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Directory · Illinois · Personal auto

Who writes personal auto in Illinois

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

194 companies wrote personal auto in Illinois in 2025, $11.15B in direct premium. State Farm Mutual Automobile Insurance Company led with 29.6%; the top five hold 55%. 715 companies are licensed for the line.

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

Top 10 · NAIC table: Total Private Passenger Auto

The insurer groups that write the most personal auto in Illinois

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$3.45B30.95%63%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2Progressive Group$1.64B14.70%58%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
3Allstate Insurance Group$1.36B12.17%63%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
4Country Insurance & Financial Serv Group$714.8M6.41%53%Country Preferred Insurance Company, COUNTRY Mutual Insurance Company, Country Casualty Insurance Company
5Berkshire Hathaway Group$695.2M6.24%67%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
6Farmers Insurance Group$355.6M3.19%49%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
7American Family Insurance Group$315.1M2.83%54%American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
8United Serv Automobile Assn Group$305.2M2.74%63%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
9Liberty Mutual Group$210.1M1.88%34%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
10Erie Insurance Group$199.8M1.79%75%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
Personal auto · Illinois

The companies

#CompanyNAICHome stateStatus herePremiumShare
1State Farm Mutual Automobile Insurance Company25178ILAdmitted (licensed)$3.30B29.62%
2Progressive Universal Insurance Company21727WIAdmitted (licensed)$974.6M8.74%
3Allstate Fire and Casualty Insurance Company29688ILAdmitted (licensed)$702.7M6.30%
4Progressive Northern Insurance Company38628WIAdmitted (licensed)$655.0M5.88%
5Country Preferred Insurance Company21008ILAdmitted (licensed)$514.1M4.61%
6Allstate North American Insurance Company11110ILAdmitted (licensed)$366.1M3.28%
7GEICO Casualty Company41491NEAdmitted (licensed)$215.4M1.93%
8GEICO Secure Insurance Company14137NEAdmitted (licensed)$213.6M1.92%
9Erie Insurance Exchange26271PAAdmitted (licensed)$196.8M1.77%
10COUNTRY Mutual Insurance Company20990ILAdmitted (licensed)$193.8M1.74%
11Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$191.8M1.72%
12American Family Insurance Company10386WIAdmitted (licensed)$169.5M1.52%
13Auto Club Insurance Association21202MIAdmitted (licensed)$160.9M1.44%
14GEICO Indemnity Company22055NEAdmitted (licensed)$148.4M1.33%
15Owners Insurance Company32700OHAdmitted (licensed)$142.1M1.28%
16American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)$127.6M1.15%
17State Farm Fire and Casualty Company25143ILAdmitted (licensed)$127.0M1.14%
18Illinois Farmers Insurance Company21679ILAdmitted (licensed)$107.9M0.97%
19American Alliance Cas Co13752ILAdmitted (licensed)$103.4M0.93%
20USAA Casualty Insurance Company25968TXAdmitted (licensed)$98.1M0.88%
21United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$88.9M0.80%
22Integon Casualty Insurance Company27930ILAdmitted (licensed)$87.3M0.78%
23Bristol West Insurance Company19658OHAdmitted (licensed)$81.0M0.73%
24Encompass Insurance Company10358ILAdmitted (licensed)$77.6M0.70%
25First Chicago Insurance Company13587ILAdmitted (licensed)$76.5M0.69%
26USAA General Indemnity Company18600TXAdmitted (licensed)$75.1M0.67%
27Liberty Mutual Personal Insurance Company12484NHAdmitted (licensed)$73.9M0.66%
28Allmerica Financial Alliance Insurance Company10212NHAdmitted (licensed)$67.3M0.60%
29Safeco Insurance Company of Illinois39012ILAdmitted (licensed)$63.2M0.57%
30Farmers New Century Insurance Company10806ILAdmitted (licensed)$61.9M0.56%
31Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$57.0M0.51%
32Unique Insurance Company10655ILAdmitted (licensed)$54.6M0.49%
33Safeco Insurance Company of Oregon11071ORAdmitted (licensed)$51.4M0.46%
34Kemper Reciprocal17513ILAdmitted (licensed)$50.3M0.45%
35Farmers Automobile Insurance Association, The24201ILAdmitted (licensed)$48.5M0.43%
