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Directory · North Carolina · Commercial auto

Who writes commercial 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).

407 companies wrote commercial auto in North Carolina in 2025, $2.07B in direct premium. Progressive Southeastern Insurance Company led with 12.6%; the top five hold 30%. 414 companies are licensed for the line.

By Sam Alishahi, independent insurance broker · All lines in North Carolina

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial 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
1Progressive Group$304.7M14.74%39%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
2Allstate Insurance Group$169.1M8.18%69%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
3Auto Owners Group$121.6M5.88%52%Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
4Travelers Group$113.4M5.48%54%Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5Erie Insurance Group$103.9M5.02%69%Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
6Old Republic Group$73.9M3.57%80%Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
7American International Group$72.7M3.52%61%National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
8North Carolina Farm Bureau Group$66.6M3.22%66%North Carolina Farm Bur Mut Ins Co, Farm Bureau Ins Of Nc Inc
9Zurich Insurance Group$64.4M3.11%44%Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
10Selective Insurance Group$51.4M2.48%58%Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
Commercial auto · North Carolina

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Progressive Southeastern Insurance Company38784INAdmitted (licensed)$260.4M12.58%
2Integon Indemnity Corporation22772ILAdmitted (licensed)$131.3M6.34%
3Erie Insurance Exchange26271PAAdmitted (licensed)$103.4M5.00%
4North Carolina Farm Bur Mut Ins Co14842NCAdmitted (licensed)$66.6M3.22%
5National Union Fire Insurance Company of Pittsburgh, Pennsylvania19445PAAdmitted (licensed)$62.0M2.99%
6Owners Insurance Company32700OHAdmitted (licensed)$57.2M2.76%
7Zurich American Insurance Company16535NYAdmitted (licensed)$51.9M2.51%
8Auto-Owners Insurance Company18988MIAdmitted (licensed)$50.0M2.42%
9Old Republic Insurance Company24147PAAdmitted (licensed)$39.2M1.89%
10Cincinnati Insurance Company (The)10677OHAdmitted (licensed)$37.5M1.81%
11United Financial Casualty Company11770OHAdmitted (licensed)$36.3M1.75%
12Mobilitas Insurance Company16392AZSurplus lines (eligible)$35.4M1.71%
13Builders Mutual Insurance Company10844NCAdmitted (licensed)$35.2M1.70%
14State Farm Mutual Automobile Insurance Company25178ILAdmitted (licensed)$32.1M1.55%
15Frankenmuth Insurance Company13986MIAdmitted (licensed)$29.8M1.44%
16Travelers Property Casualty Company of America25674CTAdmitted (licensed)$27.0M1.31%
17Federated Mutual Insurance Company13935MNAdmitted (licensed)$26.6M1.28%
18Integon General Insurance Corporation22780NCAdmitted (licensed)$26.2M1.27%
19Incline Casualty Company11090TXAdmitted (licensed)$26.2M1.27%
20West Bend Insurance Company15350WIAdmitted (licensed)$25.2M1.22%
21Hartford Fire Insurance Company19682CTAdmitted (licensed)$24.9M1.20%
22Stonewood Insurance Company11828OHAdmitted (licensed)$23.0M1.11%
23Great West Casualty Company11371NEAdmitted (licensed)$22.1M1.07%
24Pennsylvania National Mutual Casualty Insurance Company14990PAAdmitted (licensed)$21.1M1.02%
25Arch Insurance (UK) Limited11150MOAdmitted (licensed)$20.7M1.00%
