Gearing up: insurers are using driver safety programs, sharply focused advertising and the Internet to court teen drivers.Teen-age drivers evoke e·voke tr.v. e·voked, e·vok·ing, e·vokes 1. To summon or call forth: actions that evoked our mistrust. 2. images of reckless reckless adj. in both negligence and criminal cases, careless to the point of being heedless of the consequences ("grossly" negligent). Most commonly this refers to the traffic misdemeanor "reckless driving. speed and its consequences--but insurers see them in a different light. With their numbers expected to create a baby-boom-like demographic See demographics. bulge Bulge A slang term used to describe a rapid advance in prices within the commodities market. Notes: A bulge is similar to a rally on equity exchanges. See also: At The Market, Bear, Break, Bull, Buoyant, Congestion, Rally Bulge by 2010, insurers are busily reaching out to this group. Many auto writers are starting a dialogue with teens by conducting safety programs and offering discounts on rates not only to encourage safer driving habits but also to establish their brand in this demographic. For example, the second largest auto writer, Allstate This article is about the American insurance company. For the line of automobiles, see Allstate (automobile). The Allstate Corporation NYSE: ALL is the largest publicly held personal lines insurer in the United States. Corp., offers full-time students Full-Time Student A status that is important for determining dependency exemptions. An individual enrolled in a post-secondary institution may be eligible for certain tax breaks. Notes: The full-time status is based on what the individual's school considers full time. meeting certain grade requirements its "Good Student Discount." Progressive Corp., the third-largest private passenger writer, is going a step farther and actively marketing to the 14-to-24 year-old age group with commercials and print advertising linked to the stuff of teen angst--dating, zits and clothes. Like their baby boomer baby boomer also ba·by-boom·er n. A member of a baby-boom generation. Noun 1. baby boomer - a member of the baby boom generation in the 1950s; "they expanded the schools for a generation of baby boomers" boomer parents, Generation Y can't be ignored, due to their sheer Sheer and similar can mean:
prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. Michael Wood Michael Wood refers to:
Teen experts caution, however: 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. ignore this age group or use the same old messages to try to reach them. "The prime directive  The novelty of research or terms used in this article is disputed.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 City-based teen marketing and public relations public relations, activities and policies used to create public interest in a person, idea, product, institution, or business establishment. By its nature, public relations is devoted to serving particular interests by presenting them to the public in the most firm. Shankman said 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 important to lock them into an insurance brand as soon as possible. "Grab them early and they will be yours for life. Insurance has no coolness factor like jeans. You'll you'll Contraction of you will. you'll you will or you shall you'll will never see a report that Tom Cruise switched to Geico and that's cool. There is no socially accepted stigma stigma: see pistil. Stigma mark of Cain God’s mark on Cain, a sign of his shame for fratricide. [O. T.: Genesis 4:15] scarlet letter to make them change," Shankman said. Even though a teen might not be buying auto insurance by herself now, she's she's 1. Contraction of she is: She's going away for the weekend. 2. Contraction of she has: She's been to the symphony twice this month. forming impressions about the brand today, Wood said "When it's time It's Time was a successful political campaign run by the Australian Labor Party (ALP) under Gough Whitlam at the 1972 election in Australia. Campaigning on the perceived need for change after 23 years of conservative (Liberal Party of Australia) government, Labor put forward a to build the relationship with an 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. , they are bringing with them any perceptions about the brand--both positive and negative," Wood said. Getting to Know You Generation Y, like teens before them, have distinct characteristics. Because most are the product of two income families, teens have a great deal of disposable income disposable income Portion of an individual's income over which the recipient has complete discretion. To assess disposable income, it is necessary to determine total income, including not only wages and salaries, interest and dividend payments, and business profits, but also . With teens spending $170 billion in 2002, their disposable income is at an all-time all-time adj. Exceeding all others up to the present time: an all-time speed skating record. all-time Adjective Informal high, and that figure doesn't does·n't Contraction of does not. include spending by parents that's influenced by the teen, said Wood. Teens today also are very optimistic op·ti·mist n. 1. One who usually expects a favorable outcome. 2. A believer in philosophical optimism. op and are used to good economic times. They have a dramatic impact on their parents' spending as well, giving input on consumer selections, such as vacation VACATION. That period of time between the end of one term and beginning of another. During vacation, rules and orders are made in such cases as are urgent, by a judge at his chambers. destinations, cars and high-tech high-tech also hi-tech adj. Informal Of, relating to, or resembling high technology. high-tech Adjective same as hi-tech Adj. 1. items. Wood says this purchasing input stems from their parents' raising them with choices. "'So, do you want the cheeseburger or chicken nugget A chicken nugget is either whole or composed from a paste of finely minced chicken or chicken skin, which is then coated in batter or breadcrumbs before being cooked. Fast-food restaurants typically deep-fry their nuggets in oil. Happy Meal?' they were asked. Now teens have an opinion about products, advertising and marketing and they like to be heard," Wood said. The Internet Internet Publicly accessible computer network connecting many smaller networks from around the world. It grew out of a U.S. Defense Department program called ARPANET (Advanced Research Projects Agency Network), established in 1969 with connections between computers at the remains the biggest differentiator Dif`fer`en´ti`a`tor n. 1. One who, or that which, differentiates. Noun 1. differentiator - a person who (or that which) differentiates discriminator for this generation, however. The Internet is the primary medium of choice for this generation of teens, surpassing television, according to a market research program conducted by Harris Interactive Harris Interactive (NASDAQ: HPOL) is an American market research company that specializes in public opinion research using both telephone and surveys on online panels. The company is the product of a 1996 merger between the Gordon S. Black Company and Louis Harris & Associates. and Teenage Research Unlimited on behalf of Yahoo! Inc. and Carat North America North America, third largest continent (1990 est. pop. 365,000,000), c.9,400,000 sq mi (24,346,000 sq km), the northern of the two continents of the Western Hemisphere. . The study reveals teens are able to multitask in a world of media choices, such as 200-plus cable television networks, 5,500 consumer magazine titles, 10,500 radio stations and 30 million-plus Web sites. The study reveals that Generation Y is a revolutionary consumer group entrenched en·trench also in·trench v. en·trenched, en·trench·ing, en·trench·es v.tr. 1. To provide with a trench, especially for the purpose of fortifying or defending. 2. in the media experience and these patterns will influence the future of media spending. "Marketers have been using the same media strategies since television became the primary medium for most market segments in the 1950s. It's time to rethink re·think tr. & intr.v. re·thought , re·think·ing, re·thinks To reconsider (something) or to involve oneself in reconsideration. re ," said Wenda Harris Harris, Scotland: see Lewis and Harris. Millard Millard may refer to: In places in the US:
Targeting the Teen Progressive began augmenting its marketing direction to focus on teens in 2000. At that time, Glenn Renwick Ren·wick , James 1818-1895. American architect who designed the Smithsonian Institution in Washington, D.C. (1848), and Saint Patrick's Cathedral in New York City (1853). , current president and CEO (1) (Chief Executive Officer) The highest individual in command of an organization. Typically the president of the company, the CEO reports to the Chairman of the Board. , said the company was setting its sights on teens as customers of the future. "When charged with running a company, you have to know what our customers are going to look like in the next four to five years," Renwick said. "You must take into account what societal so·ci·e·tal adj. Of or relating to the structure, organization, or functioning of society. so·ci  e·tal·ly adv.Adj. changes have occurred. Today's 14 year-old's life revolves around the computer--online chat rooms and research for school. You have to expect how they will react with financial services The examples and perspective in this article or section may not represent a worldwide view of the subject. Please [ improve this article] or discuss the issue on the talk page. companies," he said. Although Progressive declined to be interviewed for this article, it did pass on information about its teen marketing program. Progressive's reason for reaching out to teens is linked to its goal to become consumers' No. 1 choice for auto insurance. The auto insurer launched its teen advertising campaign in February February: see month. , calling it "an investment that will pay off in the future." Although Progressive's research discovered only a small percentage of teens actually buy auto insurance themselves, it wants teens to get to know the company so that when it comes time to buy a policy they'll they'll Contraction of they will. they'll will already know about Progressive. "Progressive is an innovator, and we believe that this is the first-ever auto insurance ad campaign exclusively targeting teens," Progressive said. Clothes and dating--typical teen issues--are the themes of the print ads. Progressive said the ads were designed to talk to teens in their own language and familiarize them with the concept of insurance in ways that they would find useful in their lives. Progressive said the ads also convey convey v. to transfer title (official ownership) to real property (or an interest in real property) from one (grantor) to another (grantee) by a written deed (or an equivalent document such as a judgment of distribution which conveys real property from an estate). a message to teens that Progressive is one insurance company that will help to de-mystify auto insurance and can offer an easy-to-use policy when they need one. The ads contain Progressive's teen-only Web site address--teen.progressive.com, where young consumers can learn how auto insurance works and get information about driving and driving safety. Since teens spend more time online than any other leisure-time activity, it's important to offer a strong Web presence, said Wood. "There's an educational opportunity here. Teens have questions about buying and insuring a car. There are also a lot of myths out there about insurance," Wood said. Progressive's teen Web site's art is styled like its print ads, and the site offers "Insurance 101" that tells teens about rates, how to get a quote and how to make the decision whether to get their own policy or stay on their parents' coverage. In Progressive's teen-targeted print ad campaign, one of the ads shows a female student arriving late for class and discovering she and her teacher are wearing the same outfit OUTFIT. An allowance made by the government of the United States to a minister plenipotentiary, or charge des affaires, on going from the United States to any foreign country. 2. . The ad, 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: "Fashion Crisis Insurance," says, "We wish we could insure Insure can mean:
Teen expert Wood said "hats off" to Progressive for having a presence in teen media and for embracing this age group and seeing them as an opportunity and not a burden. Wood said Progressive's print ad could be improved, however, simply because teens are so bombarded with marketing messages that "it takes a noteworthy ad to stop and get their attention." The Geek Factory's Shankman said the ads are "very sharp," but also warned Progressive to be careful "not to screw screw, simple machine consisting essentially of a solid cylinder, usually of metal, around which an inclined plane winds spirally, either clockwise or counterclockwise. it up" by making insurance seem cool. "It's more important to focus on what will happen if you don't have insurance that will make you uncool," he said. Progressive's print ads appear in magazines not known to contain insurance advertising--YM, Seventeen Seventeen novel of young love. [Am. Lit.: Booth Tarkington Seventeen in Magill I, 882] See : Adolescence , Vibe and Transworld Skateboarding TRANSWORLD SKATEboarding is a skateboarding magazine, website, and production company owned by Bonnier Corporation. Founded in 1983, TWS was a response to Thrasher Magazine and specifically to the December 1982 article ‘Skate and Destroy’ written by C.R. . The insurer's television commercials are designed to help familiarize teens with insurance in ways that they would find useful in their own lives. In the TV spot called "Backyard," teens are attempting to overcome a boring boring 1. a gait in a horse in which the horse leans heavily on the bit. 2. in racing, movement of a horse to put lateral pressure on another horse racing beside it. day by using a makeshift catapult catapult (kăt`əpŭlt'), mechanism used to throw missiles in ancient and medieval warfare. At first, catapults were specifically designed to shoot spears or other missiles at a low trajectory (see bow and arrow). to launch various items, ranging from a tricycle to one of the teens. The commercial says, "Clearly these teens need boredom Boredom See also Futility. Aldegonde, Lord St. bored nobleman, empty of pursuits. [Br. Lit.: Lothair] Baudelaire, Charles (1821–1867) French poet whose dissipated lifestyle led to inner despair. [Fr. Lit. insurance." In another, entitled "Cute Guy," a young girl makes eye contact with a male teen and then trips over a trash can In the Macintosh, a simulated garbage can used for deleting files and folders. The trash can keeps the files intact in case the user wants to restore them, but can be "emptied" from time to time to save disk space. . The commercial adds that's a moment for "social disaster insurance." The teen-focused television commercials