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Directory · North Carolina · Personal auto

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

Top 10 · NAIC table: Total Private Passenger Auto

The insurer groups that write the most personal auto in North Carolina

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
1Allstate Insurance Group$2.03B20.36%56%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
2Progressive Group$1.54B15.49%61%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
3State Farm Group$1.46B14.64%61%State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
4Berkshire Hathaway Group$1.04B10.43%66%GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
5North Carolina Farm Bureau Group$1.04B10.41%62%North Carolina Farm Bur Mut Ins Co, Farm Bureau Ins Of Nc Inc
6United Serv Automobile Assn Group$800.8M8.03%65%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
7Erie Insurance Group$445.1M4.46%64%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
8Nationwide Corporation Group$426.7M4.28%45%Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
9Liberty Mutual Group$217.9M2.19%56%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
10Auto Owners Group$203.5M2.04%68%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
Personal auto · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1State Farm Mutual Automobile Insurance Company25178ILAdmitted (licensed)$1.46B14.64%
2North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$1.04B10.41%
3Progressive Premier Insurance Company of Illinois21735OHAdmitted (licensed)$909.6M9.12%
4Integon Indemnity Corporation22772ILAdmitted (licensed)$653.6M6.56%
5Progressive Southeastern Insurance Company38784INAdmitted (licensed)$627.3M6.29%
6Government Employees Insurance Company22063NEAdmitted (licensed)$564.3M5.66%
7Allstate Property and Casualty Insurance Company17230ILAdmitted (licensed)$521.5M5.23%
8GEICO Indemnity Company22055NEAdmitted (licensed)$475.7M4.77%
9Integon General Insurance Corporation22780NCAdmitted (licensed)$367.7M3.69%
10Integon Preferred Insurance Company31488ILAdmitted (licensed)$358.1M3.59%
11Erie Insurance Exchange26271PAAdmitted (licensed)$314.1M3.15%
12United Services Automobile Association, USAA Reciprocal, Attorney-in-fact25941TXAdmitted (licensed)$262.7M2.63%
13USAA Casualty Insurance Company25968TXAdmitted (licensed)$234.1M2.35%
14USAA General Indemnity Company18600TXAdmitted (licensed)$186.9M1.87%
15Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$157.0M1.57%
16Nationwide General Insurance Company23760OHAdmitted (licensed)$151.7M1.52%
17Erie Insurance Company26263PAAdmitted (licensed)$131.1M1.31%
18Owners Insurance Company32700OHAdmitted (licensed)$129.2M1.30%
19L M Insurance Corporation33600ILAdmitted (licensed)$127.6M1.28%
20Nationwide Insurance Company of America25453OHAdmitted (licensed)$117.9M1.18%
21Garrison Property and Casualty Insurance Company21253TXAdmitted (licensed)$117.1M1.17%
22Peak Property and Casualty Insurance Corporation18139WIAdmitted (licensed)$111.8M1.12%
23Travelers Home and Marine Insurance Company (The)27998CTAdmitted (licensed)$106.8M1.07%
24American States Insurance Company19704INAdmitted (licensed)$80.4M0.81%
25Auto-Owners Insurance Company18988MIAdmitted (licensed)$74.2M0.74%
26Amica Mutual Insurance Company, The19976RIAdmitted (licensed)$60.7M0.61%
27The Members Ins Co12617NCAdmitted (licensed)$53.8M0.54%
28Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$53.8M0.54%
29Integon National Insurance Company29742ILAdmitted (licensed)$49.2M0.49%
30Allstate Insurance Company19232ILAdmitted (licensed)$45.2M0.45%
31Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$35.9M0.36%
32Allstate Indemnity Company19240ILAdmitted (licensed)$34.7M0.35%
