Beyond repair: under the diminished-value concept, an auto insurer must reimburse a policyholder not only for repair of a damaged vehicle, but for any loss in value. Will this new liability spread? (Property/Casualty: Auto).In Georgia Georgia, country, AsiaGeorgia (jôr`jə), Georgian Sakartvelo, Rus. Gruziya, officially Republic of Georgia, republic (2005 est. pop. 4,677,000), c.26,900 sq mi (69,700 sq km), in W Transcaucasia. , the law requires that insurers not only pay for repair of damaged vehicles, but also reimburse re·im·burse tr.v. re·im·bursed, re·im·burs·ing, re·im·burs·es 1. To repay (money spent); refund. 2. To pay back or compensate (another party) for money spent or losses incurred. policyholders for any loss in value the repaired vehicle might have sustained. Now, the insurance industry must face the prospect that the practice will spread to other states. So far, it hasn't has·n't Contraction of has not. hasn't has not hasn't have spread in any meaningful way, and there is no consensus about the likelihood that it will. Georgia's Supreme Court conclusively con·clu·sive adj. Serving to put an end to doubt, question, or uncertainty; decisive. See Synonyms at decisive. con·clu  sive·ly adv. legitimized
diminished-value coverage in November November: see month. 2001, when it ruled in favor of upon the side of; favorable to; for the advantage of.See also: favor two plaintiffs in a class-action suit Noun 1. class-action suit - a lawsuit brought by a representative member of a large group of people on behalf of all members of the group class action . The court cited contract interpretation by Georgia courts going back 75 years. The ruling proved expensive for defendant State Farm Mutual Automobile automobile, self-propelled vehicle used for travel on land. The term is commonly applied to a four-wheeled vehicle designed to carry two to six passengers and a limited amount of cargo, as contrasted with a truck, which is designed primarily for the transportation of Insurance Co. Two months after the ruling, it agreed in a settlement to provide $100 million to as many as 700,000 Georgia policyholders to cover diminished di·min·ish v. di·min·ished, di·min·ish·ing, di·min·ish·es v.tr. 1. a. To make smaller or less or to cause to appear so. b. car values dating back to December December: see month. 1993, and it will pay as much as $100 million in such claims over the next six years. No other state supreme court has decisively de·ci·sive adj. 1. Having the power to decide; conclusive. 2. Characterized by decision and firmness; resolute. 3. Beyond doubt; unmistakable: a decisive defeat. found in favor of diminished value, although some lower courts have. Two supreme courts this summer--in Delaware Delaware, state, United States Delaware (dĕl`əwâr, –wər), one of the Middle Atlantic states of the United States, the country's second smallest state (after Rhode Island). and Maine--came down squarely square·ly adv. 1. Mathematics At right angles: sawed the beam squarely. 2. In a square shape. 3. against the concept. But there is some concern in the industry that the spread of diminished value is only a matter of time. "It's it's 1. Contraction of it is. 2. Contraction of it has. See Usage Note at its. it's it is or it has it's be ~have a significant issue, and insurers ought to be focused on it," said Scott Harrison Scott Harrison (born August 19 1977) was the first Scottish boxer to regain the World Boxing Organisation featherweight championship. Life Scott Harrison was born in Bellshill, Lanarkshire, but lived most of his life in Cambuslang. , a partner in charge of KPMG KPMG Klynveld Peat Marwick Goerdeler (accounting firm) KPMG Kaiser Permanente Medical Group KPMG Keiner Prüft Mehr Genau (German) KPMG Kommen Prüfen Meckern Gehen LLP's national insurance regulatory reg·u·late tr.v. reg·u·lat·ed, reg·u·lat·ing, reg·u·lates 1. To control or direct according to rule, principle, or law. 2. practice and former deputy superintendent Deputy Superintendent, or Deputy Superintendent of Police (DSP), was a rank used by police forces of the British Empire. In some territories it was called Deputy District Superintendent of Police (DDSP). of insurance in New York New York, state, United States New York, Middle Atlantic state of the United States. It is bordered by Vermont, Massachusetts, Connecticut, and the Atlantic Ocean (E), New Jersey and Pennsylvania (S), Lakes Erie and Ontario and the Canadian province of . He said judges have traditionally been inclined to find for plaintiffs when policy-issue language is litigated, and also in areas such as environmental and product litigation An action brought in court to enforce a particular right. The act or process of bringing a lawsuit in and of itself; a judicial contest; any dispute. When a person begins a civil lawsuit, the person enters into a process called litigation. . "It appears to be irresistible ir·re·sis·ti·ble adj. 1. Impossible to resist: an irresistible impulse to sneeze. 2. Having an overpowering appeal: irresistible beauty. in some states when the policyholder Policyholder An individual who owns an insurance policy. is an individual rather than a corporation," he said. "It reflects an attitude on the part of judges and juries to stick up for and help the little guy. It's human nature. Unfortunately, it has a significant impact on insurers and how they do business, and on their policyholders." The case in Georgia, Mabry vs. State Farm, stemmed stemmed adj. 1. Having the stems removed. 2. Provided with a stem or a specific type of stem. Often used in combination: stemmed goblets; long-stemmed roses. from the actions of policyholders in two separate accidents. Rudine Mabry of Columbus Columbus. 1 City (1990 pop. 178,681), seat of Muscogee co., W Ga., at the head of navigation on the Chattahoochee River; settled and inc. 1828 on the site of a Creek village. filed suit after a June June: see month. 1999 accident involving her daughter. State Farm paid $2,858 to repair the 1995 Hyundai, but it didn't did·n't Contraction of did not. didn't did not didn't do inform Mabry that she was entitled en·ti·tle tr.v. en·ti·tled, en·ti·tling, en·ti·tles 1. To give a name or title to. 2. To furnish with a right or claim to something: under her comprehensive coverage to receive $500 more to compensate for the alleged loss in the repaired car's value. State Farm. paid $7,561 to repair the Ford Contour The Ford Contour is a North American variant of the European Ford Mondeo sedan previously sold by Ford Motor Company. It was sold in North America from 1994 (as a 1995 model) through 2000. of Maurice Maurice, Byzantine emperor Maurice (môr`ĭs), c.539–602, Byzantine emperor (582–602). He was a successful general when, on his deathbed, Tiberius II, his father-in-law and the successor of Justin II, proclaimed him J. Cardenas Cár·de·nas A city of northern Cuba on the Bay of Cárdenas, an inlet of the Straits of Florida. Cárdenas is a processing and shipping center. Population: 93,900. of Lithonia after his December 1998 accident, but it didn't tell him his policy entitled him to another $3,200 for diminished value. Georgia law at the time, based on a lower court's ruling, required insurers to notify policyholders about diminished values and make the payments. In neither accident was a third party at fault. Harrison Harrison, town (1990 pop. 13,425), Hudson co., NE N.J., an industrial suburb on the Passaic River opposite Newark; inc. 1869. The town has several foundries. Its manufactures include plastics, paperboard, and metal products. said that to the extent courts require insurers to pay for claims retroactively ret·ro·ac·tive adj. Influencing or applying to a period prior to enactment: a retroactive pay increase. [French rétroactif, from Latin , or if insurers settle out of court, the impact could be significant. State Farm and other insurers didn't anticipate these claims and never charged premiums for them, so they are in for a "double whammy double whammy Noun informal a devastating setback made up of two elements double whammy n (col) → palo doble double whammy n (inf ," he said. "To the extent this litigation begins to have an industrywide in·dus·try·wide adv. & adj. Throughout an entire industry: sales that have decreased industrywide; industrywide cooperation. impact or a broad impact, I would expect to see a desire on the part of those companies to begin pricing for that risk, and that could result in increased auto rates," he said. Few Agree Except in Georgia, coverage has traditionally provided for repair of damages. Eight other states allow for diminished-value coverage, but on a "severely restricted" basis, said Robert Robert, Henry Martyn 1837-1923. American army engineer and parliamentary authority. He designed the defenses for Washington, D.C., during the Civil War and later wrote Robert's Rules of Order (1876). Noun 1. J. Hurns, counsel for the National Association of Independent Insurers, a Chicago-based trade group. (See "States That Allow Diminished-Value Coverage" on page 64.) "It's not a trend with any fire to it," he said. "It will remain where it is now, or it will be diminished. If you look at class-action lawsuits, the only one to succeed was in Georgia, where there is a legal precedent A court decision that is cited as an example or analogy to resolve similar questions of law in later cases. The Anglo-American common-law tradition is built on the doctrine of Stare Decisis ("stand by decided since 1926." Respect for contract language is the main reason for Hurns' optimism Optimism See also Hope. Bontemps, Roger personification of cheery contentment. [Fr. Lit.: “Roger Bontemps” in Walsh Modern, 66] Candide beset by inconceivable misfortunes, hero indifferently shrugs them off. [Fr. that the diminished-value concept won't won't Contraction of will not. won't will not won't will spread. He said that even the eight states allowing for some coverage permit insurers to use the Insurance Services Office Insurance Services Office, Inc. (ISO) is a provider of data, underwriting, risk management and legal/regulatory services to property-casualty insurers and other clients. Headquartered in Jersey City, New Jersey, the organization serves clients with offices throughout the United exclusion exclusion /ex·clu·sion/ (eks-kloo´zhun) 1. a shutting out or elimination. 2. surgical isolation of a part, as of a segment of intestine, without removal from the body. , which is very plain contract wording that diminished value isn't is·n't Contraction of is not. isn't is not isn't be covered. Hurns said the NAII NAII National Association of Independent Insurers monitors this issue as it does any other but doesn't does·n't Contraction of does not. feel a need to take action. "Diminished value will blow out on its own," he said. "Insurer An individual or company who, through a contractual agreement, undertakes to compensate specified losses, liability, or damages incurred by another individual. An insurer is frequently an insurance company and is also known as an underwriter. use of credit reports is an issue with some life to it, but this is not." Some See Opportunity Another reason the concept is unlikely to spread is that there is no popular groundswell ground·swell n. 1. A sudden gathering of force, as of public opinion: a groundswell of antiwar sentiment. 2. for diminished value. "This issue isn't coming from consumers, auto-repair shops or the insurance industry," said Hurns. "It's coming from entrepreneurs who say they can perform the function of determining the lost value. They are not regulated reg·u·late tr.v. reg·u·lat·ed, reg·u·lat·ing, reg·u·lates 1. To control or direct according to rule, principle, or law. 2. by any state entity. The more people they can get to believe them, the better for them." Hurns admitted that in Georgia, they are providing a service. "But elsewhere, they are misleading consumers," he said. "They don't don't 1. Contraction of do not. 2. Nonstandard Contraction of does not. n. A statement of what should not be done: a list of the dos and don'ts. say that 49 states disallow To exclude; reject; deny the force or validity of. The term disallow is applied to such things as an insurance company's refusal to pay a claim. for diminished value. They're they're Contraction of they are. they're be failing because they have a very thin vein to mine." One of these entrepreneurs, Bill Geen, disagreed. "Over time, the courts will decide how to handle this problem," he said. "I would suggest that diminished value has been in existence forever. There are providers that have done assessments for insurance companies. I would look at our service as one that levels the playing field for consumers with the insurance companies." Geen said his company's Web site had 10,000 visitors in July July: see month. and has been processing hundreds of claims each month. Geen founded ClaimCoach (www.claimcoach.com) in 1999 with partner Neil Blitstein after working 18 years with CCC CCC A very speculative grade assigned to a debt obligation by a rating agency. Such a rating indicates default or considerable doubt that interest will be paid or principal repaid. Also called Caa. Information Services See Information Systems. to provide total-loss evaluations for major insurance companies. Geen and Blitstein were expert witnesses in the Mabry vs. State Farm case even while they processed thousands of diminished-value claims in Georgia, he said. Car owners are suffering hundreds or even thousands of dollars in lost value because their vehicles have been in accidents, Geen said. "We deal with claims every day in which owners don't find out until they go to trade in their car," he said. "It's going to take years and years for this whole thing to come clean. It will take a state-by-state event that will get settled in the courts." ClaimCoach offers a free report online to let visitors see whether they have a potential claim and help them decide whether to buy the Web site's services. "We've we've Contraction of we have. we've have used years and years of experience to not only develop a tool, but a consistent calculation that will give you the same answer with respect to a claim," he said. Insurers have paid for diminished value for years, Geen said. Over time, insurers will have to look at it as yet another part of the claims process they have to consider, he predicted. Legislators eager to please constituents with new required coverages might temper tem·per n. 1. A state of mind or emotions; mood. 2. A tendency to become easily angry or irritable. 