air on MTV MTV in full Music Television U.S. cable television network, established in 1980 to present videos of musicians and singers performing new rock music. MTV won a wide following among rock-music fans worldwide and greatly affected the popular-music business. , Cartoon Network For Cartoon Network outside of the United States, see . Cartoon Network is a cable television network created by Turner Broadcasting which primarily shows animated programming. , ABC Family The novelty of research or terms used in this article is disputed.It Takes a Village The statistics 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. teen driving are hair-raising hair-rais·ing adj. Causing excitement, terror, or thrills. hair-raising Adjective very frightening or exciting Adj. 1. . In 2001, teens accounted for 14% of all motor vehicle fatalities, according to the National Highway Traffic Safety Administration The National Highway Traffic Safety Administration (NHTSA, often pronounced "nit-suh") is an agency of the Executive Branch of the U.S. Government, part of the Department of Transportation. . Injuries from car crashes are the leading health problem for teens 13 to 19 years old. The Insurance Institute for Highway Safety The Insurance Institute for Highway Safety is a U.S. non-profit organization funded by auto insurers. It works to reduce the number of motor vehicle crashes, and the rate of injuries and amount of property damage in the crashes that still occur. reports 16-year-old drivers have the highest percentage of crashes involving speeding and caused by driver error. Some insurers, including Farmers, State Farm and Liberty Mutual, are taking a different tack--addressing parents' concern about teen driving safety. Since most teens learn about auto insurance through their parents and are covered under the family policy, many auto writers are working on creating safer drivers, while offering lower rates, through youth-targeted driver safety programs. These programs help to develop better drivers through the incentive of lower rates. Safety education programs are an excellent way lot auto writers to create good will as well as better risks, said Ray George George, river, c.345 mi (560 km) long, rising in a lake on the Quebec-Labrador boundary, E Canada. It flows N through Indian Lake (125 sq mi/324 sq km) to Ungava Bay (an arm of Hudson Strait). , director of Prophet prophet [Gr.,=foreteller], a religious leader and spokesperson, particularly used in the Bible. The prophets emitted messages from the divine through inspired speech, the interpretation of omens and dreams, and the casting of lots and divination. , a brand strategy consulting firm Noun 1. consulting firm - a firm of experts providing professional advice to an organization for a fee consulting company business firm, firm, house - the members of a business organization that owns or operates one or more establishments; "he worked for a . "By educating teens, you are creating a great public benefit and bringing customers on board who are smart and savvy about risk," George said. "Making people smarter can make you stand out in the crowd," George said. State Farm's "Steer Clear" program, now available in 39 states, has already shown that participants have fewer claims, said Dick Luedke, a State Farm spokesman. It was introduced to encourage young drivers to develop road-worthy habits and because State Farm, the nation's largest auto writer, "values its younger customers and sees them as an important part of the market," Luedke said. Drivers are eligible for the "Steer Clear" program if they are a licensed driver under 25, have no at-fault accidents or moving violations A moving violation is any violation of the law, committed by the driver of a vehicle, while it is in motion. The term "motion" distinguishes it from parking violations. While parking violations are charged against a vehicle (which will be towed if violations go unpaid or are in the past three years and have all cars in the family insured The person who obtains or is otherwise covered by insurance on his or her health, life, or property. The insured in a policy is not limited to the insured named in the policy but applies to anyone who is insured under the policy. insured n. with State Farm. The program is completed under the watchful watch·ful adj. 1. Closely observant or alert; vigilant: kept a watchful eye on the clock. See Synonyms at aware, careful. 2. Archaic Not sleeping; awake. eye of a State Farm agent who provides the video, driving log and magazine, Rearview, to the young driver. Within 60 days of receiving the program, the applicant Applicant is a sketch written by Harold Pinter. It was originally written in 1959 and was first broadcast on BBC Radio 3 in 1964. Plot Applying for a job, a young man named Mr. must watch the video, read the magazine, take a quiz A quiz is a form of game or mind sport in which the players (as individuals or in teams) attempt to answer questions correctly. Quizzes are also brief assessments used in education and similar fields to measure growth in knowledge, abilities, and/or skills. and record 20 to 30 trips in a driving log. The magazine is a graphically catchy publication offering young people an interview with the Grim Reaper Grim Reaper name given to personification of death. [Pop. Culture: Misc.] See : Death , articles on how to drive in dangerous conditions and the Wheel of Misfortune, which shows the consequences of an auto accident, Luedke said young drivers can enjoy up to a 15% discount on their auto coverage after meeting the program's criteria criteria (krītēr´ē  ),n. . Currently 20,000 drivers are receiving discounts through the "Steer Clear" program. Boston-based Liberty Mutual extends its corporate mission to help people lead safer, more secure lives into its tern market segment. "We value long term relationships with customers, and teens begin a relationship trader their parents' policy. Our programs with SADD SADD Students Against Destructive Decisions (formerly Students Against Drunk Driving) SADD Students Against Drunk Driving (now Students Against Destructive Decisions) SADD Sexual Attention Deficit Disorder speak of our commitment to the family," said Man Schlosberg, vice president and manager, personal marketing, for Liberty Mutual. The eighth-largest private-passenger auto writer has had an 11-year relationship with Students Against Destructive Decisions <includeonly></includeonly>Students Against Destructive Decisions is a peer-to-peer youth education and substance abuse use prevention organization in the USA, with over 10,000 chapters in middle schools, high schools, and colleges. , including its 4-year-old Teens Today project. Liberty Mutual's original teen-safety program--"Avoiding Collisions"--contains activities to help teens recognize the consequences of excessive speed, the dangers of night driving and the importance of seat belts. The program is advertised through television commercials and is also marketed through the company's customer newsletter. To date, more than 4 million people have viewed the video, said Schlosberg. Liberty Mutual wanted to do more to promote teen driving safety, so four years ago, together with SADD, it began conducting research on various teen behaviors to help parents with typical teen issues of drinking and driving, communicating and what parents can do to improve the reality gap that exists between them and their children. Given its strong research findings, Liberty Mutual hopes parents will respond to the results and act on them. For instance, in its 2002 study looking at how teens make decisions, Liberty Mutual found that between sixth and seventh grades there is a huge spike A burst of extra voltage in a power line that lasts only a few nanoseconds. See power surge, power swell, sag and surge suppression. (jargon) spike - To defeat a selection mechanism by introducing a (sometimes temporary) device that forces a specific result. in using alcohol and drugs and it jumps even more among ninth-graders. The study also reveals, however, that teens who have an open communication with their parents are more likely to live up to their parents' expectations. Liberty Mutual sees its association with SADD as the example of its approach to the teen driving market--by focusing on safety. The fourth-largest private passenger auto writer--Los Angeles-based Farmers Insurance Group--sees its role as the valuable third party in getting the message of safety to teens. Ten years ago Farmers introduced its "You're you're Contraction of you are. you're you are you're be Essential to Safety" program, but revamped it in 2000. "We did focus group research and learned [that] to reach out to teens we had to have an edgier creative content that the MTV generation can relate to," said Kevin KEVIN Keepers of the Eternal Vigilance of the Islamic Nation (fictional, from White Teeth by Zadie Smith) E. Kelso Kelso, city (1990 pop. 11,820), seat of Cowlitz co., SW Wash., on the Cowlitz River near the Columbia, in a fertile farm area; inc. 1889. Boatbuilding, fishing, and dairy farming are the major industries. Machinery and paper and wood products are manufactured. , president of Farmers personal lines. The "Wrecked wrecked adj. Slang Drunk or intoxicated. Adj. 1. wrecked - destroyed in an accident; "a wrecked ship"; "a highway full of wrecked cars" " program was born out of the focus group research and features a reality-based video with actual stories of teen drivers talking about the consequences accidents have had on their lives, including death, permanent injury and prison time. "The video is painful to watch, much more powerful than standing in front of flip charts flip chart n. A chart consisting of sheets hinged at the top that can be flipped over to present information sequentially. Noun 1. . We also use the work book to drive home the points to young drivers about issues they never thought about," Kelso said. "Wrecked" allows parents and teen drivers to discuss the issues together and also provides a driving agreement that makes the teen commit to time privilege A permission or right. In information security, it refers to the modes of operation that a user or a process is granted. Examples include user-level privilege, operator privilege and supervisory privilege. of driving. Farmers reports accident frequency is 10% to 15% less among participants in the "Wrecked" program. Out of Farmers 400,000 teen drivers, about 65% participate in the program, Kelso said. Farmers is taking another step in its safety mission by piloting a bumper sticker bumper sticker n. A sticker bearing a printed message for display on a vehicle's bumper. bumper sticker n → Aufkleber m program in northern California Northern California, sometimes referred to as NorCal, is the northern portion of the U.S. state of California. The region contains the San Francisco Bay Area, the state capital, Sacramento; as well as the substantial natural beauty of the redwood forests, the northern . The bumper sticker idea is modeled after the signs seen on heavy rigs across the United States that read, "How's My Driving?" and includes an 800 phone number to call with reports. The idea of the "I Saw You" program is to understand what happens when a teen goes out, and the insurer helps the parent, Kelso said. While Farmers' safety programs demonstrate a marketing benefit, it remains focused on safety. "Were trying to do something helpful. What's important is to teach young drivers how to be safe," Kelso said.
Total Auto, Top Writers--2002
Rank is based on 2002 direct premiums written
($ Thousands)
2002 Direct %
Premiums Change in
Rank Group AMB # Written Premiums
1 State Farm Group 00088 $28,645,260 12.0
2 Allstate Ins Group 00008 15,834,659 4.2
3 Zurich/Farmers Group 18549 9,770,108 7.9
4 Progressive Group 00780 9,479,492 31.2
5 Nationwide Group 05987 7,309,004 8.4
6 Berkshire Hathaway 00811 7,070,986 14.1
7 USAA Group 04080 5,137,240 13.6
8 Travelers P C Group 18358 4,312,288 9.3
9 Liberty Mutual Ins Cos 00060 4,273,481 15.5
10 Amer Intl Group 18540 3,879,695 18.9
11 Amer Family Ins Group 00124 3,160,734 16.1
12 Hartford Ins Group 00048 2,902,047 8.7
13 Safeco Ins Cos 00078 2,370,515 9.9
14 CNA Ins Cos 18313 2,180,298 -4.5
15 MetLife Auto & Home Group 18552 2,141,666 13.1
16 Erie Ins Group 04283 1,926,094 20.6
17 Mercury Gen Group 04524 1,717,328 28.4
18 Auto-Owners Ins Group 04354 1,681,709 22.0
19 Calif State Auto Group 18460 1,631,035 7.5
20 Prudential of America Group 03905 1,575,118 9.5
21 Auto Club So Calif Group 18515 1,526,008 15.9
22 GMAC Ins Group 18431 1,523,389 8.6
23 Great Amer P&C Group 04835 1,522,478 -0.5
24 Allmerica Finl P&C Cos 04861 1,373,026 1.2
25 White Mountains Ins Group 18490 1,284,452 -20.5
Top 25 Writers $124,228,111 11.3
Total U.S. P/C Industry $170,831,761 10.6
Market Share (%)
Rank Group 2002 2001 2000
1 State Farm Group 16.8 16.6 15.8
2 Allstate Ins Group 9.3 9.8 10.4
3 Zurich/Farmers Group 5.7 5.9 5.9
4 Progressive Group 5.5 4.7 4.4
5 Nationwide Group 4.3 4.4 4.3
6 Berkshire Hathaway 4.1 4.0 4.1
7 USAA Group 3.0 2.9 2.9
8 Travelers P C Group 2.5 2.6 2.6
9 Liberty Mutual Ins Cos 2.5 2.4 2.6
10 Amer Intl Group 2.3 2.1 2.0
11 Amer Family Ins Group 1.9 1.8 1.8
12 Hartford Ins Group 1.7 1.7 1.7
13 Safeco Ins Cos 1.4 1.4 1.5
14 CNA Ins Cos 1.3 1.5 1.6
15 MetLife Auto & Home Group 1.3 1.2 1.1
16 Erie Ins Group 1.1 1.0 1.0
17 Mercury Gen Group 1.0 0.9 0.8
18 Auto-Owners Ins Group 1.0 0.9 0.8
19 Calif State Auto Group 1.0 1.0 1.0
20 Prudential of America Group 0.9 0.9 0.9
21 Auto Club So Calif Group 0.9 0.9 0.9
22 GMAC Ins Group 0.9 0.9 0.9
23 Great Amer P&C Group 0.9 1.0 1.1
24 Allmerica Finl P&C Cos 0.8 0.9 0.9
25 White Mountains Ins Group 0.8 1.0 1.4
Top 25 Writers 72.7 72.3 72.5
Total U.S. P/C Industry 100.0 100.0 100.0
Adjusted
Loss Ratios (1) % of
Company
Rank Group 2002 2001 2000 Premiums
1 State Farm Group 77.6 84.3 80.2 67.7
2 Allstate Ins Group 63.0 64.9 65.4 72.3
3 Zurich/Farmers Group 58.9 68.4 72.6 39.5
4 Progressive Group 57.9 59.7 69.9 98.1
5 Nationwide Group 59.4 68.4 72.7 59.9
6 Berkshire Hathaway 67.5 71.5 78.2 80.7
7 USAA Group 71.5 74.0 76.3 72.8
8 Travelers P C Group 68.0 74.7 72.4 32.3
9 Liberty Mutual Ins Cos 68.1 78.7 77.9 36.3
10 Amer Intl Group 75.7 75.7 78.2 18.1
11 Amer Family Ins Group 67.2 70.6 70.3 64.3
12 Hartford Ins Group 63.0 67.0 67.7 32.2
13 Safeco Ins Cos 64.5 68.3 74.3 51.3
14 CNA Ins Cos 44.7 110.9 76.3 18.3
15 MetLife Auto & Home Group 63.3 66.9 67.1 73.3
16 Erie Ins Group 84.1 74.2 67.8 61.1
17 Mercury Gen Group 61.4 61.1 59.3 92.2
18 Auto-Owners Ins Group 71.7 74.5 69.9 50.3
19 Calif State Auto Group 68.5 71.6 73.3 86.2
20 Prudential of America Group 68.7 65.8 57.2 75.0
21 Auto Club So Calif Group 69.6 72.5 72.3 88.9
22 GMAC Ins Group 74.9 81.6 64.0 64.1
23 Great Amer P&C Group 60.2 65.4 68.7 38.2
24 Allmerica Finl P&C Cos 72.7 77.5 71.4 55.3
25 White Mountains Ins Group 70.9 80.2 83.9 47.5
Top 25 Writers 67.5 73.6 73.3 53.5
Total U.S. P/C Industry 67.6 73.4 73.1 42.0
(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 Statement Products: State/Line. For more information
about custom data, call (908) 439-2200, ext. 5383.