36Economy Premier Assurance Company40649ILAdmitted (licensed)$48.1M0.43%
37Allstate Insurance Company19232ILAdmitted (licensed)$46.1M0.41%
38Permanent General Assurance Corporation of Ohio22906TNAdmitted (licensed)$43.2M0.39%
39Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$43.0M0.39%
40West Bend Insurance Company15350WIAdmitted (licensed)$42.6M0.38%
41Shelter Mutual Insurance Company23388MOAdmitted (licensed)$41.0M0.37%
42GEICO General Insurance Company35882NEAdmitted (licensed)$33.7M0.30%
43GEICO Choice Insurance Company14139NEAdmitted (licensed)$32.1M0.29%
44Safeway Insurance Company12521ILAdmitted (licensed)$32.1M0.29%
45Trumbull Insurance Company27120CTAdmitted (licensed)$31.9M0.29%
46Allstate Property and Casualty Insurance Company17230ILAdmitted (licensed)$31.5M0.28%
47Auto-Owners Insurance Company18988MIAdmitted (licensed)$30.8M0.28%
48State National Insurance Company, Inc.12831TXAdmitted (licensed)$28.9M0.26%
49American Freedom Insurance Company10864ILAdmitted (licensed)$26.9M0.24%
50Government Employees Insurance Company22063NEAdmitted (licensed)$26.5M0.24%
51Hartford Insurance Company of the Southeast38261CTAdmitted (licensed)$26.0M0.23%
52GEICO Marine Insurance Company37923NEAdmitted (licensed)$25.6M0.23%
53American Access Casualty Company10730ILAdmitted (licensed)$25.5M0.23%
54Globe Sec Ins Co24910ILAdmitted (licensed)$24.5M0.22%
55Esurance Property and Casualty Insurance Company30210ILAdmitted (licensed)$23.1M0.21%
56Direct Auto Ins Co12721NDAdmitted (licensed)$22.9M0.21%
57Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$21.7M0.19%
58Essentia Insurance Company37915MOAdmitted (licensed)$21.7M0.19%
59ACUITY, A Mutual Insurance Company14184WIAdmitted (licensed)$21.3M0.19%
60Truck Insurance Exchange21709CAAdmitted (licensed)$20.1M0.18%
61American Select Insurance Company19992OHAdmitted (licensed)$19.7M0.18%
62American Heartland Ins Co10031ILAdmitted (licensed)$19.4M0.17%
63Root Insurance Company10974OHAdmitted (licensed)$18.9M0.17%
64First Acceptance Insurance Company, Inc.10336TXAdmitted (licensed)$18.8M0.17%
65United Security Insurance Company81108ILAdmitted (licensed)$18.2M0.16%
66Rockford Mutual Insurance Company27065ILAdmitted (licensed)$17.3M0.16%
67Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$16.9M0.15%
68LM General Insurance Company36447ILAdmitted (licensed)$16.2M0.15%
69Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$16.2M0.14%
70Mercury Insurance Company of Illinois34444ILAdmitted (licensed)$15.6M0.14%
71Farmers Group Property and Casualty Insurance Company34339RIAdmitted (licensed)$14.9M0.13%
72Founders Insurance Company14249ILAdmitted (licensed)$14.1M0.13%
73Grinnell Select Insurance Company16144IAAdmitted (licensed)$13.8M0.12%
74American Family Connect Property and Casualty Insurance Company29068WIAdmitted (licensed)$13.4M0.12%
75Nationwide General Insurance Company23760OHAdmitted (licensed)$13.1M0.12%
76Berkley Assurance Company32603DEAdmitted (licensed)$12.9M0.12%
77Wadena Insurance Company12528IAAdmitted (licensed)$12.5M0.11%
78Automobile Club Inter-Insurance Exchange15512MOAdmitted (licensed)$11.5M0.10%
79Madison Mutual Insurance Company14443ILAdmitted (licensed)$11.5M0.10%
80State Farm Classic Insurance Company17133ILAdmitted (licensed)$11.4M0.10%
81Lemonade Insurance Company16023NYAdmitted (licensed)$11.3M0.10%
82Loya Insurance Company11198TXAdmitted (licensed)$10.8M0.10%
83Grinnell Compass, Inc.15831IAAdmitted (licensed)$10.8M0.10%
84Chubb National Insurance Company10052INAdmitted (licensed)$10.3M0.09%
85Selective Insurance Company of South Carolina19259INAdmitted (licensed)$10.3M0.09%
86Executive Risk Indemnity, Inc.35181DEAdmitted (licensed)$9.8M0.09%
87American Prop & Cas Ins Co17661ILAdmitted (licensed)$9.7M0.09%
88Progressive Direct Insurance Company16322OHAdmitted (licensed)$9.6M0.09%
89MGA Insurance Company, Inc.40150TXAdmitted (licensed)$9.5M0.09%
90Stonegate Insurance Company14012ILAdmitted (licensed)$9.2M0.08%
91Trustgard Insurance Company40118OHAdmitted (licensed)$8.8M0.08%
92Falcon Insurance Company14254ILAdmitted (licensed)$8.4M0.08%
93Depositors Insurance Company42587IAAdmitted (licensed)$8.4M0.08%
94Encompass Home and Auto Insurance Company11252ILAdmitted (licensed)$7.7M0.07%