3. An outburst of rage. their enthusiasm when they realize they could also be mandating higher premiums, Geen admitted. "But if you put it side by side, the individual-consumer premium cost is minuscule minuscule Lowercase letters in calligraphy, in contrast to majuscule, or uppercase letters. Unlike majuscules, minuscules are not fully contained between two real or hypothetical lines; their stems can go above or below the line. compared to the potential loss you may suffer on a case-by-case Adj. 1. case-by-case - separate and distinct from others of the same kind; "mark the individual pages"; "on a case-by-case basis" item-by-item, individual basis," he said. Case History Two recent cases suggest states aren't aren't Contraction of are not. See Usage Note at ain't. aren't are not aren't be flocking flocking 1. counterpart of herding but for a flock. 2. precipitation, usually by the addition of a chemical, of protein in a solution for the purpose of clarifying it. to the diminished-value concept. In a July ruling, the Maine Maine, ship Maine, U.S. battleship destroyed (Feb. 15, 1898) in Havana harbor by an explosion that killed 260 men. The incident helped precipitate the Spanish-American War (Apr., 1898). Commanded by Capt. Charles Sigsbee, the ship had been sent (Jan. Supreme Court said that the limitation-of-liability provision in the plaintiff's auto insurance policy limited losses to actual cash value of stolen or damaged property or the amount necessary to repair or replace the property (Hall vs. Acadia Insurance Co.).The claim was for $12,198 in repairs and an additional $4,975 for diminution in value diminution in value n. in the event of a breach of contract, the decrease in value of property due to the failure to construct something exactly as specified in the contract. . Gerald Gerald - ["Gerald: An Exceptional Lazy Functional Programming Language", A.C. Reeves et al, in Functional Programming, Glasgow 1989, K. Davis et al eds, Springer 1990]. L. Zimmerman Zimmerman may refer to: People
nail, metal pin driven by force applied at one end into pieces of material, usually wood, to join them together. The strength of a nailed joint depends on the properties of the wood, the type and number of nails used, and the type of , said the ruling showed the court recognizes diminished value for what it is: "a flawed flaw 1 n. 1. An imperfection, often concealed, that impairs soundness: a flaw in the crystal that caused it to shatter. See Synonyms at blemish. 2. concept that isn't covered in a standard insurance policy." In Delaware's O'Brien O'Bri·en , Edna Born 1932. Irish writer whose works, including The Lonely Girl (1962) and Johnny I Hardly Knew You (1977), explore the lives of women in modern-day Ireland. Noun 1. et al vs. State Farm, the Supreme Court in a November decision addressed the issue of contract-language ambiguity Ambiguity Delphic oracle ultimate authority in ancient Greece; often speaks in ambiguous terms. [Gk. Hist.: Leach, 305] Iseult’s vow pledge to husband has double meaning. [Arth. . According to according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. KPMG's Harrison, a member of the Delaware bar, the appellant/plaintiff argued that courts in other states had interpreted Translated from source code into machine code one line at a time. See interpreted language and interpreter. interpreted - interpreter the same policy language in different ways, so the policy language must be ambiguous under the doctrine A legal rule, tenet, theory, or principle. A political policy. Examples of common legal doctrines include the clean hands doctrine, the doctrine of false demonstration, and the doctrine of merger. of contra contra Member of a counterrevolutionary force that sought to overthrow Nicaragua's left-wing Sandinista government. The original contras had been National Guardsmen during the regime of Anastasio Somoza (see Somoza family). The U.S. preferendum. The doctrine is that in a contract of adhesion adhesion contract (contract of adhesion) n. a contract (often a signed form) so imbalanced in favor of one party over the other that there is a strong implication it was not freely bargained. , in which one party drafts the language and the other party accepts or rejects it in full without negotiation, the burden of ambiguity is on the party that wrote the contract. "It's a very sound historical concept in the law, and for good reasons," said Harrison. "One party doesn't have the ability to clarify (company) Clarify - A software vendor, specialising in Customer Relationship Management software. Nortel Networks sold Clarify to Amdocs in 2002. http://amdocsclarify.com/. ambiguities, so the court ought to find in that party's favor if there is any ambiguity" Significantly, the Delaware Supreme Court The Supreme Court of Delaware is the sole appellate court in the United States' state of Delaware. Because Delaware is a popular haven for corporations, the Court has developed a worldwide reputation as a respected source of corporate law decisions, particularly in the area of didn't buy into the argument. "The fact that two or more courts have interpreted the same language differently does not in and of itself mean the policy language is ambiguous," said Harrison. "You don't look outside the policy language to find ambiguity. If you find it inherent in the contract, you look outside the contract to interpret To run a program one line at a time. Each line of source language is translated into machine language and then executed. what the party's intent was. The plaintiffs used a Hail Mary pass A Hail Mary pass or Hail Mary play in American football is a forward pass made in desperation, with only a very small chance of success. The typical Hail Mary is a very long forward heave thrown at or near the end of a half where there is no realistic possibility for any in this case." Policies written in different states aren't likely to be identical, but Harrison argues that many policies are standard forms from the Insurance Services Office and that auto-insurance contracts are "fairly well-developed well-developed adj [arm, muscle etc] → bien desarrollado; [sense] → agudo, fino well-developed adj [girl and have been in place for a long time." The Delaware decision notwithstanding, the uniformity might be a big reason litigation has sprung up around the country as quickly as it has. "You can take a favorable fa·vor·a·ble adj. 1. Advantageous; helpful: favorable winds. 2. Encouraging; propitious: a favorable diagnosis. 3. decision in one state and retail it in other states," said Harrison. "The environment that is most hospitable hos·pi·ta·ble adj. 1. Disposed to treat guests with warmth and generosity. 2. Indicative of cordiality toward guests: a hospitable act. 3. for retail legal theory and positions is where you have consistent language from state to state." In recent cases, lower courts have found on both sides of the issue. In June, a superior court in Massachusetts Massachusetts (măsəch  `sĭts), most populous of the New England states of the NE United States. denied the
insurer's motion for summary judgment motion for summary judgment n. a written request for a judgment in the moving party's favor before a lawsuit goes to trial and based on recorded (testimony outside court) affidavits (or declarations under penalty of perjury), depositions, admissions of fact, answers in Given vs. Commerce
Insurance Co. and found that diminished value is covered under a
Massachusetts auto policy. Commerce was expected to appeal. That same
month in Texas, the Dallas Dallas, city (1990 pop. 1,006,877), seat of Dallas co., N Tex., on the Trinity River near the junction of its three forks; inc. 1871. The second largest Texas city, after Houston, and the eighth largest U.S. Court of Appeals overturned a lower-court
ruling that had granted summary judgment to Progressive County Mutual
Insurance Co. Instead, it ruled in favor of Brent Brent, outer borough (1991 pop. 226,100) of Greater London, SE England. The area is a rail and industrial center. Its manufactures include automobile parts, clocks and watches, and electrical equipment. and Heather heather: see heath, in botany. heather or Scotch heather Low evergreen shrub (Calluna vulgaris) of the heath family, widespread in western Europe and Asia, North America, and Greenland. Bailey Bailey may refer to:
In the United Kingdom:
An unsuccessful party in a lawsuit must file an appeal with an appellate court in order to have the decision reviewed. cited a 1990 case in Dallas as the basis for its decision, and it declined to follow a Houston Houston, city (1990 pop. 1,630,553), seat of Harris co., SE Tex., a deepwater port on the Houston Ship Channel; inc. 1837. Economy The fourth largest city in the nation and the largest in the entire South and Southwest, Houston is a port of entry; Court of Appeals decision in April and a Texas Supreme Court decision in 1998, both of which went against the concept of diminished value. In May, a Louisiana Louisiana (ləwē'zēăn`ə, l ē'–), state in the S central United States. It is bounded by Mississippi, with the Mississippi R. circuit court reversed a trial court's
decision that an auto policy covered diminished value, a case in which
the NAII filed an amicus brief on behalf of the insurer in the original
lawsuit lawsuit: see procedure; tort. . The case, Floyd Floyd is a variant spelling of the Welsh name Lloyd, which means grey, and may refer to: Places
The Allstate Corporation NYSE: ALL is the largest publicly held personal lines insurer in the United States. Insurance Co. was able to have its case dismissed dis·miss tr.v. dis·missed, dis·miss·ing, dis·miss·es 1. To end the employment or service of; discharge. 2. , and Markel Markel Corporation is an insurance holding company. Never declaring a stock split, their stock has risen from $8.33 per share in its 1986 IPO to over $475 a share in 2007. American American, river, 30 mi (48 km) long, rising in N central Calif. in the Sierra Nevada and flowing SW into the Sacramento River at Sacramento. The discovery of gold at Sutter's Mill (see Sutter, John Augustus) along the river in 1848 led to the California gold rush of Insurance Co. won on appeal. All of the foregoing cases involved first-party damages, meaning no outside party could be blamed for the accidents. Possible Solutions If cases keep popping up in courts, insurers will have to fight them, said Harrison. "That's the way coverage battles are always fought--case by case and state by state," he said. At the same time, companies need to work at the state regulatory level. "Because it's an industrywide problem, it just makes sense for companies to work through trade associations," he said. "State regulators might prefer to deal with the associations as an efficient way to give a fair hearing to regulatory issues surrounding sur·round tr.v. sur·round·ed, sur·round·ing, sur·rounds 1. To extend on all sides of simultaneously; encircle. 2. To enclose or confine on all sides so as to bar escape or outside communication. n. this issue." Insurers could also tighten policy language, a step that might in many states have to run through regulators. Another potential solution, optional coverage, is "a perfectly rational approach that satisfies the need of policyholders who want to buy that additional coverage and that accommodates the need of insurers to collect more to insure Insure can mean:
States That Allow Diminished-Value Coverage
Allows Use
State of ISO Form * Case Law
Delaware Yes Delledonne vs.
State Farm (1992)
O'Brien vs.
Progressive (2001)
Georgia No State Farm Mutual
Automobile Insurance Co.
vs. Mabry (2001)
Iowa Yes Hawkeye Motors
vs. McDowell (1995)
Kansas No Venable vs. Import
Volkswagen Inc. (1974)
Boyd Motors Inc.
vs. Employers Insurance
of Wausau (1989)
Mississippi Yes Potomac Insurance Co.
vs. Wilkinson (1952)
North Dakota Yes Sullivan vs.
Pulkrabek (2000)
Ohio Yes Allstate Insurance Co.
vs. Reep (1982)
South Dakota No Stucker vs. Travelers
Indemnity Co. (1957)
Tennessee Yes Senter vs. Tennessee
Farmers Mutual (1985)
State Holding
Delaware Diminished value for flood damage
is covered. If policy language is
ambiguous, however, payment for
diminished value is required.
Holds policy does not obligate
insurer to pay for diminished
value.
Georgia Court recognizes diminished value
as an element of loss covered
under State Farm's policy
language.
Iowa Court affirmed that proper measure
of damages is the difference
between the car's market value
before the accident and its market
value after the accident.
Kansas When insurer attempts to repair or
rebuild under a "repair, restore
or replace clause," insurer is
obligated to return the damaged
property to substantially its
original condition so it is as
valuable as it was before damage
occurred.
Under Wausau's promise to "repair
or replace the damaged property
with material of like kind and
quality," the general coverage of
the policy extended not only to
the cost of repairs but also to
the diminution in value of the
repaired vehicles.
Mississippi Held that if, despite repairs,
there remains "a loss in actual
market value, estimated as of the
collision date, such deficiency is
to be added to the cost of
repairs."
North Dakota Third-party diminished value claim.
Ohio Third-party diminished value claim.
Court held that the owner of a
damaged vehicle may prove and
recover the reasonable cost of
repairs provided that the cost of
the repairs does not exceed the
diminution in market value or the
fair market value of the vehicle
before the damage was sustained.
South Dakota Diminished value applies only when
vehicle is damaged beyond repair.
Tennessee If after repair, auto is restored
to function and appearance but not
to fair market price, the insured
can recover for the difference.
* Insurance Services Office form allows exclusion of diminished-value
coverage.
Source: National Association of Independent Insurers
Total Auto, Top Writers--2001
Rank is based on 2001 direct premiums written.