26Selective Insurance Company of America12572NJAdmitted (licensed)$20.6M1.00%
27Selective Insurance Company of the Southeast39926INAdmitted (licensed)$18.8M0.91%
28Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$18.7M0.90%
29Canal Insurance Company10464SCAdmitted (licensed)$17.1M0.83%
30National Indemnity Company20087NEAdmitted (licensed)$16.1M0.78%
31Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$15.2M0.73%
32EMPLOYERS MUTUAL CASUALTY COMPANY Employers Mutual Casualty Company)21415IAAdmitted (licensed)$15.0M0.72%
33Travelers Indemnity Company (The)25658CTAdmitted (licensed)$14.9M0.72%
34National Interstate Insurance Company32620OHAdmitted (licensed)$14.9M0.72%
35Atlantic Casualty Insurance Company42846NCAdmitted (licensed)$14.3M0.69%
36Northland Insurance Company24015CTAdmitted (licensed)$14.2M0.69%
37Liberty Mutual Fire Insurance Company23035WIAdmitted (licensed)$13.7M0.66%
38Berkshire Hathaway Homestate Insurance Company20044NEAdmitted (licensed)$13.1M0.63%
39Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$12.8M0.62%
40Integon National Insurance Company29742ILAdmitted (licensed)$11.6M0.56%
41Allmerica Financial Benefit Insurance Company41840MIAdmitted (licensed)$11.4M0.55%
42Selective Insurance Company of South Carolina19259INAdmitted (licensed)$10.2M0.49%
43Greenwich Insurance Company22322DEAdmitted (licensed)$10.0M0.48%
44Central Insurance Company20230OHAdmitted (licensed)$9.9M0.48%
45Penn National Security Insurance Company32441PAAdmitted (licensed)$9.8M0.47%
46Sentry Select Insurance Company21180WIAdmitted (licensed)$9.7M0.47%
47Empire Fire and Marine Insurance Company21326ILAdmitted (licensed)$8.9M0.43%
48Travelers Casualty Insurance Company of America19046CTAdmitted (licensed)$8.6M0.42%
49Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$8.4M0.41%
50Trumbull Insurance Company27120CTAdmitted (licensed)$8.4M0.40%
51Federal Insurance Company20281INAdmitted (licensed)$8.1M0.39%
52Protective Insurance Company12416INAdmitted (licensed)$8.0M0.39%
53Ace American Insurance Company22667PAAdmitted (licensed)$8.0M0.39%
54STARR INDEMNITY \u0026 LIABILITY COMPANY38318TXAdmitted (licensed)$7.9M0.38%
55Ohio Security Insurance Company24082NHAdmitted (licensed)$7.8M0.38%
56MS Transverse Insurance Company21075TXAdmitted (licensed)$7.2M0.35%
57Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$7.0M0.34%
58Key Risk Insurance Company10885IAAdmitted (licensed)$7.0M0.34%
59Continental Casualty Company20443ILAdmitted (licensed)$6.6M0.32%
60Federated Reserve Insurance Company16024MNAdmitted (licensed)$6.2M0.30%
61Spinnaker Insurance Company24376ILAdmitted (licensed)$6.0M0.29%
62Donegal Mutual Insurance Company13692PAAdmitted (licensed)$5.9M0.28%
63Middlesex Insurance Company23434WIAdmitted (licensed)$5.9M0.28%
64Great American Assurance Company26344OHAdmitted (licensed)$5.8M0.28%
65Safety National Casualty Corporation15105MOAdmitted (licensed)$5.8M0.28%
66Wesco Insurance Company25011DEAdmitted (licensed)$5.7M0.28%
67United States Fire Insurance Company21113DEAdmitted (licensed)$5.7M0.27%
68Sentry Insurance Company24988WIAdmitted (licensed)$5.5M0.27%
69AmGUARD Insurance Company42390NEAdmitted (licensed)$5.5M0.27%
70BITCO General Insurance Corporation20095IAAdmitted (licensed)$5.5M0.26%
71Cincinnati Indemnity Company (The)23280OHAdmitted (licensed)$5.4M0.26%
72Berkley Casualty Company15911IAAdmitted (licensed)$5.3M0.25%
