Gap and Extras insurers

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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
80	American Modern Insurance Group (Munich Re)Munich Re's U.S. specialty personal lines arm, insuring collector cars, motorcycles, ATVs, boats and manufactured homes through agents in all 50 states.	High-net-worth and specialty insurers	0.06%	A+ (Superior)

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.