($ Thousands)
2001 Direct
Premiums
Rank Group AMB # Written
1 State Farm Group 00088 $25,572,683
2 Allstate Ins Group 00008 15,200,422
3 Zurich/Farmers Group 18549 9,056,206
4 Progressive Group 00780 7,222,716
5 Nationwide Group 05987 6,743,054
6 Berkshire Hathaway 00811 6,199,297
7 USAA Group 04080 4,522,861
8 Travelers/Citigroup 18358 3,946,760
9 Liberty Mutual Ins Cos 00060 3,701,427
10 Amer International Group Inc 18540 3,262,745
11 American Family Ins Group 00124 2,722,106
12 Hartford Ins Group 00048 2,670,925
13 CNA Ins Cos 18313 2,282,674
14 Safeco Ins Cos 00078 2,156,236
15 MetLife Auto & Home Group 18552 1,893,348
16 White Mountains Ins Group 18490 1,615,122
17 Erie Ins Group 04283 1,596,884
18 Great American P&C Group 04835 1,529,492
19 Calif State Auto Group 18460 1,517,527
20 Prudential of America Group 03905 1,438,944
21 Auto-Owners Ins Group 04354 1,378,276
22 Allmerica P&C Cos 04861 1,356,175
23 GMAC Ins Group 18431 1,349,980
24 Mercury General Group 04524 1,337,963
25 Auto Club S Calif Group 18515 1,308,084
Top 25 P/C Cos. $111,581,907
Total U.S. P/C Cos. $154,222,820
%
Change in Market Share (%)
Rank Group Premiums 2001
1 State Farm Group 14.6 16.6
2 Allstate Ins Group 3.4 9.9
3 Zurich/Farmers Group 9.2 5.9
4 Progressive Group 15.1 4.7
5 Nationwide Group 10.2 4.4
6 Berkshire Hathaway 8.2 4.0
7 USAA Group 11.1 2.9
8 Travelers/Citigroup 7.3 2.6
9 Liberty Mutual Ins Cos 1.4 2.4
10 Amer International Group Inc 14.8 2.1
11 American Family Ins Group 8.2 1.8
12 Hartford Ins Group 9.3 1.7
13 CNA Ins Cos 0.7 1.5
14 Safeco Ins Cos 0.4 1.4
15 MetLife Auto & Home Group 17.2 1.2
16 White Mountains Ins Group -16.8 1.0
17 Erie Ins Group 11.8 1.0
18 Great American P&C Group -0.1 1.0
19 Calif State Auto Group 3.8 1.0
20 Prudential of America Group 10.5 0.9
21 Auto-Owners Ins Group 15.6 0.9
22 Allmerica P&C Cos 7.5 0.9
23 GMAC Ins Group 6.9 0.9
24 Mercury General Group 13.1 0.9
25 Auto Club S Calif Group 8.6 0.8
Top 25 P/C Cos. 8.9 72.4
Total U.S. P/C Cos. 9.2 100.0
Market Share (%)
Rank Group 2000 1999
1 State Farm Group 15.8 16.7
2 Allstate Ins Group 10.4 10.8
3 Zurich/Farmers Group 5.9 6.1
4 Progressive Group 4.4 4.5
5 Nationwide Group 4.3 4.1
6 Berkshire Hathaway 4.1 3.6
7 USAA Group 2.9 2.7
8 Travelers/Citigroup 2.6 2.5
9 Liberty Mutual Ins Cos 2.6 2.5
10 Amer International Group Inc 2.0 1.8
11 American Family Ins Group 1.8 1.8
12 Hartford Ins Group 1.7 1.7
13 CNA Ins Cos 1.6 1.7
14 Safeco Ins Cos 1.5 1.6
15 MetLife Auto & Home Group 1.1 1.1
16 White Mountains Ins Group 1.4 1.4
17 Erie Ins Group 1.0 1.0
18 Great American P&C Group 1.1 1.0
19 Calif State Auto Group 1.0 1.0
20 Prudential of America Group 0.9 0.9
21 Auto-Owners Ins Group 0.8 0.8
22 Allmerica P&C Cos 0.9 0.8
23 GMAC Ins Group 0.9 0.9
24 Mercury General Group 0.8 0.9
25 Auto Club S Calif Group 0.9 0.8
Top 25 P/C Cos. 72.5 72.7
Total U.S. P/C Cos. 100.0 100.0
Adjusted Loss Ratios (1)
Rank Group 2001
1 State Farm Group 84.3
2 Allstate Ins Group 64.9
3 Zurich/Farmers Group 68.4
4 Progressive Group 59.7
5 Nationwide Group 68.4
6 Berkshire Hathaway 71.5
7 USAA Group 74.0
8 Travelers/Citigroup 74.7
9 Liberty Mutual Ins Cos 78.7
10 Amer International Group Inc 75.7
11 American Family Ins Group 70.6
12 Hartford Ins Group 67.0
13 CNA Ins Cos 110.9
14 Safeco Ins Cos 68.3
15 MetLife Auto & Home Group 66.9
16 White Mountains Ins Group 80.2
17 Erie Ins Group 74.2
18 Great American P&C Group 65.4
19 Calif State Auto Group 71.6
20 Prudential of America Group 65.8
21 Auto-Owners Ins Group 74.5
22 Allmerica P&C Cos 77.5
23 GMAC Ins Group 82.2
24 Mercury General Group 61.1
25 Auto Club S Calif Group 72.1
Top 25 P/C Cos. 73.6
Total U.S. P/C Cos. 73.4
% of
Adjusted Loss Ratios Company
(1)
Rank Group 2000 1999 Premiums
1 State Farm Group 80.2 69.6 68.1
2 Allstate Ins Group 65.4 58.7 74.1
3 Zurich/Farmers Group 72.6 67.8 42.5
4 Progressive Group 69.9 62.9 97.9
5 Nationwide Group 72.7 66.7 61.6
6 Berkshire Hathaway 78.2 71.8 83.7
7 USAA Group 76.3 75.0 72.3
8 Travelers/Citigroup 72.4 66.6 33.1
9 Liberty Mutual Ins Cos 77.9 70.7 38.8
10 Amer International Group Inc 78.2 71.3 21.1
11 American Family Ins Group 70.3 68.1 65.7
12 Hartford Ins Group 67.7 66.0 34.8
13 CNA Ins Cos 76.3 73.2 18.5
14 Safeco Ins Cos 74.3 70.5 47.5
15 MetLife Auto & Home Group 67.1 63.9 74.7
16 White Mountains Ins Group 83.9 69.1 42.0
17 Erie Ins Group 67.8 62.2 62.9
18 Great American P&C Group 68.7 62.9 43.3
19 Calif State Auto Group 73.3 82.0 86.5
20 Prudential of America Group 57.2 55.7 74.1
21 Auto-Owners Ins Group 69.9 71.7 51.5
22 Allmerica P&C Cos 71.4 73.1 54.0
23 GMAC Ins Group 64.3 65.5 60.3
24 Mercury General Group 59.3 55.5 92.7
25 Auto Club S Calif Group 71.9 63.1 89.5
Top 25 P/C Cos. 73.3 66.9 54.8
Total U.S. P/C Cos. 73.1 67.7 43.6
(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
Source: A.M. Best Co. data, as of June 28, 2002. For custom data, please
call (908) 439-2200, ext. 5383.
Total Commercial Auto, Top Writers--2001
Rank is based on 2001 direct premiums written.
($ Thousands)
2001 Direct
Premiums % Change in
Rank Group AMB # Written Premiums
1 Zurich/Farmers Group 18549 $1,625,381 25.1
2 Travelers/Citigroup 18358 1,314,723 5.1
3 St Paul Cos 00080 1,103,166 41.4
4 CNA Ins Cos 18313 1,026,241 7.2
5 Progressive Group 00780 841,430 44.5
6 State Farm Group 00088 785,757 14.0
7 Liberty Mutual Ins Cos 00060 751,843 -11.9
8 Amer International Group 18540 720,315 37.5
9 Nationwide Group 05987 598,929 13.6
10 Old Republic General Group 00734 504,671 13.2
11 Auto-Owners Ins Group 04354 496,506 16.9
12 Allstate Ins Group 00008 484,651 11.6
13 Hartford Ins Group 00048 482,287 10.1
14 White Mountains Ins Group 18490 461,427 -37.9
15 Kemper Ins Cos 04427 444,315 66.1
16 Cincinnati Ins Cos 04294 416,362 51.4
17 Allianz of America 18429 392,108 61.0
18 Safeco Ins Cos 00078 368,104 -12.8
19 Winterthur Swiss Group 05658 352,804 24.1
20 HDI US Group 18492 338,575 84.3
21 Royal & SunAlliance 18371 321,489 -10.0
22 WR Berkley Group 04655 296,436 34.3
23 Fairfax Fin (US) Group 03116 294,328 11.5
24 Allmerica P&C Cos 04861 290,132 6.2
25 Great Amer P&C Group 04835 281,086 23.0
Top 25 P/C Cos $14,993,066 15.6
Total U.S. P/C Cos $23,888,343 15.3
Market Share %
Rank Group 2001 2000 1999
1 Zurich/Farmers Group 6.8 6.3 5.5
2 Travelers/Citigroup 5.5 6.0 5.8
3 St Paul Cos 4.6 3.8 3.5
4 CNA Ins Cos 4.3 4.6 5.4
5 Progressive Group 3.5 2.8 2.4
6 State Farm Group 3.3 3.3 3.6
7 Liberty Mutual Ins Cos 3.1 4.1 4.3
8 Amer International Group 3.0 2.5 3.0
9 Nationwide Group 2.5 2.5 2.5
10 Old Republic General Group 2.1 2.2 2.5
11 Auto-Owners Ins Group 2.1 2.0 1.9
12 Allstate Ins Group 2.0 2.1 2.1
13 Hartford Ins Group 2.0 2.1 2.3
14 White Mountains Ins Group 1.9 3.6 3.1
15 Kemper Ins Cos 1.9 1.3 0.9
16 Cincinnati Ins Cos 1.7 1.3 1.2
17 Allianz of America 1.6 1.2 1.3
18 Safeco Ins Cos 1.5 2.0 2.2
19 Winterthur Swiss Group 1.5 1.4 1.3
20 HDI US Group 1.4 0.9 0.7
21 Royal & SunAlliance 1.3 1.7 1.9
22 WR Berkley Group 1.2 1.1 1.3
23 Fairfax Fin (US) Group 1.2 1.3 1.6
24 Allmerica P&C Cos 1.2 1.3 1.3
25 Great Amer P&C Group 1.2 1.1 1.1
Top 25 P/C Cos 62.8 62.6 62.8
Total U.S. P/C Cos 100.0 100.0 100.0
Adjusted Loss Ratios (1)
Rank Group 2001 2000
1 Zurich/Farmers Group 73.9 76.7
2 Travelers/Citigroup 80.6 73.6
3 St Paul Cos 75.6 65.6
4 CNA Ins Cos 110.8 83.7
5 Progressive Group 59.0 60.6
6 State Farm Group 74.9 70.2
7 Liberty Mutual Ins Cos 99.5 105.2
8 Amer International Group 58.9 97.7
9 Nationwide Group 70.0 75.8
10 Old Republic General Group 68.0 80.1
11 Auto-Owners Ins Group 71.2 72.0
12 Allstate Ins Group 70.8 68.2
13 Hartford Ins Group 55.8 71.5
14 White Mountains Ins Group 90.1 86.3
15 Kemper Ins Cos 74.0 74.3
16 Cincinnati Ins Cos 73.0 109.5
17 Allianz of America 76.3 94.2
18 Safeco Ins Cos 65.3 76.5
19 Winterthur Swiss Group 66.5 70.2
20 HDI US Group 106.4 83.7
21 Royal & SunAlliance 91.0 77.6
22 WR Berkley Group 58.1 76.9
23 Fairfax Fin (US) Group 103.7 98.2
24 Allmerica P&C Cos 80.5 85.0
25 Great Amer P&C Group 55.6 66.3
Top 25 P/C Cos 77.4 79.4
Total U.S. P/C Cos 75.4 78.2
% of
Total
Adjusted Company
Loss
Ratios (1)
Rank Group 1999 Premiums
1 Zurich/Farmers Group 81.2 7.6
2 Travelers/Citigroup 69.7 11.0
3 St Paul Cos 71.5 17.2
4 CNA Ins Cos 82.6 8.3
5 Progressive Group 60.9 11.4
6 State Farm Group 61.5 2.1
7 Liberty Mutual Ins Cos 96.5 7.9
8 Amer International Group 103.1 4.7
9 Nationwide Group 78.0 5.5
10 Old Republic General Group 95.9 30.0
11 Auto-Owners Ins Group 71.6 18.6
12 Allstate Ins Group 65.4 2.4
13 Hartford Ins Group 66.1 6.3
14 White Mountains Ins Group 69.7 12.0
15 Kemper Ins Cos 66.4 9.4
16 Cincinnati Ins Cos 77.3 15.3
17 Allianz of America 72.2 7.5
18 Safeco Ins Cos 70.0 8.1
19 Winterthur Swiss Group 68.4 20.1
20 HDI US Group 116.4 16.1
21 Royal & SunAlliance 79.0 6.9
22 WR Berkley Group 88.7 17.6
23 Fairfax Fin (US) Group 82.8 12.7
24 Allmerica P&C Cos 76.4 11.5
25 Great Amer P&C Group 64.5 8.0
Top 25 P/C Cos 77.5 7.3
Total U.S. P/C Cos 76.3 6.8
(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
Source: A.M. Best Co. data, as of June 28, 2002. For custom data, please
call (908) 439-2200, ext. 5383.
Private Passenger Auto, Top Writers--2001
Rank is based on 2001 direct premiums written.
