Directory · Minnesota · Commercial auto

Who writes commercial auto in Minnesota

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

Old Republic Group wrote the most commercial auto in Minnesota in 2025, $105.7M and 9.5% of the state's premium; the top five groups hold 38%. Minnesota'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 Minnesota page.

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

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in Minnesota

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	Old Republic Group	$105.7M	9.51%	50%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
2	Auto Owners Group	$98.4M	8.85%	47%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
3	Progressive Group	$78.3M	7.05%	35%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
4	Western National Mutual Group	$76.8M	6.91%	48%	Western National Mutual Insurance Company, Pioneer Specialty Insurance Company, Western National Assurance Company, American Freedom Insurance Company
5	Travelers Group	$67.4M	6.06%	55%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
6	Secura Insurance Group	$46.9M	4.22%	52%	SECURA Insurance Company, SECURA Supreme Insurance Company
7	ACUITY, A Mutual Insurance Company	$41.5M	3.73%	47%	—
8	Liberty Mutual Group	$39.0M	3.51%	37%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9	Federated Mutual Group	$33.2M	2.98%	46%	Federated Mutual Insurance Company, Federated Reserve Insurance Company, Federated Service Insurance Company, Granite Re, Inc.
10	West Bend Insurance Group	$30.9M	2.78%	34%	West Bend Insurance Company

Turned down?

Last resort for commercial auto in Minnesota

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 Minnesota insurance regulator company list, read 2026-10-18 and the surplus lines list. Minnesota Dept. of Commerce 'Insurance Supplement' financial summaries. admitted = every licensed Property and Casualty insurer (Domestic + Foreign and Alien), data year 2023, 921 rows (PDF total 921); P&C only (life/health insurers are a separate PDF, not included), so type is 'Property and Casualty' for all rows. No NAIC codes, no lines of authority and no license dates in the source: match by name + domicile. Rows with a status instead of financials (e.g. Liquidation) keep it in 'status'. surplus_lines = 'Eligible Property and Casualty Insurers, Surplus Lines--Foreign' (154) and '--Aliens' (21), data year 2021 (no 2023 edition published); these are the surplus lines insurers that reported Minnesota business, not an official eligibility roster (Commerce keeps none; Minn. Stat. 60A.206). Alien domicile codes are the PDF's own 2-letter country codes (UK, GE, IR, BU, BB, IT ...). The same PDF's accredited reinsurers (13) and registered risk retention groups (90) are excluded from surplus_lines. Source footer: unaudited, may contain inadvertent errors. "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.

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