95Tesla Insurance Company24813CAAdmitted (licensed)$7.5M0.07%
96Viking Insurance Company of Wisconsin13137WIAdmitted (licensed)$7.1M0.06%
97Country Casualty Insurance Company20982ILAdmitted (licensed)$6.9M0.06%
98Central Insurance Company20230OHAdmitted (licensed)$6.8M0.06%
99Hastings Insurance Company14176MIAdmitted (licensed)$6.5M0.06%
100Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$6.5M0.06%
101MICO Insurance Company40932OHAdmitted (licensed)$6.4M0.06%
102Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$6.3M0.06%
103Great Northern Insurance Company20303INAdmitted (licensed)$6.1M0.05%
104Economy Preferred Insurance Company38067ILAdmitted (licensed)$5.7M0.05%
105Teachers Insurance Company22683ILAdmitted (licensed)$5.7M0.05%
106GM National Insurance Company42897ILAdmitted (licensed)$5.6M0.05%
107Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$5.5M0.05%
108Elephant Insurance Company13688VAAdmitted (licensed)$5.5M0.05%
109Farmers Casualty Insurance Company40169RIAdmitted (licensed)$4.8M0.04%
110Badger Mutual Insurance Company13420WIAdmitted (licensed)$4.4M0.04%
111MIC General Insurance Corporation38660ILAdmitted (licensed)$4.4M0.04%
112Nationwide Insurance Company of America25453OHAdmitted (licensed)$4.4M0.04%
113Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$4.3M0.04%
114Horace Mann Insurance Company22578ILAdmitted (licensed)$4.2M0.04%
115HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY22756ILAdmitted (licensed)$4.1M0.04%
116Mendakota Casualty Company42862ILAdmitted (licensed)$4.0M0.04%
117AIG Property Casualty Company19402ILAdmitted (licensed)$4.0M0.04%
118Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$3.9M0.03%
119Clearcover Insurance Company16524OHAdmitted (licensed)$3.9M0.03%
120Goodville Mutual Casualty Company14044PAAdmitted (licensed)$3.8M0.03%
121Allstate Indemnity Company19240ILAdmitted (licensed)$3.5M0.03%
122National General Insurance Company23728ILAdmitted (licensed)$3.5M0.03%
123Toggle Insurance Company44245DEAdmitted (licensed)$3.4M0.03%
124Midvale Indemnity Company27138WIAdmitted (licensed)$3.3M0.03%
125Grinnell Mutual Reinsurance Company, SI14117IAAdmitted (licensed)$3.1M0.03%
126Erie Insurance Company26263PAAdmitted (licensed)$3.0M0.03%
127Chubb Indemnity Insurance Company12777NYAdmitted (licensed)$3.0M0.03%
128Permanent General Assurance Corporation37648TNAdmitted (licensed)$2.9M0.03%
129Hartford Insurance Company of Illinois38288ILAdmitted (licensed)$2.6M0.02%
130American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$2.6M0.02%
131Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$2.6M0.02%
132American Family Home Insurance Company23450FLAdmitted (licensed)$2.4M0.02%
133Indiana Farmers Mutual Insurance Company22624INAdmitted (licensed)$2.3M0.02%
134Westfield National Insurance Company24120OHAdmitted (licensed)$2.2M0.02%
135Employers Insurance Company of Wausau21458WIAdmitted (licensed)$2.1M0.02%
136Young America Insurance Company27090TXAdmitted (licensed)$2.1M0.02%
137Sentry Select Insurance Company21180WIAdmitted (licensed)$2.1M0.02%
138First Colonial Insurance Company29980ILAdmitted (licensed)$2.0M0.02%
139National Specialty Insurance Company22608TXAdmitted (licensed)$1.9M0.02%
140American National Property and Casualty Company28401NEAdmitted (licensed)$1.6M0.01%
141Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$1.6M0.01%
142Branch Insurance Exchange, Branch Financial, Inc. as Attorney-in-Fact16825OHAdmitted (licensed)$1.1M0.01%
143Esurance Insurance Company25712ILAdmitted (licensed)$989,0550.01%
144AMCO Insurance Company19100IAAdmitted (licensed)$987,7050.01%
145Federal Insurance Company20281INAdmitted (licensed)$899,9950.01%
146Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$888,3410.01%
147Midwest Family Mutual Insurance Company23574IAAdmitted (licensed)$865,1950.01%
148ECONOMY FIRE \u0026 CASUALTY COMPANY22926ILAdmitted (licensed)$764,8200.01%
149Vigilant Insurance Company20397NYAdmitted (licensed)$741,0280.01%
150Clearcover Inter Insurance Exchange17733ILAdmitted (licensed)$740,8460.01%
151Westfield Insurance Company24112OHAdmitted (licensed)$666,8770.01%
152Old Guard Insurance Company17558OHAdmitted (licensed)$660,4490.01%
153General Automobile Insurance Company, Inc. (The)13703TNAdmitted (licensed)$587,8900.01%