73Everspan Insurance Company24961AZAdmitted (licensed)$5.2M0.25%
74Pennsylvania Manufacturers' Association Insurance Company12262PAAdmitted (licensed)$5.2M0.25%
75Utica Mutual Insurance Company25976NYAdmitted (licensed)$5.1M0.25%
76Westfield Insurance Company24112OHAdmitted (licensed)$5.0M0.24%
77Carolina Casualty Insurance Company10510IAAdmitted (licensed)$5.0M0.24%
78National Fire Insurance Company of Hartford20478ILAdmitted (licensed)$4.9M0.23%
79Motors Insurance Corporation22012MIAdmitted (licensed)$4.8M0.23%
80Argonaut-Midwest Insurance Company19828NEAdmitted (licensed)$4.6M0.22%
81State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$4.6M0.22%
82Navigators Insurance Company42307NYAdmitted (licensed)$4.6M0.22%
83Cumis Insurance Society Incorporated10847IAAdmitted (licensed)$4.6M0.22%
84Lexington Insurance Company19437DESurplus lines (eligible)$4.5M0.22%
85Harford Mutual Insurance Company14141MDAdmitted (licensed)$4.3M0.21%
86Monroe Guaranty Insurance Company32506INAdmitted (licensed)$4.2M0.20%
87EMCASCO Insurance Company21407IAAdmitted (licensed)$4.2M0.20%
88Nutmeg Insurance Company39608CTAdmitted (licensed)$4.2M0.20%
89Acadia Insurance Company31325IAAdmitted (licensed)$3.9M0.19%
90Markel Insurance Company38970ILAdmitted (licensed)$3.8M0.18%
91Pennsylvania Lumbermen's Mutual Insurance Company14974PAAdmitted (licensed)$3.8M0.18%
921st Choice Advantage Insurance Company, Inc.10750PAAdmitted (licensed)$3.7M0.18%
93Vanliner Insurance Company21172OHAdmitted (licensed)$3.7M0.18%
94CorePointe Insurance Company10499DEAdmitted (licensed)$3.6M0.17%
95Lancer Insurance Company26077ILAdmitted (licensed)$3.5M0.17%
96NATIONAL LIABILITY \u0026 FIRE INSURANCE COMPANY20052CTAdmitted (licensed)$3.5M0.17%
97EMC PROPERTY \u0026 CASUALTY COMPANY25186IAAdmitted (licensed)$3.4M0.16%
98Union Insurance Company25844IAAdmitted (licensed)$3.3M0.16%
99RLI Insurance Company13056ILAdmitted (licensed)$3.3M0.16%
100Atlantic States Insurance Company22586PAAdmitted (licensed)$3.2M0.15%
101Intrepid Specialty Insurance Company17181IASurplus lines (eligible)$3.1M0.15%
102SiriusPoint America Insurance Company38776NYAdmitted (licensed)$3.0M0.15%
103Granada Indemnity Company38148NYAdmitted (licensed)$2.9M0.14%
104Mobilitas General Insurance Company10675AZAdmitted (licensed)$2.8M0.13%
105American Guarantee and Liability Insurance Company26247NYAdmitted (licensed)$2.7M0.13%
106Tokio Marine America Insurance Company10945NYAdmitted (licensed)$2.7M0.13%
107Graphic Arts Mutual Insurance Company25984NYAdmitted (licensed)$2.7M0.13%
108StarStone National Insurance Company25496DEAdmitted (licensed)$2.6M0.13%
109Ascot Insurance Company23752COAdmitted (licensed)$2.6M0.13%
110AIG Specialty Insurance Company26883ILSurplus lines (eligible)$2.6M0.13%
111New Hampshire Insurance Company23841ILAdmitted (licensed)$2.5M0.12%
112NATIONAL FIRE \u0026 MARINE INSURANCE COMPANY\20079NESurplus lines (eligible)$2.5M0.12%
113Everest Denali Insurance Company16044DEAdmitted (licensed)$2.5M0.12%
114Cincinnati Casualty Company (The)28665OHAdmitted (licensed)$2.5M0.12%
115Obsidian Pacific Insurance Company26395DEAdmitted (licensed)$2.4M0.12%
116Firemen's Insurance Company of Washington, D. C.21784IAAdmitted (licensed)$2.4M0.12%
117Great Northern Insurance Company20303INAdmitted (licensed)$2.4M0.12%
118Continental Insurance Company, (The)35289PAAdmitted (licensed)$2.4M0.12%
119Falls Lake National Insurance Company31925OHAdmitted (licensed)$2.4M0.12%