($ Thousands)
2001 Direct %
Premiums Change in
Rank Group AMB # Written Premiums
1 State Farm Group 00088 $24,786,926 14.7
2 Allstate Ins Group 00008 14,715,771 3.2
3 Zurich/Farmers Group 18549 7,430,825 6.2
4 Progressive Group 00780 6,381,286 12.1
5 Nationwide Group 05987 6,144,124 9.9
6 Berkshire Hathaway 00811 6,027,309 7.1
7 USAA Group 04080 4,522,787 11.1
8 Liberty Mutual Ins Cos 00060 2,949,584 5.5
9 Amer Family Ins Group 00124 2,682,461 8.2
10 Travelers/Citigroup 18358 2,632,037 8.5
11 Amer International Group 18540 2,542,430 9.6
12 Hartford Ins Group 00048 2,188,638 9.1
13 MetLife Auto & Home Group 18552 1,893,348 17.2
14 Safeco Ins Cos 00078 1,788,132 3.6
15 Calif State Auto Group 18460 1,517,527 3.8
16 Prudential of Amer Group 03905 1,429,419 10.6
17 Erie Ins Group 04283 1,385,884 10.4
18 Auto Club S Calif Group 18515 1,308,084 8.6
19 Mercury General Group 04524 1,282,847 12.9
20 CNA Ins Cos 18313 1,256,433 -4.1
21 Great Amer P&C Group 04835 1,248,406 -4.2
22 White Mountains Inc Group 18490 1,153,695 -3.6
23 GMAC Ins Group 18431 1,109,428 3.1
24 Allmerica P&C Cos 04861 1,066,043 7.9
25 Auto Club Group 00312 1,030,678 7.1
Top 25 P/C Cos. $100,474,103 8.7
Total U.S. P/C Cos. $130,334,477 8.1
Market Share (%)
Rank Group 2001 2000
1 State Farm Group 19.0 17.9
2 Allstate Ins Group 11.3 11.8
3 Zurich/Farmers Group 5.7 5.8
4 Progressive Group 4.9 4.7
5 Nationwide Group 4.7 4.6
6 Berkshire Hathaway 4.6 4.7
7 USAA Group 3.5 3.4
8 Liberty Mutual Ins Cos 2.3 2.3
9 Amer Family Ins Group 2.1 2.1
10 Travelers/Citigroup 2.0 2.0
11 Amer International Group 2.0 1.9
12 Hartford Ins Group 1.7 1.7
13 MetLife Auto & Home Group 1.5 1.3
14 Safeco Ins Cos 1.4 1.4
15 Calif State Auto Group 1.2 1.2
16 Prudential of Amer Group 1.1 1.1
17 Erie Ins Group 1.1 1.0
18 Auto Club S Calif Group 1.0 1.0
19 Mercury General Group 1.0 0.9
20 CNA Ins Cos 1.0 1.1
21 Great Amer P&C Group 1.0 1.1
22 White Mountains Inc Group 0.9 1.0
23 GMAC Ins Group 0.9 0.9
24 Allmerica P&C Cos 0.8 0.8
25 Auto Club Group 0.8 0.8
Top 25 P/C Cos. 77.1 76.7
Total U.S. P/C Cos. 100.0 100.0
Market
Share (%)
Rank Group 1999
1 State Farm Group 18.9
2 Allstate Ins Group 12.2
3 Zurich/Farmers Group 6.2
4 Progressive Group 4.8
5 Nationwide Group 4.4
6 Berkshire Hathaway 4.1
7 USAA Group 3.1
8 Liberty Mutual Ins Cos 2.2
9 Amer Family Ins Group 2.0
10 Travelers/Citigroup 2.0
11 Amer International Group 1.7
12 Hartford Ins Group 1.6
13 MetLife Auto & Home Group 1.2
14 Safeco Ins Cos 1.5
15 Calif State Auto Group 1.2
16 Prudential of Amer Group 1.1
17 Erie Ins Group 1.0
18 Auto Club S Calif Group 1.0
19 Mercury General Group 1.0
20 CNA Ins Cos 1.1
21 Great Amer P&C Group 1.0
22 White Mountains Inc Group 1.1
23 GMAC Ins Group 0.9
24 Allmerica P&C Cos 0.8
25 Auto Club Group 0.8
Top 25 P/C Cos. 76.8
Total U.S. P/C Cos. 100.0
Adjusted Loss Ratios (1)
Rank Group 2001
1 State Farm Group 84.6
2 Allstate Ins Group 64.7
3 Zurich/Farmers Group 67.2
4 Progressive Group 59.7
5 Nationwide Group 68.3
6 Berkshire Hathaway 72.2
7 USAA Group 74.0
8 Liberty Mutual Ins Cos 73.4
9 Amer Family Ins Group 70.7
10 Travelers/Citigroup 71.6
11 Amer International Group 80.0
12 Hartford Ins Group 69.5
13 MetLife Auto & Home Group 66.9
14 Safeco Ins Cos 68.9
15 Calif State Auto Group 71.6
16 Prudential of Amer Group 65.6
17 Erie Ins Group 74.1
18 Auto Club S Calif Group 72.1
19 Mercury General Group 61.1
20 CNA Ins Cos 111.0
21 Great Amer P&C Group 67.3
22 White Mountains Inc Group 75.5
23 GMAC Ins Group 83.4
24 Allmerica P&C Cos 76.7
25 Auto Club Group 85.0
Top 25 P/C Cos. 73.4
Total U.S. P/C Cos. 73.0
% of
Total
Adjusted Loss Ratios Company
(1)
Rank Group 2000 1999 Premiums
1 State Farm Group 80.5 69.8 66.1
2 Allstate Ins Group 65.4 58.5 71.7
3 Zurich/Farmers Group 72.0 65.9 34.9
4 Progressive Group 70.7 63.0 86.5
5 Nationwide Group 72.4 65.7 56.1
6 Berkshire Hathaway 78.8 72.0 81.4
7 USAA Group 76.3 75.0 72.3
8 Liberty Mutual Ins Cos 69.5 62.3 30.9
9 Amer Family Ins Group 70.4 68.4 64.8
10 Travelers/Citigroup 71.8 65.1 22.1
11 Amer International Group 73.9 62.5 16.5
12 Hartford Ins Group 66.8 65.9 28.6
13 MetLife Auto & Home Group 67.2 63.9 74.7
14 Safeco Ins Cos 73.8 70.6 39.4
15 Calif State Auto Group 73.3 82.0 86.5
16 Prudential of Amer Group 57.2 55.3 73.6
17 Erie Ins Group 66.8 62.4 54.6
18 Auto Club S Calif Group 71.9 63.1 89.5
19 Mercury General Group 60.1 55.6 88.9
20 CNA Ins Cos 70.2 65.8 10.2
21 Great Amer P&C Group 69.1 62.6 35.3
22 White Mountains Inc Group 82.5 68.8 30.0
23 GMAC Ins Group 63.9 66.7 49.6
24 Allmerica P&C Cos 67.6 72.3 42.4
25 Auto Club Group 88.0 77.7 85.9
Top 25 P/C Cos. 73.0 66.1 49.7
Total U.S. P/C Cos. 72.3 66.3 36.9
(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
Source: A.M. Best Co. data, as of June 28, 2002. For custom data, please
call (908) 439-2200, ext. 5383.
Auto Liability, Top Writers--2001
Rank is based on 2001 direct premiums written.
($ Thousands)
2001 Direct %
Premiums Change in
Rank Group AMB # Written Premiums
1 State Farm Group 00088 $14,383,255 14.0
2 Allstate Ins Group 00008 8,594,427 4.0
3 Zurich/Farmers Group 18549 5,382,756 9.3
4 Progressive Group 00780 4,446,401 17.2
5 Nationwide Group 05987 4,223,083 10.0
6 Berkshire Hathaway 00811 3,805,116 9.0
7 Travelers/Citigroup 18358 2,554,986 7.8
8 USAA Group 04080 2,416,666 11.3
9 Liberty Mutual Ins Cos 00060 2,298,091 -2.3
10 Amer International Group 18540 2,199,193 16.7
11 Hartford Ins Group 00048 1,687,191 8.7
12 CNA Ins Cos 18313 1,564,633 2.1
13 Amer Family Ins Group 00124 1,442,070 6.7
14 Safeco Ins Cos 00078 1,271,398 0.0
15 MetLife Auto & Home Group 18552 1,081,999 15.8
16 White Mountains Ins Group 18490 1,008,191 -18.8
17 St Paul Cos 00080 981,543 16.0
18 Great Amer P&C Group 04835 948,961 -3.4
19 Erie Ins Group 04283 936,557 11.7
20 Prudential of Amer Group 03905 898,316 10.0
21 Calif State Auto Group 18460 810,037 0.3
22 Mercury General Group 04524 789,137 13.3
23 Allmerica P & C Cos 04861 767,357 7.4
24 Auto-Owners Ins Group 04354 754,896 14.0
25 Royal & SunAlliance 18371 731,020 -5.0
Top 25 P/C Cos $65,977,281 8.6
Total U.S. P/C Cos $92,067,492 9.0
Market Share (%)
Rank Group 2001 2000
1 State Farm Group 15.6 14.9
2 Allstate Ins Group 9.3 9.8
3 Zurich/Farmers Group 5.8 5.8
4 Progressive Group 4.8 4.5
5 Nationwide Group 4.6 4.5
6 Berkshire Hathaway 4.1 4.1
7 Travelers/Citigroup 2.8 2.8
8 USAA Group 2.6 2.6
9 Liberty Mutual Ins Cos 2.5 2.8
10 Amer International Group 2.4 2.2
11 Hartford Ins Group 1.8 1.8
12 CNA Ins Cos 1.7 1.8
13 Amer Family Ins Group 1.6 1.6
14 Safeco Ins Cos 1.4 1.5
15 MetLife Auto & Home Group 1.2 1.1
16 White Mountains Ins Group 1.1 1.5
17 St Paul Cos 1.1 1.0
18 Great Amer P&C Group 1.0 1.2
19 Erie Ins Group 1.0 1.0
20 Prudential of Amer Group 1.0 1.0
21 Calif State Auto Group 0.9 1.0
22 Mercury General Group 0.9 0.8
23 Allmerica P & C Cos 0.8 0.8
24 Auto-Owners Ins Group 0.8 0.8
25 Royal & SunAlliance 0.8 0.9
Top 25 P/C Cos 71.7 71.9
Total U.S. P/C Cos 100.0 100.0
Market
Share (%)
Rank Group 1999
1 State Farm Group 15.9
2 Allstate Ins Group 10.3
3 Zurich/Farmers Group 5.8
4 Progressive Group 4.6
5 Nationwide Group 4.3
6 Berkshire Hathaway 3.6
7 Travelers/Citigroup 2.7
8 USAA Group 2.4
9 Liberty Mutual Ins Cos 2.7
10 Amer International Group 2.1
11 Hartford Ins Group 1.8
12 CNA Ins Cos 1.9
13 Amer Family Ins Group 1.6
14 Safeco Ins Cos 1.6
15 MetLife Auto & Home Group 1.0
16 White Mountains Ins Group 1.5
17 St Paul Cos 0.9
18 Great Amer P&C Group 1.1
19 Erie Ins Group 1.0
20 Prudential of Amer Group 1.0
21 Calif State Auto Group 1.0
22 Mercury General Group 0.9
23 Allmerica P & C Cos 0.8
24 Auto-Owners Ins Group 0.7
25 Royal & SunAlliance 1.0
Top 25 P/C Cos 72.2
Total U.S. P/C Cos 100.0
Adjusted Loss Ratios (1)
Rank Group 2001
1 State Farm Group 89.4
2 Allstate Ins Group 69.4
3 Zurich/Farmers Group 66.3
4 Progressive Group 60.6
5 Nationwide Group 69.0
6 Berkshire Hathaway 75.3
7 Travelers/Citigroup 81.9
8 USAA Group 79.5
9 Liberty Mutual Ins Cos 87.7
10 Amer International Group 78.3
11 Hartford Ins Group 68.1
12 CNA Ins Cos 136.6
13 Amer Family Ins Group 70.9
14 Safeco Ins Cos 72.1
15 MetLife Auto & Home Group 69.3
16 White Mountains Ins Group 88.6
17 St Paul Cos 81.1
18 Great Amer P&C Group 65.8
19 Erie Ins Group 81.4
20 Prudential of Amer Group 67.7
21 Calif State Auto Group 71.7
22 Mercury General Group 60.4
23 Allmerica P & C Cos 86.0
24 Auto-Owners Ins Group 77.9
25 Royal & SunAlliance 82.8
Top 25 P/C Cos 77.6
Total U.S. P/C Cos 77.4
% of
Adjusted Loss Ratios Company
(1)
Rank Group 2000 1999 Premiums
1 State Farm Group 81.3 69.1 38.3
2 Allstate Ins Group 71.4 61.1 41.9
3 Zurich/Farmers Group 74.5 70.6 25.3
4 Progressive Group 74.1 64.6 60.2
5 Nationwide Group 72.1 68.1 38.6
6 Berkshire Hathaway 83.4 74.5 51.4
7 Travelers/Citigroup 77.1 68.1 21.4
8 USAA Group 85.2 78.4 38.6
9 Liberty Mutual Ins Cos 84.4 73.5 24.1
10 Amer International Group 81.6 71.5 14.2
11 Hartford Ins Group 68.3 66.6 22.0
12 CNA Ins Cos 75.3 80.7 12.7
13 Amer Family Ins Group 68.3 70.4 34.8
14 Safeco Ins Cos 79.1 74.6 28.0
15 MetLife Auto & Home Group 67.9 65.9 42.7
16 White Mountains Ins Group 93.9 71.7 26.2
17 St Paul Cos 70.8 57.8 15.3
18 Great Amer P&C Group 70.1 64.1 26.8
19 Erie Ins Group 71.5 63.6 36.9
20 Prudential of Amer Group 56.6 57.6 46.3
21 Calif State Auto Group 70.2 79.8 46.2
22 Mercury General Group 59.4 56.2 54.7
23 Allmerica P & C Cos 76.3 79.0 30.5
24 Auto-Owners Ins Group 67.4 72.9 28.2
25 Royal & SunAlliance 73.3 68.6 15.6
Top 25 P/C Cos 76.3 68.5 31.3
Total U.S. P/C Cos 76.3 69.8 26.0
(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
Source: A.M. Best Co. data, as of June 28, 2002. For custom data, please
call (908) 439-2200, ext. 5383.
Auto Physical Damage, Top Writers--2001
Rank is based on 2001 direct premiums written.
