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Directory · California · Personal auto

Who writes personal auto in California

Ranked by direct premium written in 2025 from the California Department of Insurance market share report (every company, not a top-N list).

118 companies wrote personal auto in California in 2025, $48.40B in direct premium. State Farm Mutual Automobile Insurance Company led with 13.8%; the top five hold 48%.

By Sam Alishahi, independent insurance broker · All lines in California

Top 10 · NAIC table: Total Private Passenger Auto

The insurer groups that write the most personal auto in California

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1State Farm Group$6.69B13.83%67%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2Auto Club Enterprises Insurance Group$5.68B11.75%66%Interinsurance Exchange of the Automobile Club, Wawanesa General Insurance Company, Auto Club County Mutual Insurance Company, Auto Club Indemnity Company
3Berkshire Hathaway Group$5.26B10.87%74%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
4Allstate Insurance Group$4.46B9.22%56%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
5Csaa Insurance Group$3.94B8.14%62%CSAA Insurance Exchange, CSAA FIRE \u0026 CASUALTY INSURANCE COMPANY, CSAA General Insurance Company, Mobilitas Insurance Company
6Progressive Group$3.67B7.58%67%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
7Farmers Insurance Group$3.63B7.51%51%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
8Mercury General Group$3.06B6.32%58%Mercury Insurance Company, California Automobile Insurance Company, Mercury Insurance Company of Texas, Mercury County Mutual Insurance Company
9United Serv Automobile Assn Group$2.49B5.14%77%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
10Kemper Corporation Group$2.08B4.30%66%Infinity Insurance Company, Infinity Select Insurance Company, Infinity County Mutual Insurance Company, American Access Casualty Company
Personal auto · California