120FCCI Insurance Company10178FLAdmitted (licensed)$2.4M0.11%
121Hartford Accident and Indemnity Company22357CTAdmitted (licensed)$2.4M0.11%
122Church Mutual Insurance Company, S. I.18767WIAdmitted (licensed)$2.3M0.11%
123AXIS Insurance Company37273ILAdmitted (licensed)$2.3M0.11%
124Federated Service Insurance Company28304MNAdmitted (licensed)$2.3M0.11%
125Harleysville Insurance Company of New York10674OHSurplus lines (eligible)$2.3M0.11%
126Nationwide Mutual Insurance Company10723OHAdmitted (licensed)$2.2M0.11%
127Allied World Surplus Lines Insurance Company24319ARSurplus lines (eligible)$2.1M0.10%
128Brotherhood Mutual Insurance Company13528INAdmitted (licensed)$2.1M0.10%
129Amerisure Insurance Company19488MIAdmitted (licensed)$2.1M0.10%
130Cimarron Insurance Company, Inc.20400AZAdmitted (licensed)$2.1M0.10%
131Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$2.1M0.10%
132Transportation Insurance Company20494ILAdmitted (licensed)$1.9M0.09%
133StarStone Specialty Insurance Company44776DESurplus lines (eligible)$1.9M0.09%
134|Texas Insurance Company16543TXSurplus lines (eligible)$1.9M0.09%
135Manufacturers Alliance Insurance Company36897PAAdmitted (licensed)$1.9M0.09%
136NGM Insurance Company14788FLAdmitted (licensed)$1.9M0.09%
137Sompo America Insurance Company11126NYAdmitted (licensed)$1.9M0.09%
138Federated Rural Electric Insurance Exchange11118KSAdmitted (licensed)$1.8M0.09%
139Trisura Insurance Company22225OKAdmitted (licensed)$1.8M0.09%
140Utica National Assurance Company10687NYAdmitted (licensed)$1.8M0.09%
141Nationwide Affinity Insurance Company of America26093OHAdmitted (licensed)$1.8M0.09%
142Scottsdale Insurance Company41297OHSurplus lines (eligible)$1.8M0.09%
143TransGuard Insurance Company of America, Inc.28886ILAdmitted (licensed)$1.8M0.09%
144Nationwide Mutual Insurance Company23787OHAdmitted (licensed)$1.8M0.08%
145Valley Forge Insurance Company20508PAAdmitted (licensed)$1.7M0.08%
146Westfield National Insurance Company24120OHAdmitted (licensed)$1.7M0.08%
147Mesa Underwriters Specialty Insurance Company36838NJSurplus lines (eligible)$1.7M0.08%
148Imperium Insurance Company35408TXAdmitted (licensed)$1.7M0.08%
149Liberty Mutual Insurance Company23043MAAdmitted (licensed)$1.6M0.08%
150Everest National Insurance Company10120DEAdmitted (licensed)$1.6M0.08%
151Tri-State Insurance Company of Minnesota31003IAAdmitted (licensed)$1.6M0.08%
152Liberty Mutual Insurance Company42404ILAdmitted (licensed)$1.6M0.08%
153Republic-Franklin Insurance Company12475OHAdmitted (licensed)$1.5M0.07%
1541842 Insurance Company16862MDAdmitted (licensed)$1.5M0.07%
155Circle Star Insurance Company, A Risk Retention Group11839VTWrites (premium reported)$1.5M0.07%
156Nationwide General Insurance Company23760OHAdmitted (licensed)$1.5M0.07%
157Evolum Risk Retention Group, Inc.17646ALWrites (premium reported)$1.5M0.07%
158Mitsui Sumitomo Insurance Company of America20362NYAdmitted (licensed)$1.5M0.07%
159OCCIDENTAL FIRE \u0026 CASUALTY COMPANY OF NORTH CAROLINA23248NCAdmitted (licensed)$1.4M0.07%
160New York Marine and General Insurance Company16608NYAdmitted (licensed)$1.4M0.07%
161|Trisura Specialty Insurance Company16188OKSurplus lines (eligible)$1.4M0.07%
162General Security Indemnity Company of Arizona20559AZSurplus lines (eligible)$1.4M0.07%
163Daily Underwriters of America35483PAAdmitted (licensed)$1.4M0.07%
164Hudson Insurance Company25054DEAdmitted (licensed)$1.4