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Directory · New York · Commercial auto

Who writes commercial auto in New York

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 York in 2025, $473.2M and 10.1% of the state's premium; the top five groups hold 37%. New York'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 York page.

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

Top 10 · NAIC table: Total Commercial Auto

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

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$473.2M10.05%68%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
2American Transit Insurance Company$418.7M8.89%71%—
3Liberty Mutual Group$384.1M8.16%73%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
4Travelers Group$249.4M5.30%75%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5Berkshire Hathaway Group$199.9M4.25%63%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
6Erie Insurance Group$175.8M3.74%124%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
7Hereford Holding Group$175.7M3.73%60%Hereford Insurance Company
8Fairfax Financial Group$170.5M3.62%92%United States Fire Insurance Company, Zenith Insurance Company, Hudson Insurance Company, North River Insurance Company (The)
9Utica Group$155.8M3.31%90%Utica Mutual Insurance Company, Republic-Franklin Insurance Company, Utica Lloyd's of Texas, Graphic Arts Mutual Insurance Company
10State Farm Group$121.0M2.57%188%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
Turned down?

Last resort for commercial auto in New York

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 Excess Line Association of New York (DFS-licensed and eligible excess line insurers) company list, read 2026-10-17 and the surplus lines list. "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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