33Discovery Ins Co22635NCAdmitted (licensed)$27.8M0.28%
34Permanent General Assurance Corporation of Ohio22906TNAdmitted (licensed)$26.0M0.26%
35Farmers Property and Casualty Insurance Company26298RIAdmitted (licensed)$24.2M0.24%
36Central Insurance Company20230OHAdmitted (licensed)$23.8M0.24%
37Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$19.4M0.19%
38Horace Mann Insurance Company22578ILAdmitted (licensed)$19.0M0.19%
39Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$17.5M0.18%
40Economy Preferred Insurance Company38067ILAdmitted (licensed)$17.4M0.17%
41ECONOMY FIRE \u0026 CASUALTY COMPANY22926ILAdmitted (licensed)$17.0M0.17%
42Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact12873FLAdmitted (licensed)$14.2M0.14%
43American Family Connect Property and Casualty Insurance Company29068WIAdmitted (licensed)$13.3M0.13%
44Bankers Standard Insurance Company18279PAAdmitted (licensed)$13.3M0.13%
45Universal Insurance Company32972NCAdmitted (licensed)$12.5M0.13%
46HORACE MANN PROPERTY \u0026 CASUALTY INSURANCE COMPANY22756ILAdmitted (licensed)$10.0M0.10%
47Teachers Insurance Company22683ILAdmitted (licensed)$10.0M0.10%
48Essentia Insurance Company37915MOAdmitted (licensed)$8.6M0.09%
49Liberty Mutual Insurance Company23043MAAdmitted (licensed)$8.2M0.08%
50Progressive Universal Insurance Company21727WIAdmitted (licensed)$7.8M0.08%
51Southern General Insurance Company37141GAAdmitted (licensed)$7.4M0.07%
52Utica Mutual Insurance Company25976NYAdmitted (licensed)$6.7M0.07%
53Farmers Direct Property and Casualty Insurance Company25321RIAdmitted (licensed)$5.9M0.06%
54Foremost Insurance Company Grand Rapids, Michigan11185MIAdmitted (licensed)$5.7M0.06%
55Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$4.1M0.04%
56Insurance Company of the South11162GAAdmitted (licensed)$4.1M0.04%
57Greenville Casualty Insurance Company, Inc.11128SCAdmitted (licensed)$3.4M0.03%
58Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$3.3M0.03%
59Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$2.9M0.03%
60Lyndon Southern Insurance Company10051DEAdmitted (licensed)$2.4M0.02%
61Truck Insurance Exchange21709CAAdmitted (licensed)$2.2M0.02%
62Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$2.2M0.02%
63NGM Insurance Company14788FLAdmitted (licensed)$2.0M0.02%
64AIG Property Casualty Company19402ILAdmitted (licensed)$1.9M0.02%
65Economy Premier Assurance Company40649ILAdmitted (licensed)$1.7M0.02%
66Sentry Select Insurance Company21180WIAdmitted (licensed)$1.3M0.01%
67State National Insurance Company, Inc.12831TXAdmitted (licensed)$909,3840.01%
68Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$889,0080.01%
69Grain Dealers Mutual Insurance Company22098INAdmitted (licensed)$757,2640.01%
70Nutmeg Insurance Company39608CTAdmitted (licensed)$629,3350.01%
71American Family Home Insurance Company23450FLAdmitted (licensed)$617,1010.01%
72American States Preferred Insurance Company37214INAdmitted (licensed)$532,1700.01%
73National Specialty Insurance Company22608TXAdmitted (licensed)$448,4950.00%
74Ohio Security Insurance Company24082NHAdmitted (licensed)$431,9010.00%
75Hartford Casualty Insurance Company29424INAdmitted (licensed)$376,2080.00%
76Frankenmuth Insurance Company13986MIAdmitted (licensed)$369,4690.00%
77Agent Alliance Insurance Company10389ALAdmitted (licensed)$368,8030.00%
78General Insurance Company of America24732NHAdmitted (licensed)$357,8920.00%
79Spinnaker Insurance Company24376ILAdmitted (licensed)$341,9920.00%
80Builders Mutual Insurance Company10844NCAdmitted (licensed)$319,2310.00%
81Republic-Franklin Insurance Company12475OHAdmitted (licensed)$317,3270.00%
82Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$290,0650.00%
