
Who writes personal auto in North Carolina
Ranked by direct premium written in 2025 from the North Carolina market share report (every company, not a top-N list).
129 companies wrote personal auto in North Carolina in 2025, $9.97B in direct premium. State Farm Mutual Automobile Insurance Company led with 14.6%; the top five hold 47%. 370 companies are licensed for the line.
By Sam Alishahi, independent insurance broker · All lines in North Carolina
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | State Farm Mutual Automobile Insurance Company | 25178 | IL | Admitted (licensed) | $1.46B | 14.64% |
| 2 | North Carolina Farm Bur Mut Ins Co | 14842 | NC | Admitted (licensed) | $1.04B | 10.41% |
| 3 | Progressive Premier Insurance Company of Illinois | 21735 | OH | Admitted (licensed) | $909.6M | 9.12% |
| 4 | Integon Indemnity Corporation | 22772 | IL | Admitted (licensed) | $653.6M | 6.56% |
| 5 | Progressive Southeastern Insurance Company | 38784 | IN | Admitted (licensed) | $627.3M | 6.29% |
| 6 | Government Employees Insurance Company | 22063 | NE | Admitted (licensed) | $564.3M | 5.66% |
| 7 | Allstate Property and Casualty Insurance Company | 17230 | IL | Admitted (licensed) | $521.5M | 5.23% |
| 8 | GEICO Indemnity Company | 22055 | NE | Admitted (licensed) | $475.7M | 4.77% |
| 9 | Integon General Insurance Corporation | 22780 | NC | Admitted (licensed) | $367.7M | 3.69% |
| 10 | Integon Preferred Insurance Company | 31488 | IL | Admitted (licensed) | $358.1M | 3.59% |
| 11 | Erie Insurance Exchange | 26271 | PA | Admitted (licensed) | $314.1M | 3.15% |
| 12 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $262.7M | 2.63% |
| 13 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $234.1M | 2.35% |
| 14 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $186.9M | 1.87% |
| 15 | Nationwide Mutual Insurance Company | 23787 | OH | Admitted (licensed) | $157.0M | 1.57% |
| 16 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $151.7M | 1.52% |
| 17 | Erie Insurance Company | 26263 | PA | Admitted (licensed) | $131.1M | 1.31% |
| 18 | Owners Insurance Company | 32700 | OH | Admitted (licensed) | $129.2M | 1.30% |
| 19 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $127.6M | 1.28% |
| 20 | Nationwide Insurance Company of America | 25453 | OH | Admitted (licensed) | $117.9M | 1.18% |
| 21 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $117.1M | 1.17% |
| 22 | Peak Property and Casualty Insurance Corporation | 18139 | WI | Admitted (licensed) | $111.8M | 1.12% |
| 23 | Travelers Home and Marine Insurance Company (The) | 27998 | CT | Admitted (licensed) | $106.8M | 1.07% |
| 24 | American States Insurance Company | 19704 | IN | Admitted (licensed) | $80.4M | 0.81% |
| 25 | Auto-Owners Insurance Company | 18988 | MI | Admitted (licensed) | $74.2M | 0.74% |
| 26 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $60.7M | 0.61% |
| 27 | The Members Ins Co | 12617 | NC | Admitted (licensed) | $53.8M | 0.54% |
| 28 | Pennsylvania National Mutual Casualty Insurance Company | 14990 | PA | Admitted (licensed) | $53.8M | 0.54% |
| 29 | Integon National Insurance Company | 29742 | IL | Admitted (licensed) | $49.2M | 0.49% |
| 30 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $45.2M | 0.45% |
| 31 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $35.9M | 0.36% |
| 32 | Allstate Indemnity Company | 19240 | IL | Admitted (licensed) | $34.7M | 0.35% |
| 33 | Discovery Ins Co | 22635 | NC | Admitted (licensed) | $27.8M | 0.28% |
