All commercial auto, top writers by state--2003.
All Commercial Auto, Top Writers by State--2003
Rank is based on direct premiums written in 2003.
($ Thousands)
Direct % of
No. of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 24 393 $454,030 1.6 4.9
Alaska 48 254 72,312 0.2 21.1
Ariz. 23 389 474,169 1.6 16.1
Ark. 31 377 313,144 1.1 7.8
Calif. 1 424 2,884,642 9.9 5.8
Colo. 22 377 475,587 1.6 9.3
Conn. 25 332 417,769 1.4 7.4
Del. 44 327 104,588 0.4 1.8
D.C. 51 277 40,838 0.1 13.7
Fla. 4 432 1,772,420 6.1 12.6
Ga. 10 456 842,794 2.9 7.3
Hawaii 46 211 97,428 0.3 -1.3
Idaho 41 329 134,320 0.5 5.3
Ill. 7 481 1,280,943 4.4 8.5
Ind. 14 451 627,674 2.2 2.7
Iowa 29 396 346,097 1.2 6.2
Kan. 33 376 271,977 0.9 -1.1
Ky. 26 394 385,389 1.3 6.2
La. 20 376 535,696 1.8 3.9
Maine 39 270 152,700 0.5 12.4
Md. 19 388 537,256 1.9 8.9
Mass. 11 279 810,833 2.8 7.6
Mich. 9 394 890,450 3.1 7.9
Minn. 16 387 568,449 2.0 5.0
Miss. 32 373 308,502 1.1 7.1
Mo. 18 415 547,073 1.9 2.5
Mont. 42 320 128,323 0.4 2.8
Neb. 34 363 226,301 0.8 7.5
Nev. 35 345 209,221 0.7 15.2
N.H. 40 273 149,217 0.5 28.3
N.J. 6 362 1,291,251 4.5 8.7
N.M. 38 326 161,677 0.6 7.8
N.Y 2 408 2,197,257 7.6 8.6
N.C. 12 396 794,213 2.7 4.2
N.D. 47 311 84,440 0.3 9.4
Ohio 8 463 1,003,514 3.5 4.6
Okla. 28 385 360,438 1.2 3.9
Ore. 30 373 317,722 1.1 4.6
Pa. 5 450 1,324,749 4.6 7.7
R.I. 43 294 106,122 0.4 11.3
S.C. 27 386 $376,776 1.3 6.1
S.D. 45 323 98,130 0.3 7.9
Tenn. 15 447 573,619 2.0 4.1
Texas 3 490 2,032,920 7.0 6.1
Utah 36 333 206,836 0.7 8.8
Vt. 49 269 71,191 0.2 13.5
Va. 13 414 634,643 2.2 3.5
Wash. 21 385 507,808 1.8 9.4
W.Va. 37 320 163,487 0.6 -0.4
Wis. 17 427 566,801 2.0 7.4
Wyo. 50 291 70,843 0.2 11.3
U.S. Total 1,119 $29,004,582 100.0 7.1
Market Share
Agency Direct
State ALR (1) DOCCE (2) Writer (3) Writer (4)
Ala. 63.7 6.3 72.2 27.8
Alaska 67.8 7.9 61.5 38.5
Ariz. 57.5 4.2 63.2 36.8
Ark. 63.1 4.1 69.8 30.2
Calif. 59.0 6.7 70.0 30.0
Colo. 48.2 4.0 64.0 36.0
Conn. 47.3 3.0 73.6 26.4
Del. 65.1 5.0 67.7 32.3
D.C. 46.4 -99.9 80.3 19.7
Fla. 64.4 6.0 67.2 32.8
Ga. 64.7 4.4 70.0 30.0
Hawaii 52.7 0.7 88.8 11.2
Idaho 42.5 2.8 72.4 27.6
Ill. 60.2 5.4 68.9 31.1
Ind. 49.7 3.5 72.5 27.5
Iowa 47.2 2.9 75.5 24.5
Kan. 47.1 2.8 65.6 34.4
Ky. 55.1 6.0 69.1 30.9
La. 80.3 8.7 70.3 29.7
Maine 43.5 2.6 70.5 29.5
Md. 59.5 50.9 73.0 27.0
Mass. 56.2 3.7 90.1 9.9
Mich. 59.8 3.8 75.1 24.9
Minn. 45.0 3.8 73.1 26.9
Miss. 65.4 6.7 67.2 32.8
Mo. 62.5 4.5 63.3 36.7
Mont. 58.4 4.9 74.9 25.1
Neb. 58.9 2.8 74.1 25.9
Nev. 59.8 5.5 61.6 38.4
N.H. 49.2 3.8 69.2 30.8
N.J. 59.6 5.9 71.2 28.8
N.M. 53.2 4.2 68.2 31.8
N.Y 62.0 8.1 78.7 21.3
N.C. 55.3 3.0 70.4 29.6
N.D. 48.1 1.8 72.0 28.0
Ohio 31.6 4.0 78.5 21.5
Okla. 60.8 5.3 73.1 26.9
Ore. 50.6 4.2 65.8 34.2
Pa. 58.9 5.5 73.1 26.9
R.I. 56.2 2.3 79.3 20.7
S.C. 61.8 4.1 68.0 32.0
S.D. 46.1 3.3 71.8 28.2
Tenn. 55.1 4.1 73.8 26.2
Texas 63.6 5.5 71.7 28.3
Utah 52.8 4.7 69.4 30.6
Vt. 47.7 3.0 64.9 35.1
Va. 60.1 4.8 69.2 30.8
Wash. 47.8 4.1 70.1 29.9
W.Va. 66.5 3.7 63.9 36.1
Wis. 55.3 2.6 74.4 25.6
Wyo. 55.0 3.5 72.1 27.9
U.S. Total 57.8 5.1 71.8 28.2
% Market
State Leading Writer Share
Ala. Progressive Ins Group 9.7
Alaska AK Natl Ins Co 12.8
Ariz. Zurich/Farmers Group 10.6
Ark. Amer Intl Group, Inc 6.3
Calif. Zurich/Farmers Group 7.9
Colo. Zurich/Farmers Group 9.5
Conn. Hartford Ins Group 9.4
Del. Zurich/Farmers Group 7.7
D.C. Travelers P&C Group 16.1
Fla. Progressive Ins Group 11.0
