers | 0.21% | A- (Excellent) |
| 45 | NYCM InsuranceFamily-managed New York mutual founded in 1899, selling auto, home and umbrella coverage only in New York through about 1,000 independent agents. | Regional carriers | 0.21% | A (Excellent) |
| 46 | Safety InsuranceBoston-based insurer selling auto and home coverage in Massachusetts, New Hampshire and Maine through independent agents; MAPFRE agreed to buy it in 2026. | Regional carriers | 0.19% | A (Excellent) |
| 48 | Arbella InsuranceQuincy, Massachusetts, mutual founded in 1988 that sells auto, home and business coverage in New England exclusively through independent agents. | Regional carriers | 0.17% | A (Excellent) |
| 49 | Grange InsuranceColumbus, Ohio, mutual founded by Ohio State Grange members in 1935, selling auto, home and business coverage through independent agents in 13 states. | Regional carriers | 0.16% | A (Excellent) |
| 56 | Westfield InsuranceOhio insurer founded by farmers in 1848 that sells auto and home coverage through independent agents in nine states, often combined in one WesPak policy. | Regional carriers | 0.13% | A (Excellent) |
| 58 | Acuity InsuranceSheboygan, Wisconsin mutual in business since 1925 that sells business, home and auto insurance through independent agents in more than 30 states. | Regional carriers | 0.11% | A+ (Superior) |
| 60 | PEMCO InsuranceSeattle mutual founded in 1949 that sells car and home insurance only in Washington and Oregon; J.D. Power's top Northwest auto insurer eight times. | Regional carriers | 0.10% | — |
| 62 | West Bend InsuranceWisconsin mutual founded in 1894 that sells auto, home and business insurance only through independent agents, with personal auto in six states. | Regional carriers | 0.09% | A (Excellent) |
| 64 | American National (Farm Family)Brookfield-owned property and casualty arm of Texas-founded American National, now rebranding as Farm Family; sells auto, farm and business coverage via agents. | Regional carriers | 0.08% | A (Excellent) |
| 67 | Agency Insurance CompanyHanover, Maryland, auto insurer selling personal, commercial and motorcycle coverage through independent agents in MD, PA, TN and VA since 1990. | Regional carriers | 0.08% | A- (Excellent) |
| 71 | North Star MutualA Minnesota mutual founded in 1920 that sells auto, farm, home and business insurance through independent agents in eight Midwest and Plains states. | Regional carriers | 0.07% | A+ (Superior) |
| 72 | Grinnell MutualAn Iowa reinsurer of farm mutuals, founded in 1909, that also sells Grinnell Compass auto policies through independent agents in 12 Midwest states. | Regional carriers | 0.07% | A (Excellent) |
| 73 | Penn National InsuranceA Harrisburg, Pennsylvania mutual founded in 1919 that sells auto, home and business insurance through about 1,200 independent agencies in 13 states. | Regional carriers | 0.07% | A (Excellent) |
| 74 | FMNE InsuranceFormerly Farmers Mutual of Nebraska, a Lincoln-based mutual dating to 1891 that sells auto, farm and home insurance via independent agents in NE, SD and ND. | Regional carriers | 0.07% | A (Excellent) |
| 75 | Donegal Insurance GroupA Marietta, Pennsylvania insurer dating to 1889 whose mutual and Nasdaq-listed affiliates sell auto, home and business coverage through independent agents. | Regional carriers | 0.06% | A (Excellent) |
| 76 | Frankenmuth InsuranceA Michigan insurer founded in 1868 that sells personal auto in Michigan and Ohio, and through subsidiary Patriot in three New England states, via agents. | Regional carriers | 0.06% | A (Excellent) |
| 77 | CURE Auto InsuranceA Princeton, N.J., reciprocal exchange founded in 1990 that sells car insurance direct in NJ, PA and Michigan, pricing mainly on driving record, not credit. | Regional carriers | 0.06% | — |
| 79 | Utica NationalA New York mutual founded in 1914 as a workers' comp insurer that now sells auto, home and business insurance through independent agents. | Regional carriers | 0.06% | A (Excellent) |
| 82 | Bear River MutualUtah's oldest mutual property-casualty insurer, founded in 1909, selling auto and home coverage only in Utah through independent agents. | Regional carriers | 0.06% | A- (Excellent) |
| 84 | Western National InsuranceA Minnesota mutual group founded in 1900, selling auto through independent agents in the Upper Midwest and Alaska, plus nonstandard auto via American Freedom. | Regional carriers | 0.06% | A+ (Superior) |
| 85 | Selective InsuranceA New Jersey commercial insurer founded in 1926 whose smaller personal lines unit sells auto and home in 15 states through independent agents. | Regional carriers | 0.05% | A+ (Superior) |
| 90 | Germania InsuranceA Texas-only, member-owned farm mutual founded in 1896, selling auto, home, farm and life coverage through local agents from its Brenham home office. | Regional carriers | 0.04% | — |
| 93 | Goodville MutualA Mennonite-founded mutual from New Holland, Pennsylvania, selling auto, home, farm and church insurance through independent agents in eight states. | Regional carriers | 0.04% | A (Excellent) |
| 94 | Ohio Mutual Insurance GroupA Bucyrus, Ohio, mutual founded in 1901 that sells auto, home and farm insurance through independent agents in Ohio, Indiana and five New England states. | Regional carriers | 0.04% | A (Excellent) |
| 95 | Quincy MutualA Massachusetts mutual founded in 1851 that sells auto and home insurance through independent agents in Massachusetts, Connecticut, Rhode Island and Maine. | Regional carriers | 0.04% | A+ (Superior) |
| 97 | Central InsuranceA Van Wert, Ohio, mutual insurer founded in 1876 that sells Signature and Summit auto policies through independent agents in 27 states. | Regional carriers | 0.04% | A (Excellent) |
| 98 | N&D Union Mutual Insurance GroupTwo affiliated New England mutuals: Norfolk & Dedham, selling auto insurance in Massachusetts, and Union Mutual, selling it in Vermont, New Hampshire and Maine. | Regional carriers | 0.04% | A (Excellent) |
| 99 | Encova InsuranceA Columbus, Ohio, mutual group formed by Motorists and BrickStreet that sells auto, home and business insurance through independent agents. | Regional carriers | 0.04% | A (Excellent) |
| — | Mutual of EnumclawA Washington mutual founded by farmers in 1898, selling home, auto, business and farm insurance only through independent agents in seven Western states. | Regional carriers | — | 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.