All Private-Passenger Auto, Top Writers-2002
Rank is based on 2002 direct premiums written.
($ Thousands)
2002 Direct %
Premiums Change in
Rank Company/Group AMB # Written Premiums
1 State Farm Group 00088 $27,755,446 12.0
2 Allstate Ins Group 00008 15,307,383 4.0
3 Progressive Group 00780 8,300,095 30.1
4 Zurich/Farmers Group 18549 7,882,626 6.1
5 Berkshire Hathaway 00811 6,786,448 12.6
6 Nationwide Group 05987 6,615,820 7.7
7 USAA Group 04080 5,137,161 13.6
8 Liberty Mutual Ins Cos 00060 3,326,796 12.8
9 Amer Family Ins Group 00124 3,111,822 16.0
10 Amer Intl Group 18540 2,932,726 15.4
11 Travelers P C Group 18358 2,825,722 7.4
12 Hartford Ins Group 00048 2,317,976 5.9
13 MetLife Auto & Home Group 18552 2,141,666 13.1
14 Safeco Ins Cos 00078 2,022,498 13.1
15 Erie Ins Group 04283 1,657,654 19.6
16 Mercury Gen Group 04524 1,649,076 28.5
17 Calif State Auto Group 18460 1,631,035 7.5
18 Prudential of America Group 03905 1,563,031 9.3
19 Auto Club So Calif Group 18515 1,526,003 15.9
20 GMAC Ins Group 18431 1,277,771 9.9
21 CNA Ins Cos 18313 1,233,254 -1.8
22 Commerce Group Inc 02966 1,187,483 20.9
23 Auto Club Group 00312 1,185,612 15.0
24 Great Amer P&C Group 04835 1,180,677 -5.4
25 Allmerica Finl P & C Cos 04861 1,157,123 8.5
Top 25 P/C Cos $111,712,906 11.3
Total U.S. P/C Cos $143,753,551 10.2
Market Share (%)
Rank Company/Group 2002 2001 2000
1 State Farm Group 19.3 19.0 17.9
2 Allstate Ins Group 10.6 11.3 11.8
3 Progressive Group 5.8 4.9 4.7
4 Zurich/Farmers Group 5.5 5.7 5.8
5 Berkshire Hathaway 4.7 4.6 4.7
6 Nationwide Group 4.6 4.7 4.6
7 USAA Group 3.6 3.5 3.4
8 Liberty Mutual Ins Cos 2.3 2.3 2.3
9 Amer Family Ins Group 2.2 2.1 2.1
10 Amer Intl Group 2.0 1.9 1.9
11 Travelers P C Group 2.0 2.0 2.0
12 Hartford Ins Group 1.6 1.7 1.7
13 MetLife Auto & Home Group 1.5 1.5 1.3
14 Safeco Ins Cos 1.4 1.4 1.4
15 Erie Ins Group 1.2 1.1 1.0
16 Mercury Gen Group 1.1 1.0 0.9
17 Calif State Auto Group 1.1 1.2 1.2
18 Prudential of America Group 1.1 1.1 1.1
19 Auto Club So Calif Group 1.1 1.0 1.0
20 GMAC Ins Group 0.9 0.9 0.9
21 CNA Ins Cos 0.9 1.0 1.1
22 Commerce Group Inc 0.8 0.8 0.8
23 Auto Club Group 0.8 0.8 0.8
24 Great Amer P&C Group 0.8 1.0 1.1
25 Allmerica Finl P & C Cos 0.8 0.8 0.8
Top 25 P/C Cos 77.7 76.9 76.4
Total U.S. P/C Cos 100.0 100.0 100.0
Adjusted
Loss Ratios (1) % of
Company
Rank Company/Group 2002 2001 2000 Premiums
1 State Farm Group 78.0 84.6 80.5 65.6
2 Allstate Ins Group 63.0 64.7 65.4 69.9
3 Progressive Group 57.6 59.7 70.7 85.9
4 Zurich/Farmers Group 57.1 67.2 72.0 31.9
5 Berkshire Hathaway 67.8 72.2 78.8 77.5
6 Nationwide Group 59.2 68.3 72.4 54.2
7 USAA Group 71.5 74.0 76.3 72.8
8 Liberty Mutual Ins Cos 67.3 73.4 69.5 28.3
9 Amer Family Ins Group 67.1 70.7 70.4 63.3
10 Amer Intl Group 65.0 80.0 73.9 13.7
11 Travelers P C Group 69.0 71.7 71.8 21.2
12 Hartford Ins Group 66.9 69.5 66.8 25.7
13 MetLife Auto & Home Group 63.3 66.9 67.2 73.3
14 Safeco Ins Cos 65.8 68.9 73.8 43.7
15 Erie Ins Group 84.7 74.1 66.8 52.6
16 Mercury Gen Group 61.6 61.1 60.1 88.6
17 Calif State Auto Group 68.5 71.6 73.3 86.2
18 Prudential of America Group 68.7 65.6 57.2 74.4
19 Auto Club So Calif Group 69.6 72.5 72.4 88.9
20 GMAC Ins Group 75.3 82.6 63.6 53.7
21 CNA Ins Cos 31.1 111.0 70.2 10.3
22 Commerce Group Inc 66.4 63.8 60.3 84.4
23 Auto Club Group 80.6 85.0 88.0 84.5
24 Great Amer P&C Group 60.8 67.3 69.1 29.6
25 Allmerica Finl P & C Cos 73.7 76.7 67.6 46.6
Top 25 P/C Cos 67.5 73.2 72.7 48.8
Total U.S. P/C Cos 67.8 73.0 72.3 35.3
(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 Statement Products: State/Line. For more information
about custom data, call (908) 439-2200, ext. 5383.
Auto Liability, Top Writers-2002
Rank is based on 202 direct premiums written.
($ Thousands)
2002 Direct %
Premiums Change in
Rank Company/Group AMB # Written Premiums
1 State Farm Group 00088 $16,405,461 14.1
2 Allstate Ins Group 00008 9,118,159 6.1
3 Progressive Group 00780 5,945,250 33.7
4 Zurich/Farmers Group 18549 5,740,459 6.6
5 Nationwide Group 05987 4,542,572 7.6
6 Berkshire Hathaway 00811 4,368,583 14.8
7 Travelers P C Group 18358 2,831,035 10.8
8 USAA Group 04080 2,800,451 15.9
9 Amer Intl Group 18540 2,693,151 22.5
10 Liberty Mutual Ins Cos 00060 2,686,598 16.9
11 Hartford Ins Group 00048 1,859,735 10.2
12 Amer Family Ins Group 00124 1,673,595 16.1
13 CNA Ins Cos 18313 1,489,775 -4.8
14 Safeco Ins Cos 00078 1,419,116 11.6
15 MetLife Auto & Home Group 18552 1,228,269 13.5
16 Erie Ins Group 04283 1,122,103 19.8
17 Mercury Gen Group 04524 1,033,142 30.9
18 Prudential of America Group 03905 994,589 10.7
19 Great Amer P&C Group 04835 941,453 -0.8
20 Auto-Owners Ins Group 04354 927,695 22.9
21 St Paul Cos 00080 927,342 -5.5
22 Calif State Auto Group 18460 875,039 8.0
23 Auto Club So Calif Group 18515 845,255 17.3
24 White Mtns Ins Group 18490 821,847 -18.5
25 GMAC Ins Group 18431 814,876 8.4
Top 25 P/C Cos $74,105,547 12.4
Total U.S. P/C Cos $103,029,782 11.8
Market Share (%)
Rank Company/Group 2002 2001 2000
1 State Farm Group 15.9 15.6 14.9
2 Allstate Ins Group 8.9 9.3 9.8
3 Progressive Group 5.8 4.8 4.5
4 Zurich/Farmers Group 5.6 5.8 5.8
5 Nationwide Group 4.4 4.6 4.5
6 Berkshire Hathaway 4.2 4.1 4.1
7 Travelers P C Group 2.7 2.8 2.8
8 USAA Group 2.7 2.6 2.6
9 Amer Intl Group 2.6 2.4 2.2
10 Liberty Mutual Ins Cos 2.6 2.5 2.8
11 Hartford Ins Group 1.8 1.8 1.8
12 Amer Family Ins Group 1.6 1.6 1.6
13 CNA Ins Cos 1.4 1.7 1.8
14 Safeco Ins Cos 1.4 1.4 1.5
15 MetLife Auto & Home Group 1.2 1.2 1.1
16 Erie Ins Group 1.1 1.0 1.0
17 Mercury Gen Group 1.0 0.9 0.8
18 Prudential of America Group 1.0 1.0 1.0
19 Great Amer P&C Group 0.9 1.0 1.2
20 Auto-Owners Ins Group 0.9 0.8 0.8
21 St Paul Cos 0.9 1.1 1.0
22 Calif State Auto Group 0.8 0.9 1.0
23 Auto Club So Calif Group 0.8 0.8 0.8
24 White Mtns Ins Group 0.8 1.1 1.5
25 GMAC Ins Group 0.8 0.8 0.8
Top 25 P/C Cos 71.9 71.5 71.8
Total U.S. P/C Cos 100.0 100.0 100.0
Adjusted
Loss Ratios (1) % of
Company
Rank Company/Group 2002 2001 2000 Premiums
1 State Farm Group 81.6 89.4 81.3 38.7
2 Allstate Ins Group 70.0 69.4 71.4 41.6
3 Progressive Group 58.9 60.6 74.1 61.5
4 Zurich/Farmers Group 58.6 66.3 74.5 23.2
5 Nationwide Group 59.5 69.0 72.1 37.2
6 Berkshire Hathaway 73.0 75.3 83.4 49.9
7 Travelers P C Group 75.4 81.9 77.1 21.2
8 USAA Group 77.3 79.5 85.2 39.7
9 Amer Intl Group 83.6 78.3 81.6 12.6
10 Liberty Mutual Ins Cos 76.6 87.7 84.4 22.8
11 Hartford Ins Group 67.2 68.1 68.3 20.6
12 Amer Family Ins Group 73.8 70.9 68.3 34.1
13 CNA Ins Cos 40.9 136.6 75.3 12.5
14 Safeco Ins Cos 71.4 72.1 79.1 30.7
15 MetLife Auto & Home Group 69.0 69.3 67.9 42.0
16 Erie Ins Group 99.1 81.4 71.5 35.6
17 Mercury Gen Group 60.4 60.4 59.4 55.5
18 Prudential of America Group 76.1 67.7 56.6 47.4
19 Great Amer P&C Group 64.1 65.8 70.1 23.6
20 Auto-Owners Ins Group 77.7 77.9 67.4 27.8
21 St Paul Cos 76.4 81.1 70.8 14.1
22 Calif State Auto Group 69.5 71.7 70.2 46.3
23 Auto Club So Calif Group 68.4 70.0 73.8 49.3
24 White Mtns Ins Group 84.3 88.6 93.9 30.4
25 GMAC Ins Group 87.8 95.0 66.0 34.3
Top 25 P/C Cos 71.8 77.6 76.2 31.4
Total U.S. P/C Cos 72.1 77.5 76.3 25.3
(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 Statement Products: State/Line. For more information
about custom data, call (908) 439-2200, ext. 5383.