Ga. Progressive Ins Group 8.5
Hawaii CNA Ins Cos 25.8
Idaho Safeco Ins Cos 6.9
Ill. Zurich/Farmers Group 6.9
Ind. Auto-Owners Ins Group 6.6
Iowa Old Republic Gen Group 7.9
Kan. EMC Ins Cos 6.7
Ky. Liberty Mutual Ins Cos 8.5
La. HDI U S Group 11.2
Maine White Mountains Ins 13.6
Md. Erie Ins Group 7.2
Mass. Travelers P&C Group 12.4
Mich. Auto-Owners Ins Group 12.6
Minn. Old Republic Gen Group 10.7
Miss. Zurich/Farmers Group 11.2
Mo. Zurich/Farmers Group 8.9
Mont. Safeco Ins Cos 7.6
Neb. Old Republic Gen Group 11.7
Nev. Zurich/Farmers Group 12.6
N.H. W. R. Berkley Group 12.9
N.J. Selective Ins Group 7.5
N.M. CNA Ins Cos 7.2
N.Y Amer Transit Ins Co 11.9
N.C. Zurich/Farmers Group 6.8
N.D. Old Republic Gen Group 15.7
Ohio Cincinnati Ins Cos 9.6
Okla. Great Amer P&C Ins Group 7.4
Ore. Zurich/Farmers Group 11.5
Pa. Erie Ins Group 9.6
R.I. Progressive Ins Group 12.8
S.C. Zurich/Farmers Group 7.9
S.D. Old Republic Gen Group 11.8
Tenn. Zurich/Farmers Group 5.6
Texas Zurich/Farmers Group 8.0
Utah Zurich/Farmers Group 10.4
Vt. Liberty Mutual Ins Cos 13.3
Va. Progressive Ins Group 7.6
Wash. Safeco Ins Cos 11.5
W.Va. St. Paul Cos 9.7
Wis. Acuity Group 8.1
Wyo. Old Republic Gen Group 13.0
U.S. Total Zurich/Farmers Group 6.8
% Market
State Second Leader Share
Ala. Auto-Owners Ins Group 7.6
Alaska Berkshire Hathaway Ins 10.0
Ariz. Auto-Owners Ins Group 8.0
Ark. Progressive Ins Group 6.2
Calif. Progressive Ins Group 7.1
Colo. Travelers P&C Group 7.4
Conn. Travelers P&C Group 9.2
Del. Progressive Ins Group 7.0
D.C. St. Paul Cos 9.2
Fla. Zurich/Farmers Group 7.6
Ga. Zurich/Farmers Group 7.6
Hawaii Fairfax Finl Hldgs Ltd 13.6
Idaho Travelers P&C Group 6.1
Ill. Kingsway America Group 6.8
Ind. Liberty Mutual Ins Cos 6.4
Iowa EMC Ins Cos 6.6
Kan. Nationwide Group 6.6
Ky. Zurich/Farmers Group 6.6
La. Progressive Ins Group 9.3
Maine W. R. Berkley Group 13.1
Md. Zurich/Farmers Group 6.3
Mass. Arbella Ins Group 11.1
Mich. Zurich/Farmers Group 7.1
Minn. Auto-Owners Ins Group 9.2
Miss. St. Paul Cos 10.2
Mo. State Farm Group 5.1
Mont. Old Republic Gen Group 7.3
Neb. Travelers P&C Group 7.9
Nev. Kingsway America Group 7.1
N.H. Liberty Mutual Ins Cos 12.5
N.J. Zurich/Farmers Group 6.6
N.M. Zurich/Farmers Group 7.1
N.Y Amer Intl Group, Inc 7.0
N.C. Travelers P&C Group 6.1
N.D. Zurich/Farmers Group 4.9
Ohio Westfield Group 6.2
Okla. Zurich/Farmers Group 7.1
Ore. Safeco Ins Cos 8.2
Pa. Zurich/Farmers Group 6.8
R.I. Travelers P&C Group 12.1
S.C. Auto-Owners Ins Group 7.2
S.D. W. R. Berkley Group 6.0
Tenn. Old Republic Gen Group 4.8
Texas Republic Cos Group 6.7
Utah CNA Ins Cos 6.7
Vt. W. R. Berkley Group 12.6
Va. Zurich/Farmers Group 6.0
Wash. Zurich/Farmers Group 10.8
W.Va. Erie Ins Group 8.7
Wis. Winterthur Swiss Group 7.6
Wyo. St. Paul Cos 7.8
U.S. Total Progressive Ins Group 5.2
(1) ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
(2) DDCCE: Direct defense and cost-containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.
(3) Insurers that distribute primarily through independent agents.
(4) Insurers that distribute primarily through a direct-selling system
or an exclusive agency system.
Source: A.M. Best Statement Products: State/Line. For more information
about custom data, please call (908) 439-2200, ext. 5383.
COPYRIGHT 2004 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2004, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.
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