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Directory · Delaware · Personal auto

Who writes personal auto in Delaware

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

State Farm Group wrote the most personal auto in Delaware in 2025, $394.4M and 29.5% of the state's premium; the top five groups hold 79%. Delaware's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Delaware page.

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

Top 10 · NAIC table: Total Private Passenger Auto

The insurer groups that write the most personal auto in Delaware

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$394.4M29.48%62%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2Progressive Group$235.2M17.58%56%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
3Berkshire Hathaway Group$157.9M11.80%69%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
4Allstate Insurance Group$132.9M9.93%62%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
5United Serv Automobile Assn Group$130.6M9.76%65%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6Nationwide Corporation Group$69.3M5.18%57%Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
7Liberty Mutual Group$56.7M4.24%51%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
8Travelers Group$33.0M2.46%64%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
9Root Inc Group$24.9M1.86%62%Root Insurance Company, ROOT PROPERTY \u0026 CASUALTY INSURANCE COMPANY, Root Florida Insurance Company
10Hartford Fire & Casualty Group$19.8M1.48%57%Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
Turned down?

Last resort for personal auto in Delaware

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 Delaware insurance regulator company list, read 2026-10-18. Delaware DOI Active Company List (sheet 'Active Company 10.01.2026'; updated monthly, link scraped from https://insurance.delaware.gov/divisions/berg/authorizedcompanies/). All 2279 active rows kept with COMPANY TYPE so the merge can filter (e.g. type == 'Property Casualty'); no lines of authority in the file; 1686 rows carry a NAIC code (TPAs, PBMs, rating/advisory orgs, reinsurance intermediaries and premium finance companies mostly do not). No DE surplus lines eligibility list exists (NRRA home-state rule + NAIC Quarterly Listing of Alien Insurers); DE-domiciled surplus lines insurers are in admitted with type 'Domestic Surplus Lines Company'. Types: Property Casualty 937; Life And Health 444; Third Party Administrator 334; Risk Retention Group 117; Accredited Reinsurer 79; Reciprocal Jurisdiction 66; Pharmacy Benefits Manager 62; Reinsurance Intermediary 45; Domestic Surplus Lines Company 38; Certified Reinsurer 28; Title 25; Fraternal 22; Rating Organization 21; Premium Finance Company 18; Health Maintenance Organization 13; Advisory Organization 6; Dental Plan Organization 6; Multiline Company 3; Medicare Prescription Drug Plan 3; Captive Insurer 3; Surety Company 2; Health Service Organization 2; Workers Comp Self Insurance Fund 2; Captive Risk Retention Group 1; Domiciled Trust 1; Manage Care Organization 1 "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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