Directory · Georgia · Commercial auto

Who writes commercial auto in Georgia

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

Progressive Group wrote the most commercial auto in Georgia in 2025, $411.7M and 13.8% of the state's premium; the top five groups hold 37%. Georgia'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 Georgia page.

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

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in Georgia

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 group	Premium written	Share	Loss ratio	Member companies here
1	Progressive Group	$411.7M	13.81%	47%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
2	State Farm Group	$210.9M	7.07%	80%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
3	Auto Owners Group	$167.0M	5.60%	63%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
4	Berkshire Hathaway Group	$152.0M	5.10%	55%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
5	Travelers Group	$149.5M	5.02%	60%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
6	Old Republic Group	$136.4M	4.58%	81%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
7	Kemper Corporation Group	$91.0M	3.05%	63%	Infinity Insurance Company, Infinity Select Insurance Company, Infinity County Mutual Insurance Company, American Access Casualty Company
8	Zurich Insurance Group	$79.1M	2.65%	65%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
9	Farmers Insurance Group	$74.9M	2.51%	58%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
10	Selective Insurance Group	$68.8M	2.31%	74%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company

Turned down?

Last resort for commercial auto in Georgia

Last resort	Lines	Where	How to get in
Auto assigned-risk plans	personal auto, commercial auto	all 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 market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Georgia insurance regulator company list, read 2026-10-18. Live 'all companies' extract from the GA OCI company search (Content-Type says ms-excel; body is tab-delimited text). Mixes P&C, life/health, HMOs, fraternals, health care corps and farmers' mutuals; the extract has no company-type column, so 'type' is derived from [LINE CODE] (P&C / Life & Health / HMO / Fraternal / Health Care Corp / Farmers Mutual / Other). No domicile column (MAILSTATE is a mailing address), so domicile is ''. 'lines' is [LINE CODE] split on ';'. 'since' is [LICENSE DATE]. A few NAIC codes repeat under the same company name (separate license records); rows are kept as given, dedupe by NAIC on merge. One '(TEST COMPANY)' record is skipped. Captives and RRGs are not in the extract. Georgia publishes no state list of eligible surplus lines insurers. Fetched https://ociapp.oci.ga.gov/Insurers/CompanyDataXL_GUA.aspx; content-type application/vnd.ms-excel; charset=utf-8; 1 rows skipped (blank name, malformed, or test record). "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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