| 34 | Permanent General Assurance Corporation of Ohio | 22906 | TN | Admitted (licensed) | $26.0M | 0.26% |
| 35 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $24.2M | 0.24% |
| 36 | Central Insurance Company | 20230 | OH | Admitted (licensed) | $23.8M | 0.24% |
| 37 | Cincinnati Casualty Company (The) | 28665 | OH | Admitted (licensed) | $19.4M | 0.19% |
| 38 | Horace Mann Insurance Company | 22578 | IL | Admitted (licensed) | $19.0M | 0.19% |
| 39 | Hartford Insurance Company of the Midwest | 37478 | IN | Admitted (licensed) | $17.5M | 0.18% |
| 40 | Economy Preferred Insurance Company | 38067 | IL | Admitted (licensed) | $17.4M | 0.17% |
| 41 | ECONOMY FIRE \u0026 CASUALTY COMPANY | 22926 | IL | Admitted (licensed) | $17.0M | 0.17% |
| 42 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $14.2M | 0.14% |
| 43 | American Family Connect Property and Casualty Insurance Company | 29068 | WI | Admitted (licensed) | $13.3M | 0.13% |
| 44 | Bankers Standard Insurance Company | 18279 | PA | Admitted (licensed) | $13.3M | 0.13% |
| 45 | Universal Insurance Company | 32972 | NC | Admitted (licensed) | $12.5M | 0.13% |
| 46 | HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY | 22756 | IL | Admitted (licensed) | $10.0M | 0.10% |
| 47 | Teachers Insurance Company | 22683 | IL | Admitted (licensed) | $10.0M | 0.10% |
| 48 | Essentia Insurance Company | 37915 | MO | Admitted (licensed) | $8.6M | 0.09% |
| 49 | Liberty Mutual Insurance Company | 23043 | MA | Admitted (licensed) | $8.2M | 0.08% |
| 50 | Progressive Universal Insurance Company | 21727 | WI | Admitted (licensed) | $7.8M | 0.08% |
| 51 | Southern General Insurance Company | 37141 | GA | Admitted (licensed) | $7.4M | 0.07% |
| 52 | Utica Mutual Insurance Company | 25976 | NY | Admitted (licensed) | $6.7M | 0.07% |
| 53 | Farmers Direct Property and Casualty Insurance Company | 25321 | RI | Admitted (licensed) | $5.9M | 0.06% |
| 54 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $5.7M | 0.06% |
| 55 | Philadelphia Indemnity Insurance Company | 18058 | PA | Admitted (licensed) | $4.1M | 0.04% |
| 56 | Insurance Company of the South | 11162 | GA | Admitted (licensed) | $4.1M | 0.04% |
| 57 | Greenville Casualty Insurance Company, Inc. | 11128 | SC | Admitted (licensed) | $3.4M | 0.03% |
| 58 | Hartford Underwriters Insurance Company | 30104 | CT | Admitted (licensed) | $3.3M | 0.03% |
| 59 | Property and Casualty Insurance Company of Hartford | 34690 | IN | Admitted (licensed) | $2.9M | 0.03% |
| 60 | Lyndon Southern Insurance Company | 10051 | DE | Admitted (licensed) | $2.4M | 0.02% |
| 61 | Truck Insurance Exchange | 21709 | CA | Admitted (licensed) | $2.2M | 0.02% |
| 62 | Hartford Accident and Indemnity Company | 22357 | CT | Admitted (licensed) | $2.2M | 0.02% |
| 63 | NGM Insurance Company | 14788 | FL | Admitted (licensed) | $2.0M | 0.02% |
| 64 | AIG Property Casualty Company | 19402 | IL | Admitted (licensed) | $1.9M | 0.02% |
| 65 | Economy Premier Assurance Company | 40649 | IL | Admitted (licensed) | $1.7M | 0.02% |
| 66 | Sentry Select Insurance Company | 21180 | WI | Admitted (licensed) | $1.3M | 0.01% |
| 67 | State National Insurance Company, Inc. | 12831 | TX | Admitted (licensed) | $909,384 | 0.01% |
| 68 | Standard Fire Insurance Company (The) | 19070 | CT | Admitted (licensed) | $889,008 | 0.01% |
| 69 | Grain Dealers Mutual Insurance Company | 22098 | IN | Admitted (licensed) | $757,264 | 0.01% |
| 70 | Nutmeg Insurance Company | 39608 | CT | Admitted (licensed) | $629,335 | 0.01% |