($ Thousands)
2001 Direct %
Premiums Change in
Rank Group ABM # Written Premiums
1 State Farm Group 00088 $11,189,428 15.5
2 Allstate Ins Group 00008 6,605,995 2.6
3 Zurich/Farmers Group 18549 3,673,449 9.0
4 Progressive Group 00780 2,776,315 12.0
5 Nationwide Group 05987 2,519,970 10.5
6 Berkshire Hathaway 00811 2,394,182 6.9
7 USAA Group 04080 2,106,195 10.8
8 Liberty Mutual Ins Cos 00060 1,403,336 8.0
9 Travelers/Citigroup 18358 1,391,774 6.5
10 Amer Family Ins Group 00124 1,280,036 10.0
11 Amer International Group 18540 1,063,552 11.0
12 Hartford Ins Group 00048 983,734 10.3
13 Safeco Ins Cos 00078 884,838 0.9
14 MetLife Auto & Home Group 18552 811,349 19.2
15 CNA Ins Cos 18313 718,041 -2.2
16 Calif State Auto Group 18460 707,490 8.1
17 Erie Ins Group 04283 660,327 12.0
18 GMAC Ins Group 18431 624,444 7.7
19 Auto-Owners Ins Group 04354 623,380 17.6
20 White Mountains Ins Group 18490 606,930 -13.1
21 Auto Club Group 00312 598,176 3.9
22 Auto Club S Calif Group 18515 593,203 12.0
23 Allmerica P&C Cos 04861 588,818 7.7
24 Great Amer P&C Group 04835 580,531 5.7
25 Mercury General Group 04524 548,826 12.9
Top 25 P/C Cos. $45,934,319 9.2
Total U.S. P/C Cos. $62,155,328 9.4
Market Share (%)
Rank Group 2001 2000
1 State Farm Group 18.0 17.0
2 Allstate Ins Group 10.6 11.3
3 Zurich/Farmers Group 5.9 5.9
4 Progressive Group 4.5 4.4
5 Nationwide Group 4.1 4.0
6 Berkshire Hathaway 3.9 3.9
7 USAA Group 3.4 3.3
8 Liberty Mutual Ins Cos 2.3 2.3
9 Travelers/Citigroup 2.2 2.3
10 Amer Family Ins Group 2.1 2.0
11 Amer International Group 1.7 1.7
12 Hartford Ins Group 1.6 1.6
13 Safeco Ins Cos 1.4 1.5
14 MetLife Auto & Home Group 1.3 1.2
15 CNA Ins Cos 1.2 1.3
16 Calif State Auto Group 1.1 1.2
17 Erie Ins Group 1.1 1.0
18 GMAC Ins Group 1.0 1.0
19 Auto-Owners Ins Group 1.0 0.9
20 White Mountains Ins Group 1.0 1.2
21 Auto Club Group 1.0 1.0
22 Auto Club S Calif Group 1.0 0.9
23 Allmerica P&C Cos 0.9 1.0
24 Great Amer P&C Group 0.9 1.0
25 Mercury General Group 0.9 0.9
Top 25 P/C Cos. 73.9 74.0
Total U.S. P/C Cos. 100.0 100.0
Market Adjusted Loss Ratio (1)
Share (%)
Rank Group 1999 2001
1 State Farm Group 18.0 77.8
2 Allstate Ins Group 11.6 59.1
3 Zurich/Farmers Group 6.5 71.4
4 Progressive Group 4.3 58.2
5 Nationwide Group 3.9 67.4
6 Berkshire Hathaway 3.5 65.6
7 USAA Group 3.1 67.7
8 Liberty Mutual Ins Cos 2.2 63.7
9 Travelers/Citigroup 2.2 61.7
10 Amer Family Ins Group 2.0 70.2
11 Amer International Group 1.5 70.7
12 Hartford Ins Group 1.5 65.2
13 Safeco Ins Cos 1.6 62.8
14 MetLife Auto & Home Group 1.1 63.6
15 CNA Ins Cos 1.4 58.2
16 Calif State Auto Group 1.1 71.5
17 Erie Ins Group 1.0 63.9
18 GMAC Ins Group 1.0 65.8
19 Auto-Owners Ins Group 0.8 70.3
20 White Mountains Ins Group 1.2 65.7
21 Auto Club Group 1.1 70.7
22 Auto Club S Calif Group 0.9 75.1
23 Allmerica P&C Cos 0.9 66.5
24 Great Amer P&C Group 0.8 64.8
25 Mercury General Group 0.9 62.1
Top 25 P/C Cos. 74.2 67.9
Total U.S. P/C Cos. 100.0 67.4
% of
Total
Adjusted Loss Ratio Company
(1)
Rank Group 2000 1999 Premiums
1 State Farm Group 78.8 70.3 29.8
2 Allstate Ins Group 57.7 55.3 32.2
3 Zurich/Farmers Group 70.0 63.9 17.2
4 Progressive Group 63.4 60.0 37.6
5 Nationwide Group 73.7 64.4 23.0
6 Berkshire Hathaway 70.2 67.5 32.3
7 USAA Group 66.0 70.9 33.7
8 Liberty Mutual Ins Cos 65.9 65.2 14.7
9 Travelers/Citigroup 63.8 63.7 11.7
10 Amer Family Ins Group 72.6 65.3 30.9
11 Amer International Group 71.4 70.9 6.9
12 Hartford Ins Group 66.6 64.8 12.8
13 Safeco Ins Cos 67.2 64.3 19.5
14 MetLife Auto & Home Group 65.9 61.1 32.0
15 CNA Ins Cos 78.7 56.5 5.8
16 Calif State Auto Group 77.4 85.0 40.3
17 Erie Ins Group 62.3 59.9 26.0
18 GMAC Ins Group 61.8 56.6 27.9
19 Auto-Owners Ins Group 73.1 70.0 23.3
20 White Mountains Ins Group 66.0 64.2 15.8
21 Auto Club Group 69.5 59.7 49.8
22 Auto Club S Calif Group 69.7 65.7 40.6
23 Allmerica P&C Cos 65.1 65.5 23.4
24 Great Amer P&C Group 66.2 60.4 16.4
25 Mercury General Group 59.1 54.4 38.0
Top 25 P/C Cos. 69.1 64.4 22.7
Total U.S. P/C Cos. 68.4 64.4 17.6
(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
Source: A.M. Best Co, data, as of June 28, 2002. for custom data, please
call (908) 439-2200, ext. 5383.
Total Auto, Top Writers by State--2001
Rank based on 2001 direct premiums written.
($ Thousands)
Direct % %
No. of Premiums U.S Premium
State Rank Cos. Written Total Change
Ala. 25 501 $2,252,483 1.5 7.1
Alaska 47 300 332,024 0.2 10.7
Ariz. 18 544 2,922,717 1.9 11.1
Ark. 31 481 1,382,501 0.9 9.1
Calif. 1 571 17,119,558 11.1 10.2
Colo. 19 500 2,896,993 1.9 11.5
Conn. 24 417 2,385,279 1.5 8.6
Del. 44 401 551,592 0.4 7.1
D.C. 51 337 235,243 0.2 3.8
Fla. 4 605 9,923,843 6.4 13.2
Ga. 10 588 4,753,906 3.1 9.1
Hawaii 43 253 566,769 0.4 6.7
Idaho 42 429 603,659 0.4 5.6
Ill. 7 640 5,889,990 3.8 6.3
Ind. 16 609 3,052,164 2.0 7.8
Iowa 32 514 1,378,434 0.9 7.0
Kan. 30 487 1,428,058 0.9 7.6
Ky. 27 514 2,049,683 1.3 6.3
La. 22 505 2,590,483 1.7 8.3
Maine 41 316 619,379 0.4 8.6
Md. 15 513 3,248,602 2.1 8.6
Mass. 11 322 4,456,987 2.9 3.9
Mich. 8 473 5,726,344 3.7 8.8
Minn. 17 497 2,961,406 1.9 9.1
Miss. 33 504 1,332,344 0.9 11.9
Mo. 20 564 2,874,368 1.9 7.3
Mont. 45 406 488,241 0.3 11.7
Neb. 37 460 902,463 0.6 7.8
Nev. 34 455 1,295,004 0.8 11.8
N.H. 39 313 698,729 0.5 8.7
N.J. 6 417 6,166,838 4.0 6.9
N.M. 38 424 897,494 0.6 5.8
N.Y. 3 513 10,780,147 7.0 11.3
N.C. 12 475 4,147,790 2.7 7.3
N.D. 48 411 327,894 0.2 7.6
Ohio 9 624 5,542,044 3.6 8.5
Okla. 29 502 1,740,015 1.1 7.7
Ore. 28 504 1,833,826 1.2 6.8
Pa. 5 585 6,818,344 4.4 8.8
R.I. 40 363 653,431 0.4 9.0
S.C. 26 472 2,159,043 1.4 9.2
S.D. 46 431 375,151 0.2 7.5
Tenn. 21 582 2,707,933 1.8 7.1
Texas 2 610 11,021,505 7.1 12.6
Utah 35 455 1,074,870 0.7 9.7
Vt. 49 314 316,397 0.2 9.2
Va. 13 535 3,702,181 2.4 9.8
Wash. 14 491 3,305,791 2.1 8.6
W.Va. 36 410 998,872 0.6 6.4
Wis. 23 566 2,461,335 1.6 7.5
Wyo. 50 362 272,671 0.2 11.1
U.S. Total 1,540 $154,222,820 100.0 9.2
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 65.3 2.3 35.5 64.5
Alaska 76.7 4.3 25.9 74.1
Ariz. 70.2 3.1 30.4 69.6
Ark. 74.4 1.7 30.5 69.5
Calif. 70.1 4.0 38.8 61.2
Colo. 77.9 2.8 29.0 71.0
Conn. 67.0 3.4 49.5 50.5
Del. 74.2 3.8 35.9 64.1
D.C. 60.9 2.5 27.2 72.8
Fla. 78.8 3.8 36.4 63.6
Ga. 71.4 2.9 40.0 60.0
Hawaii 53.4 2.3 51.1 48.9
Idaho 65.9 2.4 35.6 64.4
Ill. 71.2 3.4 31.8 68.2
Ind. 67.3 3.1 44.1 55.9
Iowa 76.0 2.0 46.9 53.1
Kan. 69.7 1.6 29.1 70.9
Ky. 74.4 2.7 41.5 58.5
La. 80.7 6.5 34.2 65.8
Maine 66.2 2.1 56.6 43.4
Md. 73.6 2.3 29.9 70.1
Mass. 70.2 2.4 79.4 20.6
Mich. 92.4 2.3 41.0 59.0
Minn. 71.0 2.8 38.0 62.0
Miss. 72.3 2.7 35.4 64.6
Mo. 78.5 1.9 32.3 67.7
Mont. 71.9 2.0 40.7 59.3
Neb. 86.3 1.9 38.6 61.4
Nev. 66.2 2.9 31.3 68.7
N.H. 64.4 1.6 46.9 53.1
N.J. 74.6 4.8 41.7 58.3
N.M. 62.8 2.0 30.9 69.1
N.Y. 76.7 7.4 46.7 53.3
N.C. 67.4 2.0 37.5 62.5
N.D. 83.3 1.6 50.9 49.1
Ohio 73.7 2.8 53.9 46.1
Okla. 70.1 2.0 32.7 67.3
Ore. 66.6 2.3 37.1 62.9
Pa. 73.0 3.3 48.5 51.5
R.I. 70.5 2.9 44.5 55.5
S.C. 69.0 2.3 29.4 70.6
S.D. 68.0 2.1 51.5 48.5
Tenn. 67.6 2.4 34.5 65.5
Texas 78.7 3.0 32.6 67.4
Utah 86.8 2.4 30.7 69.3
Vt. 63.0 1.9 55.0 45.0
Va. 65.2 1.7 31.6 68.4
Wash. 68.4 2.7 45.2 54.8
W.Va. 74.2 3.2 32.2 67.8
Wis. 69.4 2.9 46.5 53.5
Wyo. 69.9 2.4 35.5 64.5
U.S. Total 73.4 3.3 40.0 60.0
% Market
State Leading Writer Share
Ala. State Farm Group 21.0
Alaska State Farm Group 24.1
Ariz. State Farm Group 16.5
Ark. State Farm Group 21.2
Calif. State Farm Group 11.6
Colo. State Farm Group 21.1
Conn. Allstate Ins Group 11.0
Del. Nationwide Group 20.6
D.C. Berkshire Hathaway 26.9
Fla. State Farm Group 20.5
Ga. State Farm Group 22.2
Hawaii State Farm Group 15.5
Idaho State Farm Group 14.8
Ill. State Farm Group 27.2
Ind. State Farm Group 19.4
Iowa State Farm Group 16.7
Kan. State Farm Group 18.9
Ky. Ky Farm Bureau Group 16.9
La. State Farm Group 31.7
Maine White Mountains Ins Group 12.0
Md. State Farm Group 16.9
Mass. Commerce Group Inc 20.6
Mich. Auto Club Group 17.3
Minn. State Farm Group 20.0
Miss. State Farm Group 23.1
Mo. State Farm Group 20.3
Mont. State Farm Group 19.7
Neb. State Farm Group 21.0
Nev. State Farm Group 14.8
N.H. Liberty Mutual Ins Cos 11.5
N.J. State Farm Group 13.7
N.M. State Farm Group 20.5
N.Y. Allstate Ins Group 15.0
N.C. Nationwide Group 17.5
N.D. State Farm Group 12.7
Ohio State Farm Group 16.6
Okla. State Farm Group 18.9
Ore. State Farm Group 18.7
Pa. State Farm Group 16.1
R.I. MetLife Auto & Home 9.9
S.C. State Farm Group 26.2
S.D. State Farm Group 15.2
Tenn. State Farm Group 20.9
Texas State Farm Group 20.3
Utah State Farm Group 17.8
Vt. Allstate Ins Group 10.7
Va. State Farm Group 15.6
Wash. State Farm Group 13.7
W.Va. State Farm Group 28.5
Wis. Amer Family Ins Group 21.2
Wyo. State Farm Group 22.1
U.S. Total State Farm Group 16.6
% Market
State Second Leading Share
Ala. Alfa Ins Group 15.0
Alaska Allstate Ins Group 21.3
Ariz. Zurich/Farmers Group 14.7
Ark. South Farm Bureau Group 14.7
Calif. Zurich/Farmers Group 11.4
Colo. Zurich/Farmers Group 14.9
Conn. Travelers/Citigroup 7.3
Del. State Farm Group 18.7
D.C. State Farm Group 19.7
Fla. Allstate Ins Group 14.2
Ga. Allstate Ins Group 10.0
Hawaii Berkshire Hathaway 14.5
Idaho Zurich/Farmers Group 13.8
Ill. Allstate Ins Group 9.6
Ind. United Farm Bureau of Ind Group 8.1
Iowa Nationwide Group 9.8
Kan. Zurich/Farmers Group 12.5
Ky. State Farm Group 16.7
La. Allstate Ins Group 12.9
Maine State Farm Group 10.4
Md. Berkshire Hathaway 13.6
Mass. Arbella Ins Group 11.7
Mich. State Farm Group 15.6
Minn. Amer Family Ins Group 11.3
Miss. South Farm Bureau Group 12.3
Mo. Amer Family Ins Group 14.7
Mont. Zurich/Farmers Group 13.3
Neb. Amer Family Ins Group 8.4
Nev. Zurich/Farmers Group 14.7
N.H. State Farm Group 10.6
N.J. NJ Manufacturers Group 10.7
N.M. Zurich/Farmers Group 15.5
N.Y. State Farm Group 11.0
N.C. State Farm Group 12.5
N.D. Amer Family Ins Group 10.0
Ohio Nationwide Group 10.5
Okla. Zurich/Farmers Group 18.6
Ore. Zurich/Farmers Group 16.2
Pa. Erie Ins Group 12.7
R.I. Allstate Ins Group 9.2
S.C. Allstate Ins Group 13.5
S.D. Amer Family Ins Group 11.2
Tenn. Tenn Farmers Cos 14.9
Texas Allstate Ins Group 14.7
Utah Zurich/Farmers Group 16.1
Vt. Progressive Group 8.1
Va. Nationwide Group 11.2
Wash. Zurich/Farmers Group 13.6
W.Va. Nationwide Group 18.8
Wis. State Farm Group 10.9
Wyo. Zurich/Farmers Group 12.8
U.S. Total Allstate Ins Group 9.9
(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, call (908) 439-2200, Ext 5383.