The companies

#CompanyNAICHome stateStatus herePremiumShare
1State Farm Mutual Automobile Insurance Company25178ILAdmitted (licensed)$6.69B13.83%
2Interinsurance Exchange of the Automobile Club15598CAAdmitted (licensed)$4.89B10.11%
3GEICO General Insurance Company35882NEAdmitted (licensed)$4.75B9.82%
4CSAA Insurance Exchange15539CAAdmitted (licensed)$3.89B8.03%
5Allstate Northbrook Indemnity Company36455ILAdmitted (licensed)$3.11B6.42%
6Mercury Insurance Company27553CAAdmitted (licensed)$2.69B5.56%
7Farmers Insurance Exchange21652CAAdmitted (licensed)$2.18B4.50%
8Infinity Insurance Company22268INAdmitted (licensed)$2.08B4.30%
9United Financial Casualty Company11770OHAdmitted (licensed)$1.84B3.80%
10Drive Insurance Company27804OHAdmitted (licensed)$945.8M1.95%
11Safeco Insurance Company of America24740NHAdmitted (licensed)$897.0M1.85%
12Aspire General Insurance Company15290CAAdmitted (licensed)$874.2M1.81%
13American Family Connect Property and Casualty Insurance Company29068WIAdmitted (licensed)$860.5M1.78%
14Integon National Insurance Company29742ILAdmitted (licensed)$851.7M1.76%
15USAA Casualty Insurance Company25968TXAdmitted (licensed)$794.3M1.64%
16Wawanesa General Insurance Company10683CAAdmitted (licensed)$791.6M1.64%
17Progressive Select Insurance Company10192OHAdmitted (licensed)$749.1M1.55%
18Tesla Insurance Company24813CAAdmitted (licensed)$725.0M1.50%
19USAA General Indemnity Company18600TXAdmitted (licensed)$596.8M1.23%
20United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$552.6M1.14%
21Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$543.1M1.12%
22Coast National Insurance Company25089CAAdmitted (licensed)$504.8M1.04%
23Travelers Commercial Insurance Company36137CTAdmitted (licensed)$488.7M1.01%
24GEICO Protection Insurance Company17511NEAdmitted (licensed)$468.7M0.97%
2521st Century Casualty Company36404CAAdmitted (licensed)$455.0M0.94%
26Mid-Century Insurance Company21687CAAdmitted (licensed)$423.0M0.87%
27Nationwide Insurance Company of America25453OHAdmitted (licensed)$421.4M0.87%
28Viking Insurance Company of Wisconsin13137WIAdmitted (licensed)$348.9M0.72%
29California Automobile Insurance Company38342CAAdmitted (licensed)$331.1M0.68%
30State National Insurance Company, Inc.12831TXAdmitted (licensed)$321.6M0.66%
31Integon Preferred Insurance Company31488ILAdmitted (licensed)$289.7M0.60%
32California Casualty Indemnity Exchange, The20117CAAdmitted (licensed)$233.4M0.48%
33Loya Casualty Insurance Company12589CAAdmitted (licensed)$222.4M0.46%
34Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$198.7M0.41%
35Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$151.0M0.31%
36Essentia Insurance Company37915MOAdmitted (licensed)$126.1M0.26%
37Anchor General Insurance Company40010CAAdmitted (licensed)$122.1M0.25%
38Permanent General Assurance Corporation37648TNAdmitted (licensed)$119.2M0.25%
39Encompass Insurance Company10358ILAdmitted (licensed)$115.5M0.24%
40Root Insurance Company10974OHAdmitted (licensed)$105.6M0.22%
41Federal Insurance Company20281INAdmitted (licensed)$91.0M0.19%
42Progressive Direct Insurance Company16322OHAdmitted (licensed)$90.7M0.19%
43California Capital Insurance Company13544CAAdmitted (licensed)$83.6M0.17%
44Incline National Insurance Company19269CAAdmitted (licensed)$81.6M0.17%
45American National Property and Casualty Company28401NEAdmitted (licensed)$70.1M0.14%
46Horace Mann Insurance Company22578ILAdmitted (licensed)$64.7M0.13%
47Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$63.3M0.13%
48Metromile Insurance Company16187NYAdmitted (licensed)$61.0M0.13%
49Seaview Insurance Company10004CAAdmitted (licensed)$60.3M0.12%
50Knightbrook Insurance Company13722DEAdmitted (licensed)$56.0M0.12%
51Trumbull Insurance Company27120CTAdmitted (licensed)$56.0M0.12%
52CSAA General Insurance Company37770INAdmitted (licensed)$53.7M0.11%
53Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$53.0M0.11%
54Progressive Casualty Insurance Company24260OHAdmitted (licensed)$45.2M0.09%
55GEICO Indemnity Company22055NEAdmitted (licensed)$40.3M0.08%
56Grange Insurance Association22101WAAdmitted (licensed)$38.9M0.08%
57National General Insurance Company23728ILAdmitted (licensed)$36.8M0.08%
58Commerce West Insurance Company13161CAAdmitted (licensed)$35.2M0.07%
59Orion Indemnity Company13250CAAdmitted (licensed)$35.0M0.07%
60Travelers Property Casualty Insurance Company36161CTAdmitted (licensed)$34.7M0.07%
61Safeway Insurance Company12521ILAdmitted (licensed)$34.7M0.07%
62American States Preferred Insurance Company37214INAdmitted (licensed)$33.6M0.07%
63Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$30.0M0.06%
64AIG Property Casualty Company19402ILAdmitted (licensed)$28.0M0.06%
65Hartford Casualty Insurance Company29424INAdmitted (licensed)$27.8M0.06%
66National General Assurance Company42447ILAdmitted (licensed)$27.8M0.06%
