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Directory · Michigan · Commercial auto

Who writes commercial auto in Michigan

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read.

Progressive Group wrote the most commercial auto in Michigan in 2025, $188.6M and 10.5% of the state's premium; the top five groups hold 33%. Michigan doesn't publish a machine-readable list of every licensed company, so the ranking below is the NAIC's top 10 groups.

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

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in Michigan

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$188.6M10.47%72%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
2Auto Owners Group$147.4M8.18%51%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
3Liberty Mutual Group$93.5M5.19%49%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
4Old Republic Group$89.0M4.94%75%Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
5Michigan Farm Bureau Group$74.9M4.16%60%Cincinnati Equitable Insurance Company, Farm Bureau Mutual Insurance Company of Michigan
6Travelers Group$70.8M3.93%46%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
7Zurich Insurance Group$70.4M3.91%60%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
8Frankenmuth Group$56.6M3.14%75%Frankenmuth Insurance Company, Ansur America Insurance Company, Patriot Insurance Company
9Oakland Financial Corporation Group$54.0M3.00%95%Cherokee Insurance Company, Wolverine Insurance Company
10Secura Insurance Group$41.2M2.29%52%SECURA Insurance Company, SECURA Supreme Insurance Company
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Last resort for commercial auto in Michigan

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

Top insurer groups from the NAIC market share report; the state's own licensed-company list isn't available in a form a program can read. "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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