Total Commercial Auto, Top Writers by State--2001
Rank based on 2001 direct premiums written.
($ Thousands)
Direct %
No. of Premiums % U.S. Premium
State Rank Cos. Written Total Change
Ala. 22 393 $386,255 1.6 14.5
Alaska 50 248 47,355 0.2 6.7
Ariz. 24 401 367,701 1.5 19.9
Ark. 32 377 244,468 1.0 18.1
Calif. 1 439 2,341,217 9.8 16.7
Colo. 23 391 383,833 1.6 11.7
Conn. 25 342 351,683 1.5 22.4
Del. 43 323 95,490 0.4 19.7
D.C. 51 269 28,713 0.1 -8.6
Fla. 4 447 1,442,727 6.0 18.5
Ga. 10 444 708,976 3.0 15.5
Hawaii 44 214 89,658 0.4 18.2
Idaho 42 340 109,291 0.5 -5.7
Ill. 7 486 1,029,315 4.3 11.2
Ind. 13 459 548,607 2.3 14.1
Iowa 29 393 291,217 1.2 13.6
Kan. 33 372 238,196 1.0 11.4
Ky. 26 402 321,178 1.3 10.5
La. 19 394 435,909 1.8 16.8
Maine 39 258 116,405 0.5 21.2
Md. 20 404 428,718 1.8 16.2
Mass. 11 285 706,512 3.0 24.1
Mich. 9 406 792,597 3.3 17.7
Minn. 18 394 459,381 1.9 14.1
Miss. 31 385 249,665 1.0 12.1
Mo. 16 427 484,174 2.0 17.0
Mont. 41 320 110,545 0.5 10.9
Neb. 34 347 178,937 0.7 6.8
Nev. 36 350 163,778 0.7 19.2
N.H. 40 265 112,863 0.5 18.5
N.J. 6 351 1,031,684 4.3 14.4
N.M. 38 333 129,801 0.5 5.9
N.Y. 2 413 1,761,833 7.4 16.9
N.C. 12 400 679,456 2.8 9.7
N.D. 47 311 70,636 0.3 11.7
Ohio 8 466 865,178 3.6 12.6
Okla. 28 402 294,243 1.2 16.1
Ore. 30 389 269,167 1.1 6.6
Pa. 5 456 1,086,208 4.5 18.1
R.I. 45 294 86,232 0.4 19.3
S.C. 27 376 317,459 1.3 10.3
S.D. 46 326 80,467 0.3 1.8
Tenn. 15 450 497,064 2.1 10.3
Texas 3 514 1,662,777 7.0 20.7
Utah 35 350 171.686 0.7 11.3
Vt. 48 262 56,432 0.2 24.8
Va. 14 414 505,753 2.1 15.9
Wash. 21 380 410,623 1.7 10.9
W.Va. 37 326 133,416 0.6 2.8
Wis. 17 435 459,435 1.9 13.6
Wyo. 49 291 53,424 0.2 7.0
U.S. Total 1162 $23,888,343 100.0 15.3
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 71.2 5.9 72.5 27.5
Alaska 50.1 6.2 58.2 41.8
Ariz. 72.6 11.6 68.7 31.3
Ark. 85.1 4.2 70.7 29.3
Calif. 67.7 5.4 71.9 28.1
Colo. 70.2 3.7 67.4 32.6
Conn. 75.1 5.3 77.2 22.8
Del. 78.6 5.4 75.2 24.8
D.C. 26.4 2.9 84.2 15.8
Fla. 75.3 5.5 70.8 29.2
Ga. 76.9 4.4 70.6 29.4
Hawaii 46.1 4.8 92.5 7.5
Idaho 66.4 3.6 74.0 26.0
Ill. 75.8 5.3 75.5 24.5
Ind. 72.0 4.1 74.5 25.5
Iowa 76.4 4.0 76.1 23.9
Kan. 78.5 4.1 67.5 32.5
Ky. 75.0 5.0 73.6 26.4
La. 91.8 11.3 74.5 25.5
Maine 64.8 3.0 75.7 24.3
Md. 70.7 3.8 71.2 28.8
Mass. 68.9 3.6 92.5 7.5
Mich. 71.0 2.8 78.6 21.4
Minn. 66.8 3.9 74.4 25.6
Miss. 85.4 5.8 70.8 29.2
Mo. 74.3 4.0 62.2 37.8
Mont. 75.3 5.0 75.9 24.1
Neb. 85.3 3.3 75.9 24.1
Nev. 81.9 8.6 67.9 32.1
N.H. 62.3 2.5 72.5 27.5
N.J. 80.4 6.4 76.5 23.5
N.M. 58.8 4.1 68.9 31.1
N.Y. 89.1 11.3 80.7 19.3
N.C. 69.1 5.6 71.2 28.8
N.D. 76.8 1.5 78.6 21.4
Ohio 104.4 7.5 79.6 20.4
Okla. 79.1 4.9 73.7 26.3
Ore. 66.4 4.7 72.5 27.5
Pa. 75.7 5.3 76.6 23.4
R.I. 71.7 4.1 83.8 16.2
S.C. 64.9 3.6 69.3 30.7
S.D. 61.6 3.0 74.7 25.3
Tenn. 69.9 4.4 75.9 24.1
Texas 79.3 6.6 73.3 26.7
Utah 55.0 3.4 68.1 31.9
Vt. 59.3 3.5 72.0 28.0
Va. 62.0 0.4 70.7 29.3
Wash. 67.2 3.4 74.3 25.7
W.Va. 78.2 5.8 70.6 29.4
Wis. 73.0 6.3 73.7 26.3
Wyo. 70.7 3.2 72.4 27.6
U.S. Total 75.4 5.6 74.4 25.6
%
Market
State Leading Writer Share
Ala. Zurich/Farmers Group 7.5
Alaska Alaska National Ins Co 14.1
Ariz. Zurich/Farmers Group 12.1
Ark. St Paul Cos 6.9
Calif. Zurich/Farmers Group 8.2
Colo. Zurich/Farmers Group 10.5
Conn. Hartford Ins Group 10.4
Del. Travelers/Citigroup 12.7
D.C. Travelers/Citigroup 14.7
Fla. Zurich/Farmers Group 7.8
Ga. Zurich/Farmers Group 7.6
Hawaii CNA Ins Cos 24.6
Idaho Safeco Ins Cos 8.7
Ill. Travelers/Citigroup 5.6
Ind. Liberty Mutual Ins Cos 7.8
Iowa Old Republic General Group 8.8
Kan. EMC Ins Cos 6.8
Ky. Zurich/Farmers Group 6.6
La. HDI US Group 11.3
Maine White Mountains Ins Group 18.9
Md. Zurich/Farmers Group 6.7
Mass. Arbella Ins Group 15.4
Mich. Auto-Owners Ins Group 11.6
Minn. Old Republic General Group 11.1
Miss. St Paul Cos 11.1
Mo. Zurich/Farmers Group 12.5
Mont. Travelers/Citigroup 11.5
Neb. Old Republic General Group 13.8
Nev. Zurich/Farmers Group 16.2
N.H. Liberty Mutual Ins Cos 12.1
N.J. Selective Ins Group Inc 7.2
N.M. Zurich/Farmers Group 9.0
N.Y. Travelers/Citigroup 7.8
N.C. Travelers/Citigroup 6.4
N.D. Old Republic General Group 18.7
Ohio Cincinnati Ins Cos 11.3
Okla. Zurich/Farmers Group 8.4
Ore. Zurich/Farmers Group 11.6
Pa. Erie Ins Group 8.5
R.I. Travelers/Citigroup 11.6
S.C. Zurich/Farmers Group 8.1
S.D. Old Republic General Group 13.7
Tenn. Royal & SunAlliance 6.1
Texas Zurich/Farmers Group 8.8
Utah Zurich/Farmers Group 13.1
Vt. Liberty Mutual Ins Cos 12.0
Va. Travelers/Citigroup 6.6
Wash. Safeco Ins Cos 12.1
W.Va. Nationwide Group 12.0
Wis. Winterthur Swiss Group 8.4
Wyo. Old Republic General Group 15.3
U.S. Total Zurich/Farmers Group 6.8
%
Market
State Second Leading Writer Share
Ala. Auto-Owners Ins Group 6.6
Alaska State Farm Group 10.5
Ariz. Auto-Owners Ins Group 6.7
Ark. Travelers/Citigroup 6.0
Calif. Progressive Group 6.0
Colo. Travelers/Citigroup 8.7
Conn. Travelers/Citigroup 9.0
Del. Zurich/Farmers Group 6.1
D.C. St Paul Cos 10.2
Fla. Progressive Group 6.4
Ga. Progressive Group 6.1
Hawaii Fairfax Fin (US) Group 19.6
Idaho Travelers/Citigroup 8.7
Ill. Zurich/Farmers Group 5.3
Ind. Auto-Owners Ins Group 6.1
Iowa EMC Ins Cos 7.2
Kan. Old Republic General Group 6.0
Ky. St Paul Cos 5.8
La. CNA Ins Cos 6.7
Maine WR Berkley Group 11.3
Md. Erie Ins Group 6.4
Mass. Tnavelers/Citigroup 11.1
Mich. Allmerica P&C Cos 8.2
Minn. Auto-Owners Ins Group 8.6
Miss. Zurich/Farmers Group 10.5
Mo. Travelers/Citigroup 6.3
Mont. Safeco Ins Cos 7.7
Neb. Travelers/Citigroup 8.8
Nev. St Paul Cos 7.8
N.H. WR Berkley Group 11.7
N.J. Zurich/Farmers Group 6.5
N.M. CNA Ins Cos 8.4
N.Y. Amer Transit Ins Co 7.1
N.C. Zurich/Farmers Group 5.9
N.D. Travelers/Citigroup 8.7
Ohio Westfield Group 7.1
Okla. Great Amer P&C Group 7.8
Ore. Safeco Ins Cos 9.9
Pa. Zurich/Farmers Group 7.4
R.I. Progressive Group 8.0
S.C. Auto-Owners Ins Group 6.2
S.D. Travelers/Citigroup 6.0
Tenn. CNA Ins Cos 5.6
Texas Winterthur Swiss Group 6.1
Utah CNA Ins Cos 7.3
Vt. Legion Ins Group 9.0
Va. Zurich/Farmers Group 6.0
Wash. Zurich/Farmers Group 11.3
W.Va. St Paul Cos 10.8
Wis. Acuity Group 7.0
Wyo. St Paul Cos 9.1
U.S. Total Travelers/Citigroup 5.5
(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's Statement
Products: State/Line. For custom data, please call (908) 439-2200, ext,
5383.
Private Passenger Auto, Top Writers by State--2001
Rank based on 2001 direct premiums written.