154Chubb Custom Insurance Company38989NJAdmitted (licensed)$585,1200.01%
155Pacific Indemnity Company20346DEAdmitted (licensed)$562,3110.01%
156Vault Reciprocal Exchange, Vault Risk Management Services, LLC A/I/F16186FLAdmitted (licensed)$557,7270.01%
157Lyndon Southern Insurance Company10051DEAdmitted (licensed)$551,2700.00%
158American Standard Insurance Company of Wisconsin19283WIAdmitted (licensed)$508,3860.00%
159L M Insurance Corporation33600ILAdmitted (licensed)$455,0560.00%
160Dairyland Insurance Company21164WIAdmitted (licensed)$442,8240.00%
161Riverport Insurance Company36684IAAdmitted (licensed)$439,5740.00%
162Hartford Fire Insurance Company19682CTAdmitted (licensed)$434,5840.00%
163Grain Dealers Mutual Insurance Company22098INAdmitted (licensed)$315,8850.00%
164Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$306,3040.00%
165Stillwater Insurance Company25180CAAdmitted (licensed)$292,6320.00%
166Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)$282,7500.00%
167Amica Property and Casualty Insurance Company12287RIAdmitted (licensed)$272,8250.00%
168Spinnaker Insurance Company24376ILAdmitted (licensed)$213,7360.00%
169Markel American Insurance Company28932VAAdmitted (licensed)$208,1830.00%
170Foremost Property and Casualty Insurance Company11800MIAdmitted (licensed)$183,8480.00%
171National Interstate Insurance Company32620OHAdmitted (licensed)$181,4710.00%
172Pekin Insurance Company24228ILAdmitted (licensed)$172,9300.00%
173Standard Property and Casualty Insurance Company15199ILAdmitted (licensed)$164,3730.00%
174National General Assurance Company42447ILAdmitted (licensed)$157,5600.00%
175Omni Indemnity Company34940ILAdmitted (licensed)$134,3060.00%
176Liberty Mutual Insurance Company23043MAAdmitted (licensed)$130,6290.00%
177Grange Indemnity Insurance Company10322OHAdmitted (licensed)$123,8890.00%
178American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$118,5680.00%
179Noblr Reciprocal Exchange16461TXAdmitted (licensed)$109,9150.00%
180First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$97,0190.00%
181Omni Insurance Company39098ILAdmitted (licensed)$82,5870.00%
182Grange Insurance Company14060OHAdmitted (licensed)$57,4500.00%
183National General Insurance Online, Inc.11044ILAdmitted (licensed)$38,7960.00%
184Incline Casualty Company11090TXAdmitted (licensed)$34,8970.00%
185Equity Insurance Company28746TXAdmitted (licensed)$22,0550.00%
186Liberty Mutual Insurance Company42404ILAdmitted (licensed)$18,1980.00%
187American Modern Home Insurance Company23469OHAdmitted (licensed)$10,2750.00%
188Direct General Insurance Company42781ILAdmitted (licensed)$9,4150.00%
189Mid-Century Insurance Company21687CAAdmitted (licensed)$2,3950.00%
190Hanover Insurance Company (The)22292NHAdmitted (licensed)$2,2590.00%
191Milbank Insurance Company41653IAAdmitted (licensed)$2750.00%
192Travelers Home and Marine Insurance Company (The)27998CTAdmitted (licensed)$1840.00%
193American Alternative Insurance Corporation19720DEAdmitted (licensed)$560.00%
194Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$340.00%
Turned down?

Last resort for personal auto in Illinois

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 Illinois insurance regulator company list, read 2026-10-18. IDOI 2025 Market Share Report: Property and Casualty (published March 2026, 2025 annual-statement data). Lists every company with Illinois business written on the P&C statement: licensed companies, surplus lines insurers and risk retention groups together, with no status/type flag, so type is '' for all rows and the list is NOT a certificate-of-authority roster (a licensed company with zero IL premium and zero losses is omitted; non-admitted writers are included). 'lines' = P&C statement lines of business the company reported IL premium or losses under (48 of 54 lines have entries), a proxy for lines of authority. No 'since' date in the source. No Illinois surplus lines eligibility list exists (IL has no white list). 26 companies had a name or domicile cell missing in at least one PDF row; filled from the same NAIC code's other rows. "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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