| 71 | American Family Home Insurance Company | 23450 | FL | Admitted (licensed) | $617,101 | 0.01% |
| 72 | American States Preferred Insurance Company | 37214 | IN | Admitted (licensed) | $532,170 | 0.01% |
| 73 | National Specialty Insurance Company | 22608 | TX | Admitted (licensed) | $448,495 | 0.00% |
| 74 | Ohio Security Insurance Company | 24082 | NH | Admitted (licensed) | $431,901 | 0.00% |
| 75 | Hartford Casualty Insurance Company | 29424 | IN | Admitted (licensed) | $376,208 | 0.00% |
| 76 | Frankenmuth Insurance Company | 13986 | MI | Admitted (licensed) | $369,469 | 0.00% |
| 77 | Agent Alliance Insurance Company | 10389 | AL | Admitted (licensed) | $368,803 | 0.00% |
| 78 | General Insurance Company of America | 24732 | NH | Admitted (licensed) | $357,892 | 0.00% |
| 79 | Spinnaker Insurance Company | 24376 | IL | Admitted (licensed) | $341,992 | 0.00% |
| 80 | Builders Mutual Insurance Company | 10844 | NC | Admitted (licensed) | $319,231 | 0.00% |
| 81 | Republic-Franklin Insurance Company | 12475 | OH | Admitted (licensed) | $317,327 | 0.00% |
| 82 | Phoenix Insurance Company, (The) | 25623 | CT | Admitted (licensed) | $290,065 | 0.00% |
| 83 | Vault Reciprocal Exchange, Vault Risk Management Services, LLC A/I/F | 16186 | FL | Admitted (licensed) | $281,364 | 0.00% |
| 84 | Selective Insurance Company of America | 12572 | NJ | Admitted (licensed) | $271,281 | 0.00% |
| 85 | Travelers Indemnity Company (The) | 25658 | CT | Admitted (licensed) | $238,979 | 0.00% |
| 86 | National General Insurance Company | 23728 | IL | Admitted (licensed) | $188,702 | 0.00% |
| 87 | Travelers Personal Security Insurance Company | 36145 | CT | Admitted (licensed) | $184,812 | 0.00% |
| 88 | Foremost Property and Casualty Insurance Company | 11800 | MI | Admitted (licensed) | $173,516 | 0.00% |
| 89 | Selective Insurance Company of the Southeast | 39926 | IN | Admitted (licensed) | $157,507 | 0.00% |
| 90 | Nationwide Property and Casualty Insurance Company | 37877 | OH | Admitted (licensed) | $156,115 | 0.00% |
| 91 | Selective Insurance Company of South Carolina | 19259 | IN | Admitted (licensed) | $155,372 | 0.00% |
| 92 | Travelers Indemnity Company of America (The) | 25666 | CT | Admitted (licensed) | $140,789 | 0.00% |
| 93 | Trumbull Insurance Company | 27120 | CT | Admitted (licensed) | $127,580 | 0.00% |
| 94 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $121,720 | 0.00% |
| 95 | Sentinel Insurance Company, Limited | 11000 | CT | Admitted (licensed) | $107,235 | 0.00% |
| 96 | Tri-State Insurance Company of Minnesota | 31003 | IA | Admitted (licensed) | $93,962 | 0.00% |
| 97 | Cincinnati Indemnity Company (The) | 23280 | OH | Admitted (licensed) | $92,647 | 0.00% |
| 98 | Travelers Indemnity Company of Connecticut (The) | 25682 | CT | Admitted (licensed) | $74,942 | 0.00% |
| 99 | First National Insurance Company of America | 24724 | NH | Admitted (licensed) | $73,379 | 0.00% |
| 100 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $71,559 | 0.00% |
| 101 | Ohio Casualty Insurance Company (The) | 24074 | NH | Admitted (licensed) | $64,102 | 0.00% |
| 102 | Federated Mutual Insurance Company | 13935 | MN | Admitted (licensed) | $61,569 | 0.00% |
| 103 | Graphic Arts Mutual Insurance Company | 25984 | NY | Admitted (licensed) | $52,866 | 0.00% |
| 104 | Sentry Insurance Company | 24988 | WI | Admitted (licensed) | $48,108 | 0.00% |
| 105 | Kemper Independence Insurance Company | 10914 | IL | Admitted (licensed) | $45,045 | 0.00% |