83Vault Reciprocal Exchange, Vault Risk Management Services, LLC A/I/F16186FLAdmitted (licensed)$281,3640.00%
84Selective Insurance Company of America12572NJAdmitted (licensed)$271,2810.00%
85Travelers Indemnity Company (The)25658CTAdmitted (licensed)$238,9790.00%
86National General Insurance Company23728ILAdmitted (licensed)$188,7020.00%
87Travelers Personal Security Insurance Company36145CTAdmitted (licensed)$184,8120.00%
88Foremost Property and Casualty Insurance Company11800MIAdmitted (licensed)$173,5160.00%
89Selective Insurance Company of the Southeast39926INAdmitted (licensed)$157,5070.00%
90Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$156,1150.00%
91Selective Insurance Company of South Carolina19259INAdmitted (licensed)$155,3720.00%
92Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$140,7890.00%
93Trumbull Insurance Company27120CTAdmitted (licensed)$127,5800.00%
94Safeco Insurance Company of America24740NHAdmitted (licensed)$121,7200.00%
95Sentinel Insurance Company, Limited11000CTAdmitted (licensed)$107,2350.00%
96Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$93,9620.00%
97Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$92,6470.00%
98Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$74,9420.00%
99First National Insurance Company of America24724NHAdmitted (licensed)$73,3790.00%
100American Modern Property and Casualty Insurance Company42722OHAdmitted (licensed)$71,5590.00%
101Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$64,1020.00%
102Federated Mutual Insurance Company13935MNAdmitted (licensed)$61,5690.00%
103Graphic Arts Mutual Insurance Company25984NYAdmitted (licensed)$52,8660.00%
104Sentry Insurance Company24988WIAdmitted (licensed)$48,1080.00%
105Kemper Independence Insurance Company10914ILAdmitted (licensed)$45,0450.00%
106Hartford Fire Insurance Company19682CTAdmitted (licensed)$42,2590.00%
107Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$39,7940.00%
108Acadia Insurance Company31325IAAdmitted (licensed)$30,8470.00%
109Federal Insurance Company20281INAdmitted (licensed)$25,8220.00%
110Continental Western Insurance Company10804IAAdmitted (licensed)$21,2080.00%
111Federated Service Insurance Company28304MNAdmitted (licensed)$19,5460.00%
112Unitrin Safeguard Insurance Company40703WIAdmitted (licensed)$18,8350.00%
113West American Insurance Company44393INAdmitted (licensed)$9,6240.00%
114Unitrin Auto and Home Insurance Company16063NYAdmitted (licensed)$8,7990.00%
115Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$8,6650.00%
116Berkley Regional Insurance Company29580IAAdmitted (licensed)$7,9150.00%
117Intrepid Casualty Company17182IAAdmitted (licensed)$7,4870.00%
118Berkley National Insurance Company38911IAAdmitted (licensed)$7,3920.00%
119Federated Reserve Insurance Company16024MNAdmitted (licensed)$6,5470.00%
120Intrepid Insurance Company10749IAAdmitted (licensed)$5,4330.00%
121Ansur America Insurance Company10984MIAdmitted (licensed)$4,4270.00%
122Middlesex Insurance Company23434WIAdmitted (licensed)$3,0490.00%
123American Fire and Casualty Company24066NHAdmitted (licensed)$2,9510.00%
124Union Insurance Company25844IAAdmitted (licensed)$1,7320.00%
125Infinity Insurance Company22268INAdmitted (licensed)$1,3900.00%
126Great Divide Insurance Company25224NDAdmitted (licensed)$9330.00%
127American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$5480.00%
128Builders Premier Insurance Company13036NCAdmitted (licensed)$3350.00%
129Farm Bureau Ins Of Nc Inc10034NCAdmitted (licensed)$2010.00%
Turned down?

Last resort for personal auto in North Carolina

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 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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