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Directory · Kentucky · Commercial auto

Who writes commercial auto in Kentucky

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 Kentucky in 2025, $83.6M and 10.0% of the state's premium; the top five groups hold 31%. Kentucky'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 Kentucky page.

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

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in Kentucky

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
1Progressive Group$83.6M10.04%52%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
2Auto Owners Group$47.9M5.75%63%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
3Travelers Group$47.5M5.71%59%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4Liberty Mutual Group$40.4M4.86%53%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
5Cincinnati Financial Group$38.0M4.57%74%Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
6ACUITY, A Mutual Insurance Company$35.8M4.29%62%—
7Kentucky Farm Bureau Group$34.6M4.16%58%FB Insurance Company (The), Kentucky Farm Bureau Mutual Insurance Company
8Old Republic Group$26.4M3.16%72%Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
9Erie Insurance Group$26.1M3.13%105%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
10American Financial Group$24.7M2.96%47%Great American Insurance Company, Great American Assurance Company, National Interstate Insurance Company, Great American Alliance Insurance Company
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Last resort for commercial auto in Kentucky

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 Kentucky Department of Insurance company list, read 2026-10-17. "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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