| 106 | Hartford Fire Insurance Company | 19682 | CT | Admitted (licensed) | $42,259 | 0.00% |
| 107 | Charter Oak Fire Insurance Company, (The) | 25615 | CT | Admitted (licensed) | $39,794 | 0.00% |
| 108 | Acadia Insurance Company | 31325 | IA | Admitted (licensed) | $30,847 | 0.00% |
| 109 | Federal Insurance Company | 20281 | IN | Admitted (licensed) | $25,822 | 0.00% |
| 110 | Continental Western Insurance Company | 10804 | IA | Admitted (licensed) | $21,208 | 0.00% |
| 111 | Federated Service Insurance Company | 28304 | MN | Admitted (licensed) | $19,546 | 0.00% |
| 112 | Unitrin Safeguard Insurance Company | 40703 | WI | Admitted (licensed) | $18,835 | 0.00% |
| 113 | West American Insurance Company | 44393 | IN | Admitted (licensed) | $9,624 | 0.00% |
| 114 | Unitrin Auto and Home Insurance Company | 16063 | NY | Admitted (licensed) | $8,799 | 0.00% |
| 115 | Firemen's Insurance Company of Washington, D. C. | 21784 | IA | Admitted (licensed) | $8,665 | 0.00% |
| 116 | Berkley Regional Insurance Company | 29580 | IA | Admitted (licensed) | $7,915 | 0.00% |
| 117 | Intrepid Casualty Company | 17182 | IA | Admitted (licensed) | $7,487 | 0.00% |
| 118 | Berkley National Insurance Company | 38911 | IA | Admitted (licensed) | $7,392 | 0.00% |
| 119 | Federated Reserve Insurance Company | 16024 | MN | Admitted (licensed) | $6,547 | 0.00% |
| 120 | Intrepid Insurance Company | 10749 | IA | Admitted (licensed) | $5,433 | 0.00% |
| 121 | Ansur America Insurance Company | 10984 | MI | Admitted (licensed) | $4,427 | 0.00% |
| 122 | Middlesex Insurance Company | 23434 | WI | Admitted (licensed) | $3,049 | 0.00% |
| 123 | American Fire and Casualty Company | 24066 | NH | Admitted (licensed) | $2,951 | 0.00% |
| 124 | Union Insurance Company | 25844 | IA | Admitted (licensed) | $1,732 | 0.00% |
| 125 | Infinity Insurance Company | 22268 | IN | Admitted (licensed) | $1,390 | 0.00% |
| 126 | Great Divide Insurance Company | 25224 | ND | Admitted (licensed) | $933 | 0.00% |
| 127 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $548 | 0.00% |
| 128 | Builders Premier Insurance Company | 13036 | NC | Admitted (licensed) | $335 | 0.00% |
| 129 | Farm Bureau Ins Of Nc Inc | 10034 | NC | Admitted (licensed) | $201 | 0.00% |
Method and source
Source: the North Carolina insurance regulator company list, read 2026-10-18 and the surplus lines list. NCDOI P7 Property and Casualty Experience, year ended 12/31/2025: every company that filed an NC state page (P&C annual statement). 'admitted' = rows whose 'Licensed in NC' column reads 'Licensed' (includes zero-premium licensed companies and NC self-insured workers' comp funds, which have no NAIC code and type 'Self-Insured Workers' Compensation'). 'surplus_lines' = rows reading 'Authorized Surplus Lines Writer' (US nonadmitted insurers that wrote NC surplus lines business that year; alien/Lloyd's not broken out, eligible date not given). Rows 'Not Licensed' or blank (mostly risk retention groups) are dropped. 'type' = Business Type / Company Type [/ Company Sub Type]; all rows are Property and Casualty filers (no life/health in this file). 'lines' = NAIC annual-statement lines of business the company reported in NC with direct premium written or earned > 0 that year (lines actually written, not certificate-of-authority lines). 'since' not given. Status counts in file: {'Licensed': 825, '': 73, 'Authorized Surplus Lines Writer': 193, 'Not Licensed': 39}. "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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