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Directory · New Jersey · Commercial auto

Who writes commercial auto in New Jersey

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 New Jersey in 2025, $303.3M and 11.1% of the state's premium; the top five groups hold 38%. New Jersey'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 New Jersey page.

By Sam Alishahi, independent insurance broker · All lines in New Jersey

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in New Jersey

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$303.3M11.12%52%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
2Liberty Mutual Group$293.6M10.77%91%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
3Selective Insurance Group$184.7M6.77%84%Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
4New Jersey Manufacturers Group$138.6M5.08%93%New Jersey Casualty Insurance Company, New Jersey Indemnity Insurance Company, New Jersey Manufacturers Insurance Company, New Jersey Re-Insurance Company
5Travelers Group$117.4M4.30%63%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
6Berkshire Hathaway Group$75.1M2.75%49%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
7Old Republic Group$73.2M2.68%78%Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
8Zurich Insurance Group$72.1M2.65%67%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
9American International Group$72.1M2.64%86%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
10Utica Group$63.5M2.33%64%Utica Mutual Insurance Company, Republic-Franklin Insurance Company, Utica Lloyd's of Texas, Graphic Arts Mutual Insurance Company
Turned down?

Last resort for commercial auto in New Jersey

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 New Jersey insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted list 'Licensed Insurance Carriers' (Last-Modified: Sat, 17 Oct 2026 15:16:06 GMT) covers every licensed carrier of every kind (P&C, life, health, title, fraternal, HMO...). It gives name, address, phone, NAIC number only: no company type, no lines, no domicile, no license date, so everything is kept and type/lines/domicile/since are empty; filter P&C by NAIC code against another source. Extra fields addr_state/address/phone are the mailing address on the list, not the state of domicile. 25 rows show 'NAIC No. 0' on the list (managed-care / medical-review vendors and purchasing alliances, not insurers) and are kept with naic=''. 6 exact repeats (same NAIC + name, second address) were collapsed to one row. White list prints the same NAIC code for more than one company (kept as printed, verify before matching): 13064 = Tudor Insurance Co. / United National Insurance Co.. Surplus Lines White List dated 2026-09-16: 219 foreign/domestic eligible insurers with 5-digit NAIC codes (domicile NJ set only for the domestic section; foreign rows have no domicile on the list) and 95 alien insurers carried with naic='' and their NAIC IID/AIN number in the extra 'ain' field. 'eligible' is filled only where a footnote gives an approval effective date (this release's additions); other rows have no date on the list. Footnote markers like (A-3)/(NC-3) are stripped from names. "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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