($ Thousands)
Direct %
No. of Premium % U.S Premium
State Rank Cos. Written Total Change
Ala. 25 307 $1,866,228 1.4 5.7
Alaska 47 144 284,668 0.2 11.4
Ariz. 16 343 2,555,016 2.0 9.9
Ark. 31 283 1,138,033 0.9 7.4
Calif. 1 392 14,778,341 11.3 9.3
Colo. 17 310 2,513,160 1.9 11.5
Conn. 23 269 2,033,595 1.6 6.5
Del. 44 222 456,102 0.3 4.8
D.C. 51 197 206,530 0.2 5.8
Fla. 4 409 8,481,116 6.5 12.4
Ga. 10 383 4,044,931 3.1 8.0
Hawaii 43 134 477,111 0.4 4.8
Idaho 42 244 494,368 0.4 8.5
Ill. 8 438 4,860,675 3.7 5.3
Ind. 18 397 2,503,556 1.9 6.5
Iowa 33 320 1,087,217 0.8 5.4
Kan. 30 304 1,189,862 0.9 6.9
Ky. 27 309 1,728,505 1.3 5.5
La. 22 307 2,154,574 1.7 6.8
Maine 41 202 502,975 0.4 6.1
Md. 15 301 2,819,884 2.2 7.5
Mass. 11 161 3,750,475 2.9 0.8
Mich. 7 266 4,933,747 3.8 7.5
Minn. 19 320 2,502,024 1.9 8.2
Miss. 34 298 1,082,679 0.8 11.9
Mo. 20 366 2,390,194 1.8 5.5
Mont. 45 225 377,696 0.3 11.9
Neb. 38 276 723,526 0.6 8.1
Nev. 32 253 1,131,226 0.9 10.9
N.H. 39 202 585,865 0.4 7.0
N.J. 6 247 5,135,154 3.9 5.6
N.M. 37 242 767,693 0.6 5.8
N.Y. 3 353 9,018,313 6.9 10.3
N.C. 12 277 3,468,334 2.7 6.8
N.D. 49 242 257,258 0.2 6.5
Ohio 9 413 4,676,866 3.6 7.8
Okla. 29 289 1,445,772 1.1 6.2
Ore. 28 299 1,564,659 1.2 6.9
Pa. 5 383 5,732,136 4.4 7.2
R.I. 40 218 567,199 0.4 7.6
S.C. 26 263 1,841,583 1.4 9.0
S.D. 46 241 294,684 0.2 9.1
Tenn. 21 365 2,210,870 1.7 6.5
Texas 2 398 9,358,728 7.2 11.2
Utah 35 274 903,184 0.7 9.4
Vt. 48 195 259,965 0.2 6.3
Va. 13 346 3,196,428 2.5 8.9
Wash. 14 301 2,895,168 2.2 8.3
W.Va. 36 224 865,456 0.7 6.9
Wis. 24 367 2,001,900 1.5 6.2
Wyo. 50 192 219,247 0.2 12.1
U.S. Total 1,286 $130,334,477 100.0 8.1
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 64.1 1.6 27.9 72.1
Alaska 81.1 4.0 20.5 79.5
Ariz. 69.9 1.9 24.8 75.2
Ark. 72.2 1.2 21.9 78.1
Calif. 70.5 3.7 33.5 66.5
Colo. 79.0 2.7 23.2 76.8
Conn. 65.6 3.0 44.7 55.3
Del. 73.3 3.5 27.7 72.3
D.C. 65.6 2.4 19.3 80.7
Fla. 79.3 3.6 30.5 69.5
Ga. 70.5 2.6 34.7 65.3
Hawaii 54.8 1.8 43.4 56.6
Idaho 65.8 2.1 27.1 72.9
Ill. 70.2 3.0 22.5 77.5
Ind. 66.4 2.9 37.5 62.5
Iowa 75.8 1.4 39.1 60.9
Kan. 68.0 1.1 21.4 78.6
Ky. 74.3 2.3 35.5 64.5
La. 78.6 5.6 26.0 74.0
Maine 66.5 1.9 52.2 47.8
Md. 74.1 2.1 23.6 76.4
Mass. 70.4 2.2 76.9 23.1
Mich. 95.6 2.3 34.9 65.1
Minn. 71.7 2.6 31.3 68.7
Miss. 69.4 2.0 27.3 72.7
Mo. 79.3 1.5 26.2 73.8
Mont. 70.9 1.1 30.5 69.5
Neb. 86.5 1.6 29.4 70.6
Nev. 64.1 2.2 26.0 74.0
N.H. 64.8 1.5 41.9 58.1
N.J. 73.4 4.5 34.7 65.3
N.M. 63.5 1.7 24.4 75.6
N.Y. 74.3 6.6 40.0 60.0
N.C. 67.1 1.3 30.9 69.1
N.D. 85.0 1.6 43.4 56.6
Ohio 68.3 1.9 49.1 50.9
Okla. 68.3 1.5 24.4 75.6
Ore. 66.7 1.9 31.0 69.0
Pa. 72.5 2.9 43.2 56.8
R.I. 70.3 2.7 38.5 61.5
S.C. 69.7 2.1 22.6 77.4
S.D. 69.8 1.9 45.2 54.8
Tenn. 67.1 2.0 25.2 74.8
Texas 78.6 2.4 25.3 74.7
Utah 92.8 2.2 23.6 76.4
Vt. 63.8 1.6 51.3 48.7
Va. 65.7 1.9 25.4 74.6
Wash. 68.6 2.7 41.1 58.9
W.Va. 73.6 2.8 26.3 73.7
Wis. 68.5 2.1 40.2 59.8
Wyo. 69.7 2.2 26.5 73.5
U.S. Total 73.0 2.9 33.7 66.3
% Market
State Leading Writer Share
Ala. State Farm Group 24.5
Alaska State Farm Group 26.4
Ariz. State Farm Group 18.3
Ark. State Farm Group 24.8
Calif. State Farm Group 12.9
Colo. State Farm Group 23.5
Conn. Allstate Ins Group 12.6
Del. Nationwide Group 23.8
D.C. Berkshire Hathaway 30.5
Fla. State Farm Group 23.3
Ga. State Farm Group 25.5
Hawaii State Farm Group 18.1
Idaho State Farm Group 17.0
Ill. State Farm Group 32.1
Ind. State Farm Group 23.0
Iowa State Farm Group 20.3
Kan. State Farm Group 21.7
Ky. Ky Farm Bureau Group 19.6
La. State Farm Group 37.0
Maine State Farm Group 12.3
Md. State Farm Group 19.0
Mass. Commerce Group 22.9
Mich. Auto Club Group 20.1
Minn. State Farm Group 22.6
Miss. State Farm Group 27.6
Mo. State Farm Group 23.4
Mont. State Farm Group 24.1
Neb. State Farm Group 25.3
Nev. State Farm Group 16.4
N.H. State Farm Group 12.1
N.J. State Farm Group 16.3
N.M. State Farm Group 23.2
N.Y. Allstate Ins Group 17.1
N.C. Nationwide Group 20.1
N.D. State Farm Group 15.2
Ohio State Farm Group 19.1
Okla. State Farm Group 21.9
Ore. State Farm Group 21.0
Pa. State Farm Group 18.7
R.I. MetLife Auto & Home 11.4
S.C. State Farm Group 29.9
S.D. State Farm Group 18.2
Tenn. State Farm Group 24.8
Texas State Farm Group 23.3
Utah State Farm Group 20.3
Vt. Allstate Ins Group 12.7
Va. State Farm Group 17.7
Wash. State Farm Group 15.1
W.Va. State Farm Group 32.0
Wis. Amer Family Ins Group 25.8
Wyo. State Farm Group 25.9
U.S. Total State Farm Group 19.0
% Market
State Second leading Writer Share
Ala. Alfa Ins Group 18.2
Alaska Allstate Ins Group 23.9
Ariz. Zurich/Farmers Group 15.1
Ark. South Farm Bureau Group 17.1
Calif. Zurich/Farmers Group 11.9
Colo. Zurich/Farmers Group 15.6
Conn. Berkshire Hathaway 8.4
Del. State Farm Group 22.2
D.C. State Farm Group 22.2
Fla. Allstate Ins Group 15.7
Ga. Allstate Ins Group 11.4
Hawaii Berkshire Hathaway 17.2
Idaho Zurich/Farmers Group 15.4
Ill. Allstate Ins Group 11.4
Ind. United Farm Bureau of Ind Group 9.4
Iowa Nationwide Group 11.0
Kan. Amer Family Ins Group 14.3
Ky. State Farm Group 19.3
La. Allstate Ins Group 14.9
Maine White Mountains Ins Group 10.4
Md. Berkshire Hathaway 15.7
Mass. Arbella Ins Group 11.0
Mich. State Farm Group 17.5
Minn. Amer Family Ins Group 13.2
Miss. South Farm Bureau Group 14.9
Mo. Amer Family Ins Group 17.4
Mont. Zurich/Farmers Group 15.9
Neb. Amer Family Ins Group 10.4
Nev. Allstate Ins Group 14.6
N.H. Liberty Mutual Ins Cos 11.3
N.J. Allstate Ins Group 12.1
N.M. Zurich/Farmers Group 16.6
N.Y. State Farm Group 12.8
N.C. State Farm Group 14.3
N.D. Amer Family Ins Group 12.4
Ohio Nationwide Group 11.7
Okla. Zurich/Farmers Group 20.7
Ore. Zurich/Farmers Group 16.9
Pa. Allstate Ins Group 14.1
R.I. Allstate Ins Group 10.4
S.C. Allstate Ins Group 15.6
S.D. Amer Family Ins Group 13.9
Tenn. Tenn Farmers Cos 17.9
Texas Allstate Ins Group 16.7
Utah Allstate Ins Group 17.3
Vt. State Farm Group 9.4
Va. Allstate Ins Group 12.2
Wash. Zurich/Farmers Group 13.9
W.Va. Nationwide Group 19.8
Wis. State Farm Group 12.9
Wyo. Zurich/Farmers Group 14.3
U.S. Total Allstate Ins Group 11.3
(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's Statement Products: State/Line. For custom data,
please call (908) 439-2200, ext. 5383.
Auto Liability, Top Writers by State--2001
Rank based on 2001 direct premiums written.
($ Thousands)
Direct %
No. of Premiums % U.S. Premium
State Rank Cos. Written Total Change
Ala. 27 477 $1,242,745 1.3 6.9
Alaska 47 286 199,122 0.2 9.5
Ariz. 19 526 1,675,155 1.8 9.3
Ark. 31 464 785,761 0.9 8.2
Calif. 1 543 10,179,893 11.1 8.6
Colo. 18 486 1,694,351 1.8 11.6
Conn. 22 406 1,537,506 1.7 8.1
Del. 42 382 370,959 0.4 7.4
D.C. 51 325 133,590 0.1 1.2
Fla. 3 585 6,745,355 7.3 14.9
Ga. 10 568 2,535,031 2.8 10.4
Hawaii 40 243 402,111 0.4 4.0
Idaho 44 407 346,390 0.4 6.1
III. 8 616 3,247,284 3.5 5.1
Ind. 16 588 1,740,639 1.9 6.7
Iowa 32 496 749,424 0.8 6.1
Kan. 34 469 707,703 0.8 6.3
Ky. 25 491 1,302,730 1.4 5.7
La. 21 481 1,579,553 1.7 9.1
Maine 43 303 357,120 0.4 7.6
Md. 15 489 1,985,172 2.2 7.5
Mass. 9 305 2,890,583 3.1 4.1
Mich. 11 456 2,466,705 2.7 10.5
Minn. 17 474 1,728,999 1.9 7.1
Miss. 33 484 739,295 0.8 15.9
Mo. 20 543 1,597,782 1.7 6.2
Mont. 45 387 268,349 0.3 10.8
Neb. 38 442 477,881 0.5 7.4
Nev. 30 437 840,939 0.9 11.3
N.H. 41 297 393,881 0.4 6.3
N.J. 6 401 3,821,338 4.2 4.9
N.M. 37 403 536,010 0.6 5.5
N.Y. 2 494 7,485,218 8.1 13.8
N.C. 12 449 2,393,647 2.6 7.8
N.D. 49 392 161,904 0.2 6.1
Ohio 7 602 3,325,427 3.6 8.3
Okla 29 479 992,599 1.1 6.8
Ore. 28 484 1,147,561 1.2 8.0
Pa. 5 558 4,188,221 4.5 8.6
R.I. 39 351 433,494 0.5 8.2
S.C. 26 447 1,278,945 1.4 8.6
S.D. 46 412 200,102 0.2 7.1
Tenn. 23 562 1,494,690 1.6 6.9
Texas 4 593 6,488,782 7.0 11.9
Utah 35 438 636,289 0.7 11.7
Vt. 48 302 171,071 0.2 10.0
Va. 13 513 2,241,493 2.4 9.1
Wash. 14 473 2,053,467 2.2 8.6
W.Va. 36 387 600,761 0.7 5.0
Wis. 24 545 1,357,017 1.5 6.0
Wyo. 50 344 137,445 0.1 10.8
U.S. Total 1504 $92,067,492 100.0 9.0
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 69.0 3.8 37.7 62.3
Alaska 86.6 6.8 28.0 72.0
Ariz. 69.5 5.0 32.6 67.4
Ark. 75.6 2.6 33.6 66.4
Calif. 69.5 6.0 40.6 59.4
Colo. 85.2 4.6 31.6 68.4
Conn. 70.9 4.9 50.8 49.2
Del. 80.2 5.4 36.7 63.3
D.C. 61.9 3.7 32.4 67.6
Fla. 85.0 5.3 37.5 62.5
Ga. 82.9 4.9 44.8 55.2
Hawaii 50.7 2.9 52.5 47.5
Idaho 71.2 4.0 38.2 61.8
III. 74.9 5.7 34.8 65.2
Ind. 70.5 5.1 46.1 53.9
Iowa 67.8 3.3 49.3 50.7
Kan. 71.4 2.8 32.1 67.9
Ky. 79.4 4.0 42.4 57.6
La. 88.2 10.1 37.6 62.4
Maine 69.3 3.3 58.4 41.6
Md. 76.3 3.3 32.1 67.9
Mass. 67.5 3.5 80.2 19.8
Mich. 121.2 5.1 43.4 56.6
Minn. 66.8 4.3 40.2 59.8
Miss. 76.7 4.1 38.3 61.7
Mo. 69.9 3.0 34.1 65.9
Mont. 75.2 3.0 42.6 57.4
Neb. 73.8 3.2 41.1 58.9
Nev. 68.6 4.2 32.9 67.1
N.H. 66.6 2.5 48.4 51.6
N.J. 91.6 7.4 43.5 56.5
N.M. 67.1 3.1 31.7 68.3
N.Y. 85.2 10.5 48.3 51.7
N.C. 74.3 3.1 39.4 60.6
N.D. 54.7 2.6 53.7 46.3
Ohio 78.0 4.4 54.6 45.4
Okla 75.5 3.1 34.6 65.4
Ore. 69.8 3.4 38.8 61.2
Pa. 78.2 5.0 49.8 50.2
R.I. 77.7 4.1 46.7 53.3
S.C. 74.0 3.6 30.5 69.5
S.D. 65.7 3.6 53.2 46.8
Tenn. 70.5 4.0 37.0 63.0
Texas 76.8 4.5 34.4 65.6
Utah 103.9 3.9 33.8 66.2
Vt. 65.6 3.3 55.8 44.2
Va. 65.8 2.5 33.7 66.3
Wash. 72.1 4.1 46.2 53.8
W.Va. 78.9 4.9 33.5 66.5
Wis. 71.3 4.9 48.7 51.3
Wyo. 81.5 4.4 38.6 61.4
U.S. Total 77.4 5.2 42.1 57.9
% Market
State Leading Writer Share
Ala. State Farm Group 19.4
Alaska State Farm Group 23.6
Ariz. State Farm Group 16.4
Ark. State Farm Group 19.6
Calif. State Farm Group 11.8
Colo. State Farm Group 18.5
Conn. Allstate Ins Group 10.0
Del. Nationwide Group 21.4
D.C. Berkshire Hathaway 24.4
Fla. State Farm Group 20.4
Ga. State Farm Group 18.9
Hawaii State Farm Group 15.6
Idaho State Farm Group 14.3
III. State Farm Group 25.3
Ind. State Farm Group 18.1
Iowa State Farm Group 15.1
Kan. State Farm Group 17.5
Ky. Ky Farm Bureau Group 16.6
La. State Farm Group 30.1
Maine White Mountains Ins Group 12.0
Md. State Farm Group 15.7
Mass. Commerce Group Inc 20.2
Mich. Auto Club Group 16.8
Minn. State Farm Group 18.8
Miss. State Farm Group 20.7
Mo. State Farm Group 18.8
Mont. State Farm Group 19.0
Neb. State Farm Group 19.7
Nev. Zurich/Farmers Group 15.3
N.H. Liberty Mutual Ins Cos 11.4
N.J. State Farm Group 12.4
N.M. State Farm Group 20.6
N.Y. Allstate Ins Group 14.4
N.C. Nationwide Group 16.8
N.D. State Farm Group 11.5
Ohio State Farm Group 15.7
Okla Zurich/Farmers Group 18.9
Ore. State Farm Group 17.5
Pa. State Farm Group 15.5
R.I. Progressive Group 10.0
S.C. State Farm Group 25.4
S.D. State Farm Group 14.2
Tenn. State Farm Group 19.9
Texas State Farm Group 19.4
Utah State Farm Group 16.7
Vt. Allstate Ins Group 10.2
Va. State Farm Group 14.5
Wash. Zurich/Farmers Group 14.0
W.Va. State Farm Group 26.6
Wis. Amer Family Ins Group 19.4
Wyo. State Farm Group 20.9
U.S. Total State Farm Group 15.6
% Market
State Second Leading Writer Share
Ala. Alfa Ins Group 14.1
Alaska Allstate Ins Group 20.3
Ariz. Zurich/Farmers Group 14.2
Ark. South Farm Bureau Group 12.4
Calif. Zurich/Farmers Group 11.5
Colo. Zurich/Farmers Group 14.8
Conn. Hartford Ins Group 7.3
Del. State Farm Group 18.0
D.C. State Farm Group 19.2
Fla. Allstate Ins Group 13.4
Ga. Progressive Group 9.6
Hawaii Berkshire Hathaway 14.1
Idaho Zurich/Farmers Group 13.5
III. Allstate Ins Group 8.3
Ind. United Farm of Ind Group 7.6
Iowa Nationwide Group 9.6
Kan. Zurich/Farmers Group 12.5
Ky. State Farm Group 16.5
La. Allstate Ins Group 11.4
Maine State Farm Group 9.9
Md. Berkshire Hathaway 12.9
Mass. Arbella Ins Group 11.9
Mich. State Farm Group 13.9
Minn. Amer Family Ins Group 11.0
Miss. South Farm Bureau Group 11.2
Mo. Amer Family Ins Group 13.5
Mont. Zurich/Farmers Group 13.2
Neb. Amer Family Ins Group 8.0
Nev. State Farm Group 14.7
N.H. State Farm Group 11.1
N.J. NJ Manufacturers Group 11.4
N.M. Zurich/Farmers Group 15.3
N.Y. State Farm Group 11.0
N.C. State Farm Group 11.7
N.D. Amer Family Ins Group 9.2
Ohio Nationwide Group 11.4
Okla State Farm Group 18.3
Ore. Zurich/Farmers Group 16.0
Pa. Erie Ins Group 12.2
R.I. MetLife Auto & Home Group 9.4
S.C. Allstate Ins Group 12.2
S.D. Amer Family Ins Group 10.2
Tenn. Tenn Farmers Cos 13.3
Texas Allstate Ins Group 14.2
Utah Zurich/Farmers Group 16.5
Vt. Progressive Group 8.9
Va. Nationwide Group 11.9
Wash. State Farm Group 13.3
W.Va. Nationwide Group 19.8
Wis. State Farm Group 10.2
Wyo. Zurich/Farmers Group 13.0
U.S. Total Allstate Ins Group 9.3
(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)Insures that distribute primarily through a direct-selling system or
an exclusive agency system.
