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Directory · Hawaii · Commercial auto

Who writes commercial auto in Hawaii

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

Tokio Marine Holdings Inc Group wrote the most commercial auto in Hawaii in 2025, $40.6M and 24.3% of the state's premium; the top five groups hold 60%. Hawaii'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 Hawaii page.

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

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in Hawaii

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
1Tokio Marine Holdings Inc Group$40.6M24.26%49%Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
2Island Insurance Co. Group$18.1M10.81%51%Island Insurance Company, Limited, Island Premier Insurance Company, Limited, Tradewind Insurance Company, Limited
3American Financial Group$16.6M9.94%119%Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
4Progressive Group$13.3M7.93%41%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
5Zurich Insurance Group$12.2M7.28%6%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
6Fairfax Financial Group$10.8M6.46%40%United States Fire Insurance Company, Zenith Insurance Company, Hudson Insurance Company, North River Insurance Company (The)
7Db Insurance Group$8.4M5.03%43%DB Insurance Company, Ltd. (US Branch)
8Travelers Group$6.8M4.05%75%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
9Liberty Mutual Group$4.8M2.89%137%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
10State Farm Group$3.9M2.34%34%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
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Last resort for commercial auto in Hawaii

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 Hawaii insurance regulator company list, read 2026-10-18. Source is the directory of authorized insurers inside the 2025 Annual Report of the Insurance Commissioner (PDF pages 47-92; business year 2024, directory current as of the report date). Every row has a 5-digit NAIC code. No company type (stock/mutual/etc.) is given, so type is empty for all; the list mixes life/health, P&C and title insurers and 'lines' carries the report's classes-of-insurance letters as given: AH=Accident & Health or Sickness, L=Life, C=Casualty, M=Marine, IM=Inland Marine, OM=Ocean Marine, P=Property (Fire), S=Surety, T=Title, V=(Motor) Vehicle. 'classes_raw' is the verbatim class string; 'note' holds the report's parenthetical restrictions/remarks (e.g. Credit Only, Workers Comp Only, Reinsurance, V added effective ..., Redomesticated ...). 'domicile' is the state of the home office printed under each name (blank for Canadian home offices and one entry whose state is missing in the PDF); 'home_office' is the city. 'since' is the Hawaii admission date. Risk retention groups registered in Hawaii appear in the same directory and are kept. Captive insurers (no NAIC codes) and HMOs/mutual benefit societies/dental insurers listed on later pages are not included. Hawaii publishes no surplus lines eligibility list (export-list state), so surplus_lines is empty. "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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