Directory · Iowa · Personal auto

Who writes personal auto in Iowa

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

Progressive Group wrote the most personal auto in Iowa in 2025, $689.5M and 26.0% of the state's premium; the top five groups hold 64%. Iowa'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 Iowa page.

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

Top 10 · NAIC table: Total Private Passenger Auto

The insurer groups that write the most personal auto in Iowa

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	$689.5M	26.01%	54%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
2	State Farm Group	$557.0M	21.01%	53%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
3	Iowa Farm Bureau Group	$195.8M	7.39%	53%	Farm Bureau Property & Casualty Insurance Company, Western Agricultural Insurance Company
4	American Family Insurance Group	$130.8M	4.93%	47%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
5	Nationwide Corporation Group	$115.2M	4.35%	36%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
6	Auto Owners Group	$111.8M	4.22%	54%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
7	Allstate Insurance Group	$103.3M	3.90%	44%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
8	Grinnell Mutual Group	$99.9M	3.77%	45%	Grinnell Mutual Reinsurance Company, SI, Grinnell Select Insurance Company, Grinnell Compass, Inc.
9	Berkshire Hathaway Group	$92.8M	3.50%	57%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
10	West Bend Insurance Group	$74.3M	2.80%	45%	West Bend Insurance Company

Turned down?

Last resort for personal auto in Iowa

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 Iowa insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = Iowa Data Hub dataset 667 'Insurance Companies Licensed in Iowa' (Iowa Insurance Division, refreshed weekly, CC BY 4.0). Mixes P&C, Life, Health, State/County Mutual, Fraternal, MEWA and Benevolent entities; 'type' carries the company_type column so the merge can filter (counts: {"State Mutual": 32, "Property Casualty": 1010, "County Mutual": 22, "Health": 96, "Life": 390, "Fraternal": 28, "Benevolent": 2, "MEWA": 6}). No lines-of-authority column and no license-date column, so lines=[] and since=''. The source also has business_license_type (e.g. 'Non Iowa Stock Fire And Casualty Company', 'Non Iowa Mortgage Guaranty Insurer', 'Non Iowa HMO') and ownership_type, not carried here. Rows without an NAIC number are benevolent societies, MEWAs and captive reinsurers. Surplus lines = dataset 559 'American Surplus Lines Companies' (US-domiciled insurers not licensed in Iowa that qualified to write surplus lines); all rows have NAIC codes; alien insurers are not in this list (Iowa follows the NAIC Quarterly Listing of Alien Insurers). The surplus list has no domicile or eligibility-date column: 'domicile' here is the mailing-address state (may differ from statutory domicile) and eligible=''. Downloads are ZIPs from /api/dataset-download?path=datasets/<id>/rows.csv; data.iowa.gov robots.txt allows '*' but blocks AI crawler UAs, so a browser UA is used. Attribute: Iowa Insurance Division via data.iowa.gov (CC BY 4.0). "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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