Auto Physical Damage, Top Writers--2002
Rank is based on 2002 direct premiums written.
($ Thousands)
2002 Direct %
Premiums Change in
Rank Company/Group AMB # Written Premiums
1 State Farm Group 00088 $12,239,799 9.4
2 Allstate Ins Group 00008 6,716,500 1.7
3 Zurich/Farmers Group 18549 4,029,649 9.7
4 Progressive Group 00780 3,534,242 27.3
5 Nationwide Group 05987 2,766,432 9.8
6 Berkshire Hathaway 00811 2,702,403 12.9
7 USAA Group 04080 2,336,789 10.9
8 Liberty Mutual Ins Cos 00060 1,586,883 13.1
9 Amer Family Ins Group 00124 1,487,140 16.2
10 Travelers P C Group 18358 1,481,253 6.5
11 Amer Intl Group 18540 1,186,544 11.6
12 Hartford Ins Group 00048 1,042,313 6.0
13 Safeco Ins Cos 00078 951,398 7.5
14 MetLife Auto & Home Group 18552 913,397 12.6
15 Erie Ins Group 04283 803,991 21.8
16 Calif State Auto Group 18460 755,997 6.9
17 Auto-Owners Ins Group 04354 754,015 21.0
18 GMAC Ins Group 18431 708,514 8.8
19 CNA Ins Cos 18313 690,524 -3.8
20 Mercury Gen Group 04524 684,186 24.7
21 Auto Club So Calif Group 18515 680,753 14.2
22 Auto Club Group 00312 667,479 11.6
23 Allmerica Finl P&C Cos 04861 595,690 1.2
24 Great Amer P&C Group 04835 581,025 0.1
25 Prudential of America Group 03905 580,529 7.4
Top 25 P/C Cos $50,477,444 10.0
Total U.S. P/C Cos $67,801,979 9.0
Market Share (%)
Rank Company/Group 2002 2001 2000
1 State Farm Group 18.1 18.0 17.0
2 Allstate Ins Group 9.9 10.6 11.3
3 Zurich/Farmers Group 5.9 5.9 5.9
4 Progressive Group 5.2 4.5 4.4
5 Nationwide Group 4.1 4.1 4.0
6 Berkshire Hathaway 4.0 3.8 3.9
7 USAA Group 3.4 3.4 3.3
8 Liberty Mutual Ins Cos 2.3 2.3 2.3
9 Amer Family Ins Group 2.2 2.1 2.0
10 Travelers P C Group 2.2 2.2 2.3
11 Amer Intl Group 1.8 1.7 1.7
12 Hartford Ins Group 1.5 1.6 1.6
13 Safeco Ins Cos 1.4 1.4 1.5
14 MetLife Auto & Home Group 1.3 1.3 1.2
15 Erie Ins Group 1.2 1.1 1.0
16 Calif State Auto Group 1.1 1.1 1.2
17 Auto-Owners Ins Group 1.1 1.0 0.9
18 GMAC Ins Group 1.0 1.0 1.1
19 CNA Ins Cos 1.0 1.2 1.3
20 Mercury Gen Group 1.0 0.9 0.9
21 Auto Club So Calif Group 1.0 1.0 1.0
22 Auto Club Group 1.0 1.0 1.0
23 Allmerica Finl P&C Cos 0.9 0.9 1.0
24 Great Amer P&C Group 0.9 0.9 1.0
25 Prudential of America Group 0.9 0.9 0.9
Top 25 P/C Cos 74.4 73.8 73.6
Total U.S. P/C Cos 100.0 100.0 100.0
Adjusted
Loss Ratios (1) % of
Company
Rank Company/Group 2002 2001 2000 Premiums
1 State Farm Group 72.4 77.8 78.8 28.9
2 Allstate Ins Group 53.8 59.1 57.7 30.7
3 Zurich/Farmers Group 59.2 71.4 70.0 16.3
4 Progressive Group 56.4 58.2 63.4 36.6
5 Nationwide Group 59.3 67.4 73.7 22.7
6 Berkshire Hathaway 58.8 65.6 70.2 30.9
7 USAA Group 64.4 67.7 66.0 33.1
8 Liberty Mutual Ins Cos 54.0 63.7 65.9 13.5
9 Amer Family Ins Group 59.7 70.2 72.6 30.3
10 Travelers P C Group 54.4 61.7 63.8 11.1
11 Amer Intl Group 58.2 70.7 71.4 5.5
12 Hartford Ins Group 55.7 65.2 66.6 11.6
13 Safeco Ins Cos 54.4 62.8 67.2 20.6
14 MetLife Auto & Home Group 55.6 63.6 65.9 31.3
15 Erie Ins Group 62.9 63.9 62.3 25.5
16 Calif State Auto Group 67.3 71.5 77.4 40.0
17 Auto-Owners Ins Group 64.4 70.3 73.1 22.6
18 GMAC Ins Group 60.0 65.9 61.7 29.8
19 CNA Ins Cos 52.8 58.2 78.7 5.8
20 Mercury Gen Group 62.8 62.1 59.1 36.7
21 Auto Club So Calif Group 71.1 75.7 70.3 39.7
22 Auto Club Group 67.8 70.7 69.5 47.6
23 Allmerica Finl P&C Cos 61.5 66.5 65.1 24.0
24 Great Amer P&C Group 53.8 64.8 66.2 14.6
25 Prudential of America Group 56.2 62.7 58.3 27.6
Top 25 P/C Cos 61.6 67.9 69.0 21.9
Total U.S. P/C Cos 60.8 67.3 68.4 16.7
(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 Statement Products: State/Line. For more information
custom data, call (908) 439-2200, ext. 5383.
Commercial Auto, Top Writers--2002
Rank is based on 2002 direct premiums written.
($ Thousands)
2002 Direct %
Premiums Change in
Rank Company/Group AMB # Written Premiums
1 Zurich/Farmers Group 18549 $1,887,482 16.1
2 Travelers P C Group 18358 1,486,566 13.1
3 Progressive Group 00780 1,179,397 40.2
4 St Paul Cos 00080 1,129,789 2.4
5 CNA Ins Cos 18313 947,044 -7.7
6 Amer Intl Group Inc 18540 946,969 31.5
7 Liberty Mutual Ins Cos 00060 946,685 25.9
8 State Farm Group 00088 889,813 13.2
9 Nationwide Group 05987 693,184 15.7
10 Auto-Owners Ins Group 04354 599,027 20.6
11 Hartford Ins Group 00048 584,071 21.1
12 Old Republic Gen Group 00734 558,346 10.6
13 Allstate Ins Group 00008 527,276 8.8
14 Kemper Ins Cos 04427 512,052 15.2
15 Cincinnati Ins Cos 04294 431,077 3.5
16 Winterthur Swiss Group 05658 422,245 19.7
17 W R Berkley Group 04655 413,976 39.7
18 HDI U S Group 18492 411,878 21.7
19 Kingsway Amer Group 18442 408,714 182.6
20 Safeco Ins Cos 00078 348,016 -55.0
21 Great Amer P & C Group 04835 341,801 21.6
22 Allianz of America 18429 341,201 -13.0
23 Sentry Ins Group 00086 334,136 56.1
24 Royal & SunAlliance 18371 333,077 3.6
25 Canal Group 03930 325,904 39.4
Top 25 P/C Cos $16,999,726 16.9
Total U.S. P/C Cos $27,078,210 13.3
Market Share (%)
Rank Company/Group 2002 2001 2000
1 Zurich/Farmers Group 7.0 6.8 6.3
2 Travelers P C Group 5.5 5.5 6.0
3 Progressive Group 4.4 3.5 2.8
4 St Paul Cos 4.2 4.6 3.8
5 CNA Ins Cos 3.5 4.3 4.6
6 Amer Intl Group Inc 3.5 3.0 2.5
7 Liberty Mutual Ins Cos 3.5 3.1 4.1
8 State Farm Group 3.3 3.3 3.3
9 Nationwide Group 2.6 2.5 2.5
10 Auto-Owners Ins Group 2.2 2.1 2.0
11 Hartford Ins Group 2.2 2.0 2.1
12 Old Republic Gen Group 2.1 2.1 2.2
13 Allstate Ins Group 1.9 2.0 2.1
14 Kemper Ins Cos 1.9 1.9 1.3
15 Cincinnati Ins Cos 1.6 1.7 1.3
16 Winterthur Swiss Group 1.6 1.5 1.4
17 W R Berkley Group 1.5 1.2 1.1
18 HDI U S Group 1.5 1.4 0.9
19 Kingsway Amer Group 1.5 0.6 0.5
20 Safeco Ins Cos 1.3 1.5 2.0
21 Great Amer P & C Group 1.3 1.2 1.1
22 Allianz of America 1.3 1.6 1.2
23 Sentry Ins Group 1.2 0.9 0.8
24 Royal & SunAlliance 1.2 1.3 1.7
25 Canal Group 1.2 1.0 0.8
Top 25 P/C Cos 62.8 60.9 58.5
Total U.S. P/C Cos 100.0 100.0 100.0
Adjusted
Loss Ratios (1) % of
Company
Rank Company/Group 2002 2001 2000 Premiums
1 Zurich/Farmers Group 66.7 73.9 76.7 7.6
2 Travelers P C Group 66.1 80.6 73.6 11.1
3 Progressive Group 60.5 59.0 60.6 12.2
4 St Paul Cos 63.4 75.6 65.6 17.2
5 CNA Ins Cos 62.3 110.8 83.7 7.9
6 Amer Intl Group Inc 109.9 58.9 97.7 4.4
7 Liberty Mutual Ins Cos 71.3 99.5 105.2 8.1
8 State Farm Group 66.4 74.9 70.2 2.1
9 Nationwide Group 61.5 70.0 75.8 5.7
10 Auto-Owners Ins Group 67.1 71.2 72.0 17.9
11 Hartford Ins Group 46.6 55.8 71.5 6.5
12 Old Republic Gen Group 69.3 68.0 80.1 28.0
13 Allstate Ins Group 64.0 70.8 68.2 2.4
14 Kemper Ins Cos 71.8 74.0 74.3 11.4
15 Cincinnati Ins Cos 56.8 73.0 109.5 14.9
16 Winterthur Swiss Group 60.4 66.5 70.2 21.6
17 W R Berkley Group 53.5 58.1 76.9 17.6
18 HDI U S Group 61.4 106.4 83.7 16.4
19 Kingsway Amer Group 61.3 62.4 61.9 42.7
20 Safeco Ins Cos 57.6 75.3 76.5 7.5
21 Great Amer P & C Group 58.1 55.6 66.3 8.6
22 Allianz of America 86.4 76.3 94.2 7.1
23 Sentry Ins Group 88.1 73.1 79.9 20.1
24 Royal & SunAlliance 79.7 91.0 77.6 6.4
25 Canal Group 62.4 53.9 72.6 80.3
Top 25 P/C Cos 67.3 75.7 78.3 7.5
Total U.S. P/C Cos 66.4 75.4 78.2 6.7
(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 Statement Products: State/Line. For more information
about custom data, call (908) 439-2200, ext. 5383.
Total All Auto Lines, Top Writers by State-2202
Rank is based on 2002 direct premiums written.
($ Thousands)
No. Direct % of
of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 25 492 $2,365,861 1.4 5.0
Alaska 47 305 378,209 0.2 13.9
Ariz. 19 545 3,233,943 1.9 10.6
Ark. 31 484 1,531,493 0.9 10.8
Calif. 1 557 19,353,195 11.3 13.0
Colo. 16 502 3,326,961 1.9 14.8
Conn. 24 419 2,604,210 1.5 9.2
Del. 44 406 600,102 0.4 8.8
D.C. 51 332 256,522 0.2 9.0
Fla. 4 596 11,297,692 6.6 13.8
Ga. 10 597 5,069,024 3.0 6.5
Hawaii 43 248 607,940 0.4 7.3
Idaho 42 428 663,923 0.4 10.0
Ill. 7 640 6,520,932 3.8 10.6
Ind. 18 611 3,265,199 1.9 6.5
Iowa 32 527 1,521,135 0.9 10.4
Kan. 30 493 1,546,942 0.9 8.3
Ky. 27 509 2,271,007 1.3 10.1
La. 22 491 2,992,269 1.8 12.9
Maine 41 329 692,156 0.4 11.7
Md. 14 504 3,632,971 2.1 11.8
Mass. 11 316 4,764,368 2.8 6.9
Mich. 8 474 6,442,766 3.8 12.5
Minn. 17 497 3,298,366 1.9 11.4
Miss. 33 493 1,428,253 0.8 7.2
Mo. 20 561 3,135,455 1.8 9.1
Mont. 45 403 547,878 0.3 12.2
Neb. 37 470 997,797 0.6 10.6
Nev. 34 460 1,405,047 0.8 8.5
N.H. 39 330 758,555 0.4 8.6
N.J. 6 433 6,862,307 4.0 11.3
N.M. 38 428 980,624 0.6 9.3
N.Y. 3 523 11,937,657 7.0 10.7
N.C. 12 473 4,491,446 2.6 8.3
N.D. 48 415 362,733 0.2 10.6
Ohio 9 620 5,964,479 3.5 6.9
Okla. 29 505 1,921,881 1.1 10.5
Ore. 28 502 1,974,671 1.2 7.7
Pa. 5 583 7,535,904 4.4 10.3
R.I. 40 362 718,919 0.4 10.0
S.C. 26 481 2,362,127 1.4 9.1
S.D. 46 434 412,738 0.2 10.0
Tenn. 21 586 2,996,712 1.8 10.7
Texas 2 600 12,526,282 7.3 13.7
Utah 35 459 1,187,111 0.7 10.4
Vt. 49 325 351,125 0.2 11.0
Va. 13 530 4,057,473 2.4 9.6
Wash. 15 502 3,557,676 2.1 7.6
W.Va. 36 411 1,124,173 0.7 11.7
Wis. 23 576 2,688,363 1.6 9.2
Wyo. 50 364 307,188 0.2 12.7
U.S. Total 1538 $170,831,761 100.0 10.6
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 65.4 2.3 35.5 64.5
Alaska 67.6 3.8 28.2 71.8
Ariz. 68.1 2.4 30.8 69.2
Ark. 67.3 1.8 31.0 69.0
Calif. 65.6 3.5 40.3 59.7
Colo. 74.3 2.7 28.0 72.0
Conn. 61.7 3.2 50.3 49.7
Del. 69.2 3.5 37.0 63.0
D.C. 65.1 3.2 29.9 70.1
Fla. 73.9 4.5 36.3 63.7
Ga. 61.9 1.4 40.7 59.3
Hawaii 57.8 3.6 51.8 48.2
Idaho 61.2 2.3 36.8 63.2
Ill. 65.2 3.4 33.3 66.7
Ind. 61.3 3.0 43.8 56.2
Iowa 61.2 2.1 47.2 52.8
Kan. 59.1 1.2 29.8 70.2
Ky. 73.7 2.6 39.8 60.2
La. 72.7 5.2 35.5 64.5
Maine 59.7 1.4 58.6 41.4
Md. 71.0 1.8 36.9 63.1
Mass. 69.5 3.2 79.9 20.1
Mich. 83.6 4.0 41.4 58.6
Minn. 60.2 2.6 36.8 63.2
Miss. 70.1 2.7 34.5 65.5
Mo. 64.6 2.0 33.5 66.5
Mont. 64.4 2.7 43.0 57.0
Neb. 67.4 1.5 38.7 61.3
Nev. 68.8 3.5 31.0 69.0
N.H. 63.1 2.4 44.0 56.0
N.J. 64.7 6.9 40.5 59.5
N.M. 62.0 1.9 34.8 65.2
N.Y. 71.8 5.7 46.0 54.0
N.C. 62.4 0.9 38.0 62.0
N.D. 58.4 1.5 50.1 49.9
Ohio 64.9 2.3 53.5 46.5
Okla. 64.9 2.4 34.2 65.8
Ore. 65.8 2.7 35.7 64.3
Pa. 69.9 3.1 49.1 50.9
R.I. 68.9 2.4 46.9 53.1
S.C. 65.5 2.1 30.5 69.5
S.D. 59.7 2.1 50.5 49.5
Tenn. 65.8 2.5 34.7 65.3
Texas 67.0 2.6 32.7 67.3
Utah 63.9 1.8 30.3 69.7
Vt. 62.4 2.1 52.3 47.7
Va. 64.9 1.8 32.9 67.1
Wash. 68.5 3.4 45.8 54.2
W.Va. 71.3 2.6 35.8 64.2
Wis. 63.6 2.3 48.2 51.8
Wyo. 71.2 1.7 38.7 61.3
U.S. Total 67.6 3.2 40.4 59.6
%
Market
State Leading Writer Share
Ala. State Farm Group 21.3
Alaska State Farm Group 23.3
Ariz. State Farm Group 16.5
Ark. State Farm Group 20.7
Calif. State Farm Group 12.4
Colo. State Farm Group 21.2
Conn. Allstate Ins Group 10.1
Del. Nationwide Group 19.8
D.C. Berkshire Hathaway 27.2
Fla. State Farm Group 21.5
Ga. State Farm Group 22.1
Hawaii State Farm Group 15.6
Idaho State Farm Group 14.5
Ill. State Farm Group 27.2
Ind. State Farm Group 19.3
Iowa State Farm Group 16.8
Kan. State Farm Group 18.7
Ky. Ky F B Group 17.0
La. State Farm Group 30.9
Maine State Farm Group 10.2
Md. State Farm Group 17.2
Mass. Commerce Group Inc 23.2
Mich. Auto Club Group 17.6
Minn. State Farm Group 20.5
Miss. State Farm Group 23.3
Mo. State Farm Group 20.4
Mont. State Farm Group 19.6
Neb. State Farm Group 20.8
Nev. State Farm Group 14.5
N.H. Liberty Mutual Ins Cos 11.7
N.J. State Farm Group 12.7
N.M. State Farm Group 20.3
N.Y. Allstate Ins Group 14.5
N.C. Nationwide Group 17.4
N.D. State Farm Group 12.7
Ohio State Farm Group 16.7
Okla. State Farm Group 19.0
Ore. State Farm Group 18.6
Pa. State Farm Group 16.2
R.I. Progressive Group 10.2
S.C. State Farm Group 25.7
S.D. State Farm Group 15.6
Tenn. State Farm Group 20.6
Texas State Farm Group 20.0
Utah State Farm Group 17.6
Vt. Progressive Group 9.9
Va. State Farm Group 15.5
Wash. State Farm Group 13.9
W.Va. State Farm Group 28.1
Wis. Amer Family Ins Group 21.3
Wyo. State Farm Group 21.7
U.S. Total State Farm Group 16.8
%
Market
State Second Leader Share
Ala. Alfa Ins Group 15.2
Alaska Allstate Ins Group 18.6
Ariz. Zurich/Farmers Group 13.6
Ark. Southern F B Group 14.2
Calif. Zurich/Farmers Group 10.9
Colo. Zurich/Farmers Group 14.1
Conn. Berkshire Hathaway 7.8
Del. State Farm Group 18.6
D.C. State Farm Group 18.9
Fla. Allstate Ins Group 13.4
Ga. Progressive Group 9.5
Hawaii Berkshire Hathaway 14.5
Idaho Zurich/Farmers Group 13.1
Ill. Allstate Ins Group 9.2
Ind. United F B of Ind Group 8.0
Iowa Nationwide Group 10.0
Kan. Amer Family Ins Group 12.4
Ky. State Farm Group 16.8
La. Allstate Ins Group 11.5
Maine White Mtns Ins Group 9.9
Md. Berkshire Hathaway 13.5
Mass. Arbella Ins Group 11.1
Mich. State Farm Group 17.0
Minn. Amer Family Ins Group 11.5
Miss. Southern F B Group 12.2
Mo. Amer Family Ins Group 15.1
Mont. Zurich/Farmers Group 12.3
Neb. Amer Family Ins Group 8.5
Nev. Zurich/Farmers Group 14.3
N.H. State Farm Group 11.4
N.J. NJM Ins Group 10.7
N.M. Zurich/Farmers Group 15.0
N.Y. State Farm Group 11.2
N.C. State Farm Group 12.5
N.D. Amer Family Ins Group 10.1
Ohio Progressive Group 10.2
Okla. Zurich/Farmers Group 17.0
Ore. Zurich/Farmers Group 15.8
Pa. Erie Ins Group 13.2
R.I. MetLife Auto & Home Group 9.7
S.C. Allstate Ins Group 12.9
S.D. Amer Family Ins Group 11.5
Tenn. Tenn Farmers Cos 14.5
Texas Allstate Ins Group 14.2
Utah Allstate Ins Group 15.3
Vt. Allstate Ins Group 9.7
Va. Berkshire Hathaway 10.5
Wash. Zurich/Farmers Group 12.8
W.Va. Nationwide Group 18.7
Wis. State Farm Group 11.2
Wyo. Zurich/Farmers Groin 11.9
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) 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.
All Private-Passenger Auto, Top Writers by State-2002
Rank is based on 2002 direct premiums written.
($ Thousands)
No. Direct % of
of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 26 293 $1,933,063 1.3 3.6
Alaska 47 153 318,476 0.2 11.9
Ariz. 17 347 2,825,386 2.0 10.6
Ark. 31 280 1,241,035 0.9 9.1
Calif. 1 380 16,625,410 11.6 12.5
Colo. 16 312 2,891,958 2.0 15.1
Conn. 23 273 2,215,047 1.5 8.9
Del. 44 213 497,407 0.3 9.1
D.C. 51 185 220,604 0.2 6.8
Fla. 4 409 9,724,331 6.8 14.7
Ga. 10 381 4,283,533 3.0 5.7
Hawaii 43 129 509,200 0.4 6.7
Idaho 42 248 536,342 0.4 8.5
Ill. 8 426 5,340,780 3.7 9.7
Ind. 19 400 2,653,808 1.8 5.6
Iowa 33 321 1,195,348 0.8 9.9
Kan. 30 303 1,271,981 0.9 6.9
Ky. 27 318 1,908,026 1.3 9.6
La. 21 303 2,476,827 1.7 11.8
Maine 41 203 556,267 0.4 10.6
Md. 14 293 3,139,791 2.2 11.3
Mass. 11 165 4,010,639 2.8 6.9
Mich. 7 276 5,617,399 3.9 13.9
Minn. 18 315 2,756,796 1.9 10.2
Miss. 34 298 1,140,302 0.8 5.3
Mo. 20 362 2,601,668 1.8 8.8
Mont. 45 225 423,042 0.3 12.0
Neb. 38 280 787,319 0.5 8.8
Nev. 32 256 1,223,421 0.9 8.1
N.H. 39 209 642,228 0.4 9.6
N.J. 6 257 5,674,803 3.9 10.5
N.M. 37 250 830,585 0.6 8.2
N.Y. 3 357 9,913,652 6.9 9.9
N.C. 12 282 3,728,961 2.6 7.5
N.D. 49 239 285,533 0.2 11.0
Ohio 9 420 5,004,802 3.5 6.2
Okla. 29 287 1,575,102 1.1 8.9
Ore. 28 299 1,671,004 1.2 6.8
Pa. 5 385 6,305,916 4.4 9.7
R.I. 40 224 623,551 0.4 9.9
S.C. 25 270 2,006,873 1.4 8.6
S.D. 46 249 321,792 0.2 9.2
Tenn. 22 369 2,445,816 1.7 10.6
Texas 2 393 10,610,334 7.4 13.4
Utah 35 285 997,045 0.7 10.4
Vt. 48 198 288,405 0.2 10.9
Va. 13 343 3,444,350 2.4 7.8
Wash. 15 310 3,093,548 2.2 6.9
W.Va. 36 229 960,102 0.7 10.0
Wis. 24 372 2,160,394 1.5 7.9
Wyo. 50 199 243,549 0.2 11.1
U.S. Total 1274 $143,753,551 100.0 10.2
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 64.3 1.7 27.2 72.8
Alaska 69.4 3.3 21.5 78.5
Ariz. 68.5 2.1 25.5 74.5
Ark. 67.5 1.1 21.6 78.4
Calif. 66.3 3.1 35.1 64.9
Colo. 75.9 2.5 22.2 77.8
Conn. 61.7 2.9 46.0 54.0
Del. 70.1 3.3 29.2 70.8
D.C. 66.0 2.2 21.3 78.7
Fla. 72.7 3.9 30.9 69.1
Ga. 60.8 0.9 34.8 65.2
Hawaii 60.4 3.6 43.7 56.3
Idaho 61.2 2.0 28.0 72.0
Ill. 64.9 2.9 24.7 75.3
Ind. 62.5 2.7 37.2 62.8
Iowa 62.1 1.8 38.8 61.2
Kan. 61.3 1.1 21.8 78.2
Ky. 73.4 2.1 33.8 66.2
La. 72.9 4.3 27.6 72.4
Maine 61.4 1.5 54.9 45.1
Md. 71.8 1.6 30.9 69.1
Mass. 72.5 3.1 77.7 22.3
Mich. 86.4 4.0 36.4 63.6
Minn. 60.7 2.4 29.4 70.6
Miss. 67.0 1.8 25.9 74.1
Mo. 63.8 1.5 26.7 73.3
Mont. 67.4 2.6 32.6 67.4
Neb. 68.8 1.2 29.0 71.0
Nev. 67.2 2.9 25.7 74.3
N.H. 64.3 2.3 39.8 60.2
N.J. 63.4 6.9 33.4 66.6
N.M. 63.2 1.6 28.6 71.4
N.Y. 71.6 5.0 39.2 60.8
N.C. 63.1 0.4 31.1 68.9
N.D. 59.8 1.4 43.1 56.9
Ohio 62.5 1.6 48.4 51.6
Okla. 64.2 2.0 25.4 74.6
Ore. 67.9 2.6 29.5 70.5
Pa. 70.2 2.8 43.8 56.2
R.I. 69.1 2.3 41.5 58.5
S.C. 65.5 1.7 23.1 76.9
S.D. 61.9 2.1 43.7 56.3
Tenn. 65.9 2.0 25.4 74.6
Texas 67.0 2.0 25.6 74.4
Utah 64.0 1.6 23.2 76.8
Vt. 62.8 1.6 48.8 51.2
Va. 65.6 1.6 26.7 73.3
Wash. 68.0 3.2 41.7 58.3
W.Va. 72.0 2.4 29.9 70.1
Wis. 64.5 2.5 41.2 58.8
Wyo. 73.4 1.5 30.1 69.9
U.S. Total 67.8 2.8 34.2 65.8
%
Market
State Leading Writer Share
Ala. State Farm Group 25.2
Alaska State Farm Group 26.0
Ariz. State Farm Group 18.3
Ark. State Farm Group 24.6
Calif. State Farm Group 13.8
Colo. State Farm Group 23.6
Conn. Allstate Ins Group 11.6
Del. Nationwide Group 22.9
D.C. Berkshire Hathaway 31.3
Fla. State Farm Group 24.3
Ga. State Farm Group 25.5
Hawaii State Farm Group 18.3
Idaho State Farm Group 17.0
Ill. State Farm Group 32.3
Ind. State Farm Group 23.1
Iowa State Farm Group 20.5
Kan. State Farm Group 21.8
Ky. Ky F B Group 19.8
La. State Farm Group 36.3
Maine State Farm Group 12.1
Md. State Farm Group 19.5
Mass. Commerce Group Inc 25.7
Mich. Auto Club Group 20.1
Minn. State Farm Group 23.4
Miss. State Farm Group 28.3
Mo. State Farm Group 23.6
Mont. State Farm Group 24.2
Neb. State Farm Group 25.4
Nev. State Farm Group 16.2
N.H. State Farm Group 12.9
N.J. State Farm Group 15.1
N.M. State Farm Group 23.2
N.Y. Allstate Ins Group 16.6
N.C. Nationwide Group 20.1
N.D. State Farm Group 15.2
Ohio State Farm Group 19.4
Okla. State Farm Group 22.4
Ore. State Farm Group 21.1
Pa. State Farm Group 18.9
R.I. MetLife Auto & Home 11.2
S.C. State Farm Group 29.3
S.D. State Farm Group 18.8
Tenn. State Farm Group 24.6
Texas State Farm Group 23.0
Utah State Farm Grout 20.1
Vt. Allstate Ins Group 11.5
Va. State Farm Group 17.8
Wash. State Farm Group 15.4
W.Va. State Farm Group 32.0
Wis. Amer Family Ins Group 26.2
Wyo. State Farm Grout 25.9
U.S. Total State Farm Group 19.3
%
Market
State Second Leader Share
Ala. Alfa Ins Group 18.6
Alaska Allstate Ins Group 21.2
Ariz. Zurich/Farmers Group 14.0
Ark. Southern F B Group 16.8
Calif. Zurich/Farmers Group 11.4
Colo. Zurich/Farmers Group 14.7
Conn. Berkshire Hathaway 9.0
Del. State Farm Group 21.9
D.C. State Farm Group 21.7
Fla. Allstate Ins Group 14.6
Ga. Allstate Ins Group 10.6
Hawaii Berkshire Hathaway 17.3
Idaho Zurich/Farmers Group 14.8
Ill. Allstate Ins Group 11.1
Ind. United F B of Ind Group 9.3
Iowa Nationwide Group 11.3
Kan. Amer Family Ins Group 14.9
Ky. State Farm Group 19.4
La. Allstate Ins Group 13.3
Maine Allstate Ins Group 9.6
Md. Berkshire Hathaway 15.5
Mass. Arbella Ins Group 10.6
Mich. State Farm Group 18.7
Minn. Amer Family Ins Group 13.6
Miss. Southern F B Group 15.0
Mo. Amer Family Ins Group 17.9
Mont. Zurich/Farmers Group 14.4
Neb. Amer Family Ins Group 10.7
Nev. Allstate Ins Group 14.2
N.H. Liberty Mutual Ins Cos 11.4
N.J. Allstate Ins Group 12.3
N.M. Zurich/Farmers Group 16.4
N.Y. State Farm Group 13.2
N.C. State Farm Group 14.4
N.D. Nodak Mutual Group 12.7
Ohio Progressive Group 11.3
Okla. Zurich/Farmers Group 19.1
Ore. Zurich/Farmers Group 16.5
Pa. Erie Ins Group 14.0
R.I. Progressive Group 10.1
S.C. Allstate Ins Group 14.9
S.D. Amer Family Ins Group 14.3
Tenn. Tenn Farmers Cos 17.5
Texas Allstate Ins Group 16.2
Utah Allstate Ins Group 17.8
Vt. Progressive Group 10.6
Va. Berkshire Hathaway 12.1
Wash. Zurich/Farmers Group 13.0
W.Va. Nationwide Group 20.2
Wis. State Farm Group 13.3
Wyo. Zurich/Farmers Group 13.3
U.S. Total Allstate Ins Group 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 Statement Products: State/Line. For more
information about custom data, call (908) 439-2200, ext. 5383.
Auto Liability, Top Writers by State--2002
Rank is based on 2002 direct premiums written.
($ Thousands)
No. Direct % of
of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 27 471 $1,322,172 1.3 6.4
Alaska 46 289 232,898 0.2 17.0
Ariz. 20 523 1,847,414 1.8 10.3
Ark. 31 464 876,430 0.9 11.5
Calif. 1 534 11,456,923 11.1 12.5
Colo. 16 484 2,038,124 2.0 20.3
Conn. 23 406 1,676,017 1.6 9.0
Del. 42 385 406,033 0.4 9.5
D.C. 51 319 147,022 0.1 10.1
Fla. 3 577 7,898,760 7.7 17.1
Ga. 11 573 2,690,940 2.6 6.0
Hawaii 41 241 419,619 0.4 4.4
Idaho 44 406 384,945 0.4 11.1
Ill. 7 615 3,644,066 3.5 12.1
Ind. 18 595 1,882,851 1.8 7.6
Iowa 32 503 827,582 0.8 10.4
Kan. 34 472 782,370 0.8 10.6
Ky. 25 485 1,461,305 1.4 11.4
La. 19 470 1,860,345 1.8 15.1
Maine 43 317 400,604 0.4 12.2
Md. 15 474 2,231,228 2.2 12.4
Mass. 9 303 3,106,015 3.0 7.5
Mich. 10 453 3,030,302 2.9 22.8
Minn. 17 480 1,920,357 1.9 11.1
Miss. 33 470 811,692 0.8 9.8
Mo. 21 538 1,759,918 1.7 10.1
Mont. 45 384 304,304 0.3 13.4
Neb. 38 450 536,861 0.5 12.3
Nev. 30 441 911,744 0.9 8.4
N.H. 40 310 422,604 0.4 7.3
N.J. 6 417 4,312,329 4.2 12.8
N.M. 37 403 589,867 0.6 10.0
N.Y. 2 505 8,402,228 8.2 12.3
N.C. 12 446 2,553,490 2.5 6.7
N.D. 49 396 176,323 0.2 8.9
Ohio 8 603 3,591,097 3.5 7.2
Okla. 29 480 1,103,765 1.1 11.2
Ore. 28 481 1,266,276 1.2 10.3
Pa. 5 553 4,675,570 4.5 11.3
R.I. 39 349 479,704 0.5 10.7
S.C. 26 453 1,405,732 1.4 9.5
S.D. 47 413 221,289 0.2 10.6
Tenn. 22 556 1,690,529 1.6 13.1
Texas 4 580 7,322,828 7.1 12.9
Utah 35 439 712,585 0.7 12.0
Vt. 48 308 194,153 0.2 13.5
Va. 13 507 2,471,588 2.4 10.3
Wash. 14 478 2,243,956 2.2 9.3
W.Va. 36 390 691,098 0.7 13.8
Wis. 24 552 1,475,370 1.4 8.7
Wyo. 50 350 158,561 0.2 15.4
U.S. Total 1502 $103,029,782 100.0 11.8
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 70.4 3.9 37.3 62.7
Alaska 71.5 6.0 30.9 69.1
Ariz. 67.6 3.7 33.4 66.6
Ark. 70.3 2.8 34.4 65.6
Calif. 65.5 5.4 42.2 57.8
Colo. 83.4 4.2 30.0 70.0
Conn. 66.2 4.7 51.8 48.2
Del. 74.5 4.8 38.1 61.9
D.C. 66.5 5.3 35.6 64.4
Fla. 79.1 6.2 37.2 62.8
Ga. 69.4 2.6 45.7 54.3
Hawaii 55.7 4.8 53.5 46.5
Idaho 64.9 3.5 39.2 60.8
Ill. 69.2 5.6 36.6 63.4
Ind. 63.6 4.9 46.0 54.0
Iowa 63.8 3.6 49.6 50.4
Kan. 60.5 2.0 33.9 66.1
Ky. 72.2 3.8 40.7 59.3
La. 76.7 7.9 38.9 61.1
Maine 64.0 2.2 61.4 38.6
Md. 72.8 2.7 39.8 60.2
Mass. 69.5 4.3 80.6 19.4
Mich. 105.4 8.3 42.3 57.7
Minn. 60.7 4.3 39.3 60.7
Miss. 76.8 4.2 37.1 62.9
Mo. 68.6 3.2 36.1 63.9
Mont. 71.6 4.4 44.6 55.4
Neb. 71.0 2.5 41.9 58.1
Nev. 72.1 5.0 33.2 66.8
N.H. 68.0 3.9 45.5 54.5
N.J. 79.4 10.7 42.2 57.8
N.M. 65.7 2.8 36.4 63.6
N.Y. 79.8 7.9 47.9 52.1
N.C. 68.2 1.3 40.3 59.7
N.D. 57.1 2.8 53.1 46.9
Ohio 66.8 3.6 54.3 45.7
Okla. 72.8 3.7 36.3 63.7
Ore. 69.2 4.0 37.8 62.2
Pa. 76.0 4.8 50.2 49.8
R.I. 78.2 3.3 49.3 50.7
S.C. 69.2 3.0 32.0 68.0
S.D. 57.4 3.7 52.8 47.2
Tenn. 66.7 4.1 37.8 62.2
Texas 68.7 3.7 35.1 64.9
Utah 67.0 2.8 32.9 67.1
Vt. 67.6 3.4 53.8 46.2
Va. 65.4 2.8 34.6 65.4
Wash. 73.4 5.0 46.8 53.2
W.Va. 72.7 4.0 37.5 62.5
Wis. 68.7 3.9 51.0 49.0
Wyo. 78.3 3.0 42.2 57.8
U.S. Total 72.1 5.0 42.6 57.4
%
Market
State Leading Writer Share
Ala. State Farm Group 20.6
Alaska State Farm Group 22.1
Ariz. State Farm Group 16.2
Ark. State Farm Group 19.1
Calif. State Farm Group 12.3
Colo. State Farm Group 19.6
Conn. Allstate Ins Group 9.0
Del. Nationwide Group 20.4
D.C. Berkshire Hathaway 24.5
Fla. State Farm Group 21.8
Ga. State Farm Group 18.5
Hawaii State Farm Group 15.7
Idaho State Farm Group 14.3
Ill. State Farm Group 25.2
Ind. State Farm Group 18.2
Iowa State Farm Group 15.4
Kan. State Farm Group 17.4
Ky. Ky F B Group 16.5
La. State Farm Group 29.4
Maine White Mtns Ins Group 10.1
Md. State Farm Group 16.0
Mass. Commerce Group Inc 22.8
Mich. State Farm Group 17.1
Minn. State Farm Group 19.3
Miss. State Farm Group 21.3
Mo. State Farm Group 19.2
Mont. State Farm Group 19.1
Neb. State Farm Group 19.5
Nev. Zurich/Farmers Group 14.6
N.H. State Farm Group 12.2
N.J. State Farm Group 11.6
N.M. State Farm Group 20.4
N.Y. Allstate Ins Group 14.2
N.C. Nationwide Group 16.5
N.D. State Farm Group 11.5
Ohio State Farm Group 15.9
Okla. State Farm Group 18.4
Ore. State Farm Group 17.4
Pa. State Farm Group 15.7
R.I. Progressive Group 11.3
S.C. State Farm Group 24.8
S.D. State Farm Group 14.3
Tenn. State Farm Group 19.3
Texas State Farm Group 19.4
Utah State Farm Group 17.1
Vt. Progressive Group 10.9
Va. State Farm Group 13.8
Wash. State Farm Group 13.5
W.Va. State Farm Group 26.2
Wis. Amer Family Ins Group 19.1
Wyo. State Farm Group 20.7
U.S. Total State Farm Group 15.9
%
Market
State Second Leader Share
Ala. Alfa Ins Group 13.6
Alaska Allstate Ins Group 18.4
Ariz. Zurich/Farmers Group 12.9
Ark. Southern F B Group 11.8
Calif. Zurich/Farmers Group 10.8
Colo. Zurich/Farmers Group 13.8
Conn. Progressive Group 8.2
Del. State Farm Group 18.0
D.C. State Farm Group 18.0
Fla. Allstate Ins Group 12.8
Ga. Progressive Group 10.8
Hawaii Berkshire Hathaway 13.9
Idaho Zurich/Farmers Group 12.6
Ill. Allstate Ins Group 7.7
Ind. United F B of Ind Group 7.3
Iowa Nationwide Group 9.9
Kan. Amer Family Ins Group 11.5
Ky. State Farm Group 16.1
La. Allstate Ins Group 10.2
Maine Progressive Group 9.9
Md. Berkshire Hathaway 12.5
Mass. Arbella Ins Group 11.2
Mich. Auto Club Group 16.2
Minn. Amer Family Ins Group 11.1
Miss. Southern F B Group 11.3
Mo. Amer Family Ins Group 13.4
Mont. Zurich/Farmers Group 11.8
Neb. Amer Family Ins Group 7.9
Nev. State Farm Group 14.3
N.H. Liberty Mutual Ins Cos 11.5
N.J. NJM Ins Group 11.3
N.M. Zurich/Farmers Group 14.6
N.Y. State Farm Group 11.1
N.C. State Farm Group 11.6
N.D. Amer Family Ins Group 9.3
Ohio Nationwide Group 10.6
Okla. Zurich/Farmers Group 17.0
Ore. Zurich/Farmers Group 15.4
Pa. Erie Ins Group 12.6
R.I. MetLife Auto & Home Group 9.5
S.C. Allstate Ins Group 11.6
S.D. Amer Family Ins Group 10.3
Tenn. Tenn Farmers Cos 12.8
Texas Allstate Ins Group 13.5
Utah Zurich/Farmers Group 14.9
Vt. Allstate Ins Group 9.5
Va. Nationwide Group 10.8
Wash. Zurich/Farmers Group 13.0
W.Va. Nationwide Group 19.4
Wis. State Farm Group 10.4
Wyo. Zurich/Farmers Group 11.6
U.S. Total Allstate Ins Group 8.9
(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 (ALAS) 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.
Auto Physical Damage, Top Writers by State--2002
Rank is based on 2002 direct premiums written.
($ Thousands)
No. Direct % of
of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 24 453 $1,043,689 1.5 3.4
Alaska 50 261 145,311 0.2 9.3
Ariz. 15 488 1,386,529 2.0 11.1
Ark. 32 443 655,063 1.0 9.8
Calif. 1 494 7,896,272 11.6 13.8
Colo. 21 447 1,288,838 1.9 7.2
Conn. 26 375 928,193 1.4 9.5
Del. 44 349 194,069 0.3 7.4
D.C. 51 275 109,500 0.2 7.7
Fla. 5 537 3,398,932 5.0 6.9
Ga. 9 551 2,378,085 3.5 7.1
Hawaii 46 188 188,321 0.3 14.4
Idaho 41 388 278,978 0.4 8.4
Ill. 6 586 2,876,866 4.2 8.7
Ind. 16 567 1,382,348 2.0 5.1
Iowa 31 473 693,553 1.0 10.3
Kan. 29 442 764,572 1.1 6.1
Ky. 28 455 809,703 1.2 8.0
La. 23 422 1,131,923 1.7 9.3
Maine 40 301 291,553 0.4 11.2
Md. 14 448 1,401,743 2.1 10.9
Mass. 12 265 1,658,353 2.4 5.9
Mich. 4 418 3,412,464 5.0 4.7
Minn. 17 455 1,378,009 2.0 11.8
Miss. 33 444 616,561 0.9 4.0
Mo. 18 509 1,375,536 2.0 7.7
Mont. 42 354 243,573 0.4 10.8
Neb. 36 409 460,936 0.7 8.6
Nev. 34 405 493,303 0.7 8.6
N.H. 39 301 335,951 0.5 10.2
N.J. 8 374 2,549,977 3.8 8.7
N.M. 38 383 390,757 0.6 8.1
N.Y. 3 457 3,535,428 5.2 7.3
N.C. 11 420 1,937,956 2.9 10.5
N.D. 47 356 186,410 0.3 12.3
Ohio 10 556 2,373,382 3.5 6.4
Okla. 27 450 818,117 1.2 9.5
Ore. 30 459 708,395 1.0 3.2
Pa. 7 540 2,860,334 4.2 8.6
R.I. 43 322 239,216 0.4 8.8
S.C. 25 424 956,395 1.4 8.4
S.D. 45 374 191,449 0.3 9.4
Tenn. 20 543 1,306,183 1.9 7.7
Texas 2 520 5,203,454 7.7 14.8
Utah 35 415 474,526 0.7 8.2
Vt. 48 290 156,972 0.2 8.0
Va. 13 487 1,585,885 2.3 8.6
Wash. 19 442 1,313,720 1.9 4.9
W.Va. 37 347 433,076 0.6 8.5
Wis. 22 526 1,212,992 1.8 9.8
Wyo. 49 322 148,628 0.2 9.9
U.S. Total 1468 $67,801,979 100.0 9.0
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 59.3 0.5 33.2 66.8
Alaska 61.3 0.4 23.8 76.2
Ariz. 68.7 0.6 27.5 72.5
Ark. 63.4 0.3 26.4 73.6
Calif. 65.8 0.7 37.5 62.5
Colo. 60.5 0.4 24.8 75.2
Conn. 53.5 0.6 47.5 52.5
Del. 58.3 0.9 34.5 65.5
D.C. 63.3 0.5 22.2 77.8
Fla. 62.2 0.5 34.2 65.8
Ga. 53.4 0.0 35.0 65.0
Hawaii 62.5 0.8 48.0 52.0
Idaho 56.2 0.6 33.6 66.4
Ill. 60.2 0.5 29.2 70.8
Ind. 58.3 0.4 40.8 59.2
Iowa 58.1 0.2 44.3 55.7
Kan. 57.7 0.4 25.7 74.3
Ky. 76.3 0.4 38.2 61.8
La. 66.1 0.8 29.9 70.1
Maine 53.8 0.4 54.6 45.4
Md. 68.2 0.4 32.2 67.8
Mass. 69.6 1.0 78.6 21.4
Mich. 65.2 0.4 40.5 59.5
Minn. 59.5 0.3 33.4 66.6
Miss. 61.4 0.8 31.0 69.0
Mo. 59.7 0.5 30.2 69.8
Mont. 55.6 0.6 40.9 59.1
Neb. 63.2 0.3 35.1 64.9
Nev. 62.6 0.7 27.0 73.0
N.H. 56.9 0.6 42.1 57.9
N.J. 40.5 0.5 37.6 62.4
N.M. 56.6 0.5 32.4 67.6
N.Y. 53.3 0.4 41.5 58.5
N.C. 54.7 0.4 35.0 65.0
N.D. 59.7 0.3 47.2 52.8
Ohio 62.0 0.5 52.2 47.8
Okla. 54.3 0.7 31.3 68.7
Ore. 60.0 0.5 31.8 68.2
Pa. 60.0 0.4 47.3 52.7
R.I. 50.2 0.5 42.3 57.7
S.C. 60.0 0.7 28.2 71.8
S.D. 62.2 0.4 47.8 52.2
Tenn. 64.6 0.4 30.6 69.4
Texas 64.6 1.0 29.3 70.7
Utah 59.4 0.4 26.4 73.6
Vt. 56.1 0.4 50.4 49.6
Va. 64.2 0.3 30.2 69.8
Wash. 60.2 0.6 44.0 56.0
W.Va. 69.2 0.5 33.0 67.0
Wis. 57.4 0.3 44.8 55.2
Wyo. 63.7 0.4 35.0 65.0
U.S. Total 60.8 0.5 37.1 62.9
%
Market
State Leading Writer Share
Ala. State Farm Group 22.3
Alaska State Farm Group 25.3
Ariz. State Farm Group 16.9
Ark. State Farm Group 22.8
Calif. State Farm Group 12.6
Colo. State Farm Group 23.7
Conn. Allstate Ins Group 12.0
Del. State Farm Group 19.8
D.C. Berkshire Hathaway 30.7
Fla. State Farm Group 20.9
Ga. State Farm Group 26.3
Hawaii Berkshire Hathaway 16.0
Idaho State Farm Group 14.8
Ill. State Farm Group 29.7
Ind. State Farm Group 20.9
Iowa State Farm Group 18.5
Kan. State Farm Group 20.0
Ky. Ky F B Group 17.9
La. State Farm Group 33.5
Maine State Farm Group 10.8
Md. State Farm Group 19.3
Mass. Commerce Group Inc 24.0
Mich. Auto Club Group 18.8
Minn. State Farm Group 22.1
Miss. State Farm Group 25.9
Mo. State Farm Group 22.0
Mont. State Farm Group 20.3
Neb. State Farm Group 22.4
Nev. State Farm Group 15.0
N.H. Liberty Mutual Ins Cos 12.1
N.J. State Farm Group 14.5
N.M. State Farm Group 20.2
N.Y. Allstate Ins Group 15.2
N.C. Nationwide Group 18.6
N.D. State Farm Group 13.8
Ohio State Farm Group 18.0
Okla. State Farm Group 19.9
Ore. State Farm Group 20.6
Pa. State Farm Group 17.1
R.I. Allstate Ins Group 10.4
S.C. State Farm Group 26.9
S.D. State Farm Group 17.1
Tenn. State Farm Group 22.4
Texas State Farm Group 20.9
Utah State Farm Group 18.5
Vt. Allstate Ins Group 9.9
Va. State Farm Group 18.1
Wash. State Farm Group 14.6
W.Va. State Farm Group 31.2
Wis. Amer Family Ins Group 23.9
Wyo. State Farm Group 22.8
U.S. Total State Farm Group 18.1
%
Market
State Second Leader Share
Ala. Alfa Ins Group 17.2
Alaska Allstate Ins Group 19.1
Ariz. Zurich/Farmers Group 14.4
Ark. Southern F B Group 17.5
Calif. Zurich/Farmers Group 11.0
Colo. Zurich/Farmers Group 14.7
Conn. Berkshire Hathaway 7.9
Del. Nationwide Group 18.4
D.C. State Farm Group 20.1
Fla. Allstate Ins Group 14.7
Ga. Allstate Ins Group 10.4
Hawaii State Farm Group 15.3
Idaho Zurich/Farmers Group 13.8
Ill. Allstate Ins Group 11.1
Ind. United F B of Ind Group 9.0
Iowa Nationwide Group 10.0
Kan. Amer Family Ins Group 13.4
Ky. State Farm Group 17.9
La. Allstate Ins Group 13.6
Maine Allstate Ins Group 9.6
Md. Berkshire Hathaway 15.1
Mass. Arbella Ins Group 10.9
Mich. State Farm Group 16.9
Minn. Amer Family Ins Group 12.0
Miss. Southern F B Group 13.4
Mo. Amer Family Ins Group 17.2
Mont. Zurich/Farmers Group 12.9
Neb. Amer Family Ins Group 9.2
Nev. Allstate Ins Group 14.9
N.H. State Farm Group 10.4
N.J. Allstate Ins Group 11.0
N.M. Zurich/Farmers Group 15.7
N.Y. Berkshire Hathaway 12.1
N.C. State Farm Group 13.6
N.D. Amer Family Ins Group 11.0
Ohio Progressive Group 10.1
Okla. Zurich/Farmers Group 17.0
Ore. Zurich/Farmers Group 16.4
Pa. Erie Ins Group 14.2
R.I. Amica Mut Group 10.3
S.C. Allstate Ins Group 14.8
S.D. Amer Family Ins Group 12.8
Tenn. Tenn Farmers Cos 16.8
Texas Allstate Ins Group 15.2
Utah Allstate Ins Group 17.8
Vt. Concord Group Ins Cos 8.7
Va. Allstate Ins Group 11.3
Wash. Zurich/Farmers Group 12.4
W.Va. Nationwide Group 17.6
Wis. State Farm Group 12.1
Wyo. Zurich/Farmers Group 12.2
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.
All Commercial Auto, Top Writers by State-2002
Rank is based on 2002 direct premiums written.
($ Thousands)
No. Direct % of
of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 23 388 $432,798 1.6 12.0
Alaska 50 248 59,733 0.2 26.1
Ariz. 24 389 408,557 1.5 11.1
Ark. 31 371 290,458 1.1 18.8
Calif. 1 430 2,727,785 10.1 16.5
Colo. 22 384 435,004 1.6 13.3
Conn. 25 337 389,163 1.4 10.7
Del. 43 330 102,695 0.4 7.5
D.C. 51 265 35,918 0.1 25.1
Fla. 4 437 1,573,361 5.8 9.1
Ga. 10 454 785,491 2.9 10.8
Hawaii 44 212 98,739 0.4 10.1
Idaho 40 328 127,581 0.5 16.7
Ill. 7 491 1,180,153 4.4 14.7
Ind. 14 454 611,391 2.3 10.8
Iowa 29 400 325,787 1.2 11.9
Kan. 33 378 274,961 1.0 15.4
Ky. 26 392 362,982 1.3 13.0
La. 19 376 515,442 1.9 18.2
Maine 39 266 135,889 0.5 16.7
Md. 20 395 493,179 1.8 15.0
Mass. 12 281 753,729 2.8 6.7
Mich. 9 397 825,367 3.0 4.1
Minn. 16 387 541,570 2.0 17.9
Miss. 32 368 287,951 1.1 15.3
Mo. 17 421 533,786 2.0 10.2
Mont. 41 311 124,836 0.5 12.9
Neb. 34 350 210,478 0.8 17.6
Nev. 36 351 181,626 0.7 10.9
N.H. 42 273 116,327 0.4 3.1
N.J. 6 359 1,187,503 4.4 15.1
N.M. 38 329 150,039 0.6 15.6
N.Y. 2 419 2,024,005 7.5 14.9
N.C. 11 400 762,485 2.8 12.2
N.D. 47 313 77,199 0.3 9.3
Ohio 8 454 959,677 3.5 10.9
Okla. 28 398 346,780 1.3 17.9
Ore. 30 375 303,667 1.1 12.8
Pa. 5 450 1,229,988 4.5 13.2
R.I. 45 290 95,369 0.4 10.6
S.C. 27 380 355,254 1.3 11.9
S.D. 46 322 90,946 0.3 13.0
Tenn. 15 445 550,896 2.0 10.8
Texas 3 489 1,915,949 7.1 15.2
Utah 35 339 190,066 0.7 10.7
Vt. 49 270 62,720 0.2 11.1
Va. 13 411 613,123 2.3 21.2
Wash. 21 383 464,128 1.7 13.0
W.Va. 37 317 164,071 0.6 23.0
Wis. 18 440 527,969 1.9 14.9
Wyo. 48 285 63,640 0.2 19.1
U.S. Total 1148 $27,078,210 100.0 13.3
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 70.8 5.2 72.7 27.3
Alaska 56.9 6.7 63.5 36.5
Ariz. 65.1 4.4 68.0 32.0
Ark. 66.3 4.6 71.1 28.9
Calif. 61.3 6.0 72.4 27.6
Colo. 64.0 4.3 66.8 33.2
Conn. 61.5 5.2 74.4 25.6
Del. 65.0 4.8 74.4 25.6
D.C. 59.0 10.6 82.8 17.2
Fla. 81.8 7.7 69.8 30.2
Ga. 67.9 4.4 72.5 27.5
Hawaii 43.5 3.5 93.3 6.7
Idaho 61.5 3.3 73.9 26.1
Ill. 66.6 5.7 72.2 27.8
Ind. 55.9 4.2 72.4 27.6
Iowa 57.9 2.9 78.1 21.9
Kan. 49.0 1.8 66.9 33.1
Ky. 74.9 5.5 71.0 29.0
La. 71.8 9.7 73.5 26.5
Maine 52.3 1.3 73.5 26.5
Md. 66.0 3.0 75.3 24.7
Mass. 53.2 3.6 91.5 8.5
Mich. 64.9 3.8 75.1 24.9
Minn. 57.7 3.7 74.8 25.2
Miss. 82.5 6.3 68.4 31.6
Mo. 69.0 4.8 66.7 33.3
Mont. 54.0 2.9 78.4 21.6
Neb. 61.7 2.4 75.3 24.7
Nev. 79.5 7.8 66.7 33.3
N.H. 56.2 3.4 67.1 32.9
N.J. 71.2 6.7 74.1 25.9
N.M. 55.4 4.0 68.9 31.1
N.Y. 73.1 8.8 79.1 20.9
N.C. 59.3 3.1 71.7 28.3
N.D. 53.3 2.1 75.8 24.2
Ohio 77.7 6.1 79.6 20.4
Okla. 68.3 4.4 73.9 26.1
Ore. 53.9 3.5 69.4 30.6
Pa. 68.5 5.2 76.3 23.7
R.I. 66.9 3.3 82.7 17.3
S.C. 65.4 4.1 71.8 28.2
S.D. 51.4 2.4 74.6 25.4
Tenn. 65.0 4.9 75.7 24.3
Texas 66.7 6.3 71.8 28.2
Utah 63.6 2.9 67.8 32.2
Vt. 60.5 4.3 68.3 31.7
Va. 60.9 3.4 67.6 32.4
Wash. 71.7 5.0 73.0 27.0
W.Va. 67.3 4.3 69.7 30.3
Wis. 59.8 1.4 76.8 23.2
Wyo. 62.3 2.8 71.4 28.6
U.S. Total 66.4 5.3 73.7 26.3
%
Market
State Leading Writer Share
Ala. Progressive Group 7.7
Alaska Alaska Natl Ins Co 13.6
Ariz. Zurich/Farmers Group 10.6
Ark. Amer Intl Group 6.9
Calif. Zurich/Farmers Group 8.0
Colo. Zurich/Farmers Group 9.9
Conn. Hartford Ins Group 10.6
Del. Travelers P C Group 10.5
D.C. Travelers P C Group 16.5
Fla. Progressive Group 9.0
Ga. Zurich/Farmers Group 8.4
Hawaii CNA Ins Cos 27.8
Idaho Travelers P C Group 7.6
Ill. Zurich/Farmers Group 6.1
Ind. Liberty Mutual Ins Cos 8.0
Iowa Old Republic Gen Group 7.8
Kan. Nationwide Group 6.3
Ky. Zurich/Farmers Group 7.0
La. HDI U S Group 10.9
Maine White Mtns Ins Group 15.2
Md. Zurich/Farmers Group 6.8
Mass. Arbella Ins Group 14.1
Mich. Auto-Owners Ins Group 13.0
Minn. Old Republic Gen Group 10.6
Miss. Zurich/Farmers Group 11.6
Mo. Zurich/Farmers Group 9.2
Mont. Travelers P C Group 9.2
Neb. Old Republic Gen Group 12.8
Nev. Zurich/Farmers Group 16.1
N.H. W R Berkley Group 14.9
N.J. Selective Ins Group 7.3
N.M. Mountain States Group 7.5
N.Y. Amer Transit Ins Go 11.6
N.C. Travelers P C Group 6.7
N.D. Old Republic Gen Group 17.0
Ohio Cincinnati Ins Cos 10.1
Okla. Great Amer P&C Group 7.8
Ore. Zurich/Farmers Group 11.9
Pa. Erie Ins Group 9.1
R.I. Travelers P C Group 12.6
S.C. Zurich/Farmers Group 7.7
S.D. Old Republic Gen Group 13.1
Tenn. Zurich/Farmers Group 5.7
Texas Zurich/Farmers Group 9.3
Utah Zurich/Farmers Group 11.1
Vt. Liberty Mutual Ins Cos 12.5
Va. Zurich/Farmers Group 6.3
Wash. Zurich/Farmers Group 11.3
W.Va. Amer Intl Group 10.6
Wis. Winterthur Swiss Group 7.6
Wyo. Old Republic Gen Group 13.3
U.S. Total Zurich/Farmers Group 7.0
%
Market
State Second Leader Share
Ala. Auto-Owners Ins Group 7.0
Alaska State Farm Group 8.9
Ariz. Auto-Owners Ins Group 7.2
Ark. Travelers P C Group 5.8
Calif. Progressive Group 6.6
Colo. Travelers P C Group 8.4
Conn. Travelers P C Group 8.6
Del. Zurich/Farmers Group 6.5
D.C. Hartford Ins Group 10.2
Fla. Zurich/Farmers Group 7.8
Ga. Progressive Group 6.7
Hawaii Fairfax Finl (US) Group 14.0
Idaho Safeco Ins Cos 7.5
Ill. Travelers P C Group 5.8
Ind. Auto-Owners Ins Group 6.4
Iowa EMC Ins Cos 6.3
Kan. EMC Ins Cos 6.1
Ky. Liberty Mutual Ins Cos 6.9
La. Amer Intl Group 8.3
Maine W R Berkley Group 13.2
Md. Erie Ins Group 6.6
Mass. Travelers P C Group 12.3
Mich. Allmerica FIN P&C Cos 5.8
Minn. Auto-Owners Ins Group 9.1
Miss. St Paul Cos 10.6
Mo. Travelers P C Group 5.1
Mont. Safeco Ins Cos 7.3
Neb. Travelers P C Group 9.1
Nev. St Paul Cos 7.3
N.H. Liberty Mutual Ins Cos 13.5
N.J. Zurich/Farmers Group 7.1
N.M. Zurich/Farmers Group 7.4
N.Y. Travelers P C Group 7.9
N.C. Zurich/Farmers Group 6.4
N.D. Travelers P C Group 6.5
Ohio Westfield Group 6.6
Okla. Zurich/Farmers Group 7.6
Ore. Safeco Ins Cos 8.4
Pa. Zurich/Farmers Group 7.0
R.I. Progressive Group 11.0
S.C. Auto-Owners Ins Group 6.6
S.D. W R Berkley Group 5.9
Tenn. Royal & SunAlliance 5.7
Texas Winterthur Swiss Group 7.9
Utah St Paul Cos 6.7
Vt. W R Berkley Group 12.1
Va. Va F B Group 6.0
Wash. Safeco Ins Cos 11.1
W.Va. St Paul Cos 10.0
Wis. Acuity Group 7.6
Wyo. St Paul Cos 7.9
U.S. Total Travelers P C Group 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 Statement Products: State/Line. For more
information about custom data, call (908) 439-2200, ext. 5383.
Generation Y Snapshot (1) A saved copy of memory including the contents of all memory bytes, hardware registers and status indicators. It is periodically taken in order to restore the system in the event of failure. (2) A saved copy of a file before it is updated. * Born between 1977 and 1994 * Total about 72 million and 21% of population + * Are culturally diverse--34% are minorities * 80% have Internet access See how to access the Internet. * Spend more time online than watching television * Common attributes: Optimistic, idealistic i·de·al·is·tic adj. Of, relating to, or having the nature of an idealist or idealism. i  de·al·is and traditional* Spent $172 billion in 2001 Source: Teenage Research Unlimited, Kellogg School of Management
Echo Boom Generation Ys have almost reached the number of baby boomers See generation X. . [GRAPHIC OMITTED] |
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