67Bankers Standard Insurance Company18279PAAdmitted (licensed)$27.8M0.06%
68Allstate Insurance Company19232ILAdmitted (licensed)$27.1M0.06%
69Nations Insurance Company Dba Nations Insurance Company of Florida Dba Nations Insurance Company of Florida13127CAAdmitted (licensed)$26.5M0.05%
70Response Indemnity Company of California10970CAAdmitted (licensed)$24.0M0.05%
71First Acceptance Insurance Company, Inc.10336TXAdmitted (licensed)$22.2M0.05%
72HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY22756ILAdmitted (licensed)$20.0M0.04%
73Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$19.6M0.04%
74MAPFRE Insurance Company23876NJAdmitted (licensed)$15.4M0.03%
75Qualitas Insurance Company14133CAAdmitted (licensed)$13.3M0.03%
76Stillwater Insurance Company25180CAAdmitted (licensed)$10.9M0.02%
77American Alternative Insurance Corporation19720DEAdmitted (licensed)$10.7M0.02%
78Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$10.5M0.02%
7921st Century Centennial Insurance Company34789PAAdmitted (licensed)$8.8M0.02%
80Sterling Casualty Insurance Company12878CAAdmitted (licensed)$8.3M0.02%
81Crestbrook Insurance Company18961OHAdmitted (licensed)$8.2M0.02%
82Safeco Insurance Company of Illinois39012ILAdmitted (licensed)$7.9M0.02%
83American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$7.7M0.02%
84Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$7.7M0.02%
85National Specialty Insurance Company22608TXAdmitted (licensed)$6.8M0.01%
86Spinnaker Insurance Company24376ILAdmitted (licensed)$5.8M0.01%
87MIC General Insurance Corporation38660ILAdmitted (licensed)$5.1M0.01%
88Pacific Star Insurance Company29793WIAdmitted (licensed)$4.3M0.01%
89Eagle West Insurance Company12890CAAdmitted (licensed)$3.2M0.01%
90Trisura Insurance Company22225OKAdmitted (licensed)$2.9M0.01%
91Trans Pacific Insurance Company41238NYAdmitted (licensed)$2.4M0.00%
92Century-National Insurance Company26905ILAdmitted (licensed)$1.8M0.00%
93Pacific Specialty Insurance Company37850CAAdmitted (licensed)$1.6M0.00%
94First National Insurance Company of America24724NHAdmitted (licensed)$1.1M0.00%
95Foremost Property and Casualty Insurance Company11800MIAdmitted (licensed)$988,6750.00%
96National Unity Insurance Company19119TXAdmitted (licensed)$951,1600.00%
97American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$838,3470.00%
98Equity Insurance Company28746TXAdmitted (licensed)$618,0900.00%
99Markel American Insurance Company28932VAAdmitted (licensed)$596,7130.00%
100XL Specialty Insurance Company37885DEAdmitted (licensed)$585,7770.00%
101Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$492,3040.00%
102Aegis Security Insurance Company33898CAAdmitted (licensed)$431,1790.00%
103Everest National Insurance Company10120DEAdmitted (licensed)$427,3580.00%
104Ocean Harbor Casualty Insurance Company12360FLAdmitted (licensed)$416,0620.00%
105RiverStone International Insurance, Inc.21261MAAdmitted (licensed)$299,8170.00%
106QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$226,3170.00%
107Oregon Mutual Insurance Company14907ORAdmitted (licensed)$67,0050.00%
108STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$46,5020.00%
109DB Insurance Company, Ltd. (US Branch)12502HIAdmitted (licensed)$43,0290.00%
110Midvale Indemnity Company27138WIAdmitted (licensed)$41,6070.00%
111Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$38,9850.00%
112MS Transverse Insurance Company21075TXAdmitted (licensed)$29,6650.00%
113GEICO Casualty Company41491NEAdmitted (licensed)$18,1540.00%
114American Modern Home Insurance Company23469OHAdmitted (licensed)$7,4370.00%
115Incline Casualty Company11090TXAdmitted (licensed)$6,8020.00%
116Government Employees Insurance Company22063NEAdmitted (licensed)$6,5390.00%
117Nevada General Insurance Company10007NVAdmitted (licensed)$5,9900.00%
118American Family Home Insurance Company23450FLAdmitted (licensed)$3040.00%
Turned down?

Last resort for personal auto in California

Last resortLinesWhereHow to get in
Auto assigned-risk planspersonal auto, commercial autoall states (AIPSO runs CA CAARP and Low Cost Auto plus AK, AZ, CO, ID, MT, NV, NM, OR, UT, WA, WY; CAIP handles commercial auto)California CAARP: any CA fire and casualty licensee can get certified (application and license copy to [email protected]) Elsewhere the state's Automobile Insurance Plan administered by AIPSO (aipso.com), through any licensed agent.Source
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the California Department of Insurance company list, read 2026-10-17 and the surplus lines list. California's company search lists every company on file (all lines, including some no longer active); P&C status comes from the merge. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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