Source: A.M. Best's Statement Products: State/Line. For custom data,
please call (908) 439-2200, ext. 5383.
Auto Physical Damage, Top Writers by State--2001
Rank based on 2001 direct premiums written.
($ Thousands)
Direct %
No. of Premiums % U.S Premium
State Rank Cos. Written Total Change
Ala. 24 451 $1,009,738 1.6 7.4
Alaska 50 260 132,901 0.2 12.5
Ariz. 18 491 1,247,562 2.0 13.7
Ark. 32 442 596,740 1.0 10.3
Calif. 1 506 6,939,665 11.2 12.6
Colo. 21 451 1,202,643 1.9 11.3
Conn. 26 365 847,772 1.4 9.3
Del. 44 343 180,632 0.3 6.5
D.C. 51 279 101,652 0.2 7.5
Fla. 5 547 3,178,488 5.1 9.8
Ga. 9 544 2,218,875 3.6 7.6
Hawaii 47 191 164,658 0.3 13.7
Idaho 41 388 257,268 0.4 4.9
III. 6 592 2,642,705 4.3 7.8
Ind. 14 557 1,311,524 2.1 9.3
Iowa 31 460 629,010 1.0 8.1
Kan. 29 445 720,355 1.2 9.0
Ky. 28 462 746,954 1.2 7.3
La. 23 437 1,010,930 1.6 7.2
Maine 40 285 262,260 0.4 10.0
Md. 16 453 1,263,430 2.0 10.3
Mass. 12 266 1,566,404 2.5 3.6
Mich. 4 418 3,259,639 5.2 7.6
Minn. 19 451 1,232,407 2.0 11.9
Miss. 33 443 593,049 1.0 7.3
Mo. 15 518 1,276,587 2.1 8.7
Mont. 43 355 219,892 0.4 12.9
Neb. 36 397 424,582 0.7 8.3
Nev. 34 401 454,065 0.7 12.8
N.H. 39 287 304,847 0.5 11.9
N.J. 8 361 2,345,500 3.8 10.4
N.M. 38 381 361,484 0.6 6.2
N.Y. 3 451 3,294,929 5.3 6.1
N.C. 11 423 1,754,143 2.8 6.5
N.D. 46 348 165,991 0.3 9.1
Ohio 10 561 2,216,617 3.6 8.9
Okla 27 450 747,416 1.2 9.0
Ore. 30 457 686,265 1.1 5.0
Pa. 7 538 2,630,123 4.2 9.2
R.I. 42 317 219,937 0.4 10.5
S.C. 25 422 880,098 1.4 10.1
S.D. 45 379 175,049 0.3 7.9
Tenn. 20 540 1,213,244 2.0 7.5
Texas 2 522 4,532,723 7.3 13.5
Utah 35 401 438,581 0.7 6.9
Vt. 48 287 145,326 0.2 8.4
Va. 13 494 1,460,688 2.4 10.9
Wash. 17 435 1,252,324 2.0 8.5
W.Va. 37 351 398,110 0.6 8.5
Wis. 22 513 1,104,319 1.8 9.3
Wyo. 49 318 135,226 0.2 11.3
U.S. Total 1,477 $62,155,328 100.0 9.4
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 60.6 0.5 32.8 67.2
Alaska 61.8 0.6 22.7 77.3
Ariz. 71.2 0.5 27.3 72.7
Ark. 72.8 0.5 26.4 73.6
Calif. 71.1 1.0 36.1 63.9
Colo. 67.5 0.4 25.4 74.6
Conn. 59.8 0.5 47.1 52.9
Del. 61.8 0.6 34.4 65.6
D.C. 59.7 0.9 20.3 79.7
Fla. 65.9 0.8 33.9 66.1
Ga. 58.4 0.6 34.6 65.4
Hawaii 60.4 0.7 47.9 52.1
Idaho 58.9 0.3 32.1 67.9
III. 66.6 0.5 28.1 71.9
Ind. 63.1 0.4 41.4 58.6
Iowa 85.7 0.4 44.1 55.9
Kan. 68.0 0.4 26.2 73.8
Ky. 65.8 0.4 39.9 60.1
La. 69.3 0.1 28.7 71.3
Maine 62.0 0.5 54.1 45.9
Md. 69.4 0.6 26.3 73.7
Mass. 75.1 0.4 77.8 22.2
Mich. 71.0 0.3 39.1 60.9
Minn. 76.9 0.7 34.8 65.2
Miss. 66.9 1.0 31.8 68.2
Mo. 89.3 0.5 30.0 70.0
Mont. 67.8 0.7 38.5 61.5
Neb. 100.4 0.5 35.7 64.3
Nev. 61.8 0.7 28.2 71.8
N.H. 61.4 0.5 44.9 55.1
N.J. 46.6 0.6 38.8 61.2
N.M. 56.6 0.4 29.6 70.4
N.Y. 57.9 0.6 42.9 57.1
N.C. 57.9 0.3 34.8 65.2
N.D. 111.5 0.6 48.3 51.7
Ohio 67.2 0.3 52.9 47.1
Okla 62.7 0.5 30.3 69.7
Ore. 61.4 0.5 34.3 65.7
Pa. 64.8 0.5 46.5 53.5
R.I. 56.1 0.4 40.2 59.8
S.C. 61.9 0.5 27.9 72.1
S.D. 70.6 0.4 49.7 50.3
Tenn. 64.0 0.5 31.5 68.5
Texas 81.4 0.9 29.9 70.1
Utah 62.5 0.3 26.3 73.7
Vt. 60.0 0.3 54.1 45.9
Va. 64.2 0.4 28.5 71.5
Wash. 62.4 0.6 43.7 56.3
W.Va. 67.1 0.5 30.2 69.8
Wis. 67.0 0.4 43.7 56.3
Wyo. 58.2 0.4 32.4 67.6
U.S. Total 67.4 0.6 36.9 63.1
% Market
State Leading Writer Share
Ala. State Farm Group 23.0
Alaska State Farm Group 24.9
Ariz. State Farm Graup 16.7
Ark. State Farm Graup 23.2
Calif. State Farm Group 11.4
Colo. State Farm Group 24.8
Conn. Allstate Ins Group 12.9
Del. State Farm Group 20.1
D.C. Berkshire Hathaway 30.3
Fla. State Farm Group 20.7
Ga. State Farm Group 26.1
Hawaii Amer International Group 16.1
Idaho State Farm Group 15.4
III. State Farm Group 29.6
Ind. State Farm Group 21.2
Iowa State Farm Group 18.7
Kan. State Farm Group 20.3
Ky. Ky Farm Bureau Group 17.5
La. State Farm Group 34.2
Maine White Mountains Ins Group 11.9
Md. State Farm Group 18.8
Mass. Commerce Group Inc 21.4
Mich. Auto Club Group 17.8
Minn. State Farm Group 21.6
Miss. State Farm Group 26.1
Mo. State Farm Group 22.1
Mont. State Farm Group 20.5
Neb. State Farm Group 22.5
Nev. Allstate Ins Group 15.7
N.H. Liberty Mutual Ins Cos 11.5
N.J. State Farm Group 16.0
N.M. State Farm Group 20.4
N.Y. Allstate Ins Group 16.2
N.C. Nationwide Group 18.4
N.D. State Farm Group 13.9
Ohio State Farm Group 18.0
Okla State Farm Group 19.6
Ore. State Farm Group 20.8
Pa. State Farm Group 17.1
R.I. MetLife Auto & Home 10.9
S.C. State Farm Group 27.4
S.D. State Farm Group 16.4
Tenn. State Farm Group 22.0
Texas State Farm Group 21.6
Utah State Farm Group 19.4
Vt. Allstate Ins Group 11.3
Va. State Farm Group 17.4
Wash. State Farm Group 14.4
W.Va. State Farm Group 31.4
Wis. Amer Family Ins Group 23.5
Wyo. State Farm Group 23.2
U.S. Total State Farm Group 18.0
% Market
State Second Leading Writer Share
Ala. Alfa Ins Group 16.3
Alaska Allstate Ins Group 22.8
Ariz. Zurich/Farmers Group 15.4
Ark. South Farm Bureau Group 17.9
Calif. Zurich/Farmers Group 11.2
Colo. Zurich/Farmers Group 15.1
Conn. Berkshire Hathaway 7.5
Del. Nationwide Group 18.8
D.C. State Farm Group 20.4
Fla. Allstate Ins Group 16.1
Ga. Allstate Ins Group 11.4
Hawaii Berkshire Hathaway 15.6
Idaho Zurich/Farmers Group 14.1
III. Allstate Ins Group 11.1
Ind. United Farm Bureau of Ind Group 8.8
Iowa Nationwide Group 9.9
Kan. Amer Family Ins Group 12.7
Ky. State Farm Group 17.0
La. Allstate Ins Group 15.2
Maine State Farm Group 11.2
Md. Allstate Ins Group 15.0
Mass. Arbella Ins Group 11.3
Mich. State Farm Group 17.0
Minn. Zurich/Farmers Group 12.2
Miss. South Farm Bureau Group 13.7
Mo. Amer Family Ins Group 16.3
Mont. Zurich/Farmers Group 13.3
Neb. Amer Family Ins Group 9.0
Nev. State Farm Group 15.0
N.H. State Farm Group 10.0
N.J. Allstate Ins Group 10.5
N.M. Zurich/Farmers Group 15.7
N.Y. State Farm Group 11.0
N.C. State Farm Group 13.5
N.D. Amer Family Group 10.7
Ohio Progressive Group 10.2
Okla Zurich/Farmers Group 18.3
Ore. Zurich/Farmers Group 16.4
Pa. Erie Ins Group 13.5
R.I. Allstate Ins Group 10.7
S.C. Allstate Ins Group 15.5
S.D. Amer Family Ins Group 12.3
Tenn. Tenn Farmers Cos 16.9
Texas Allstate Ins Group 15.4
Utah Allstate Ins Group 17.7
Vt. State Farm Group 8.0
Va. Allstate Ins Group 12.1
Wash. Zurich/Farmers Group 13.0
W.Va. Nationwide Group 17.2
Wis. State Farm Group 11.9
Wyo. Zurich/Farmers Group 12.7
U.S. Total Allstate Ins Gmup 10.6
(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's Statement Products: State/Line. For custom data,
please call (908) 439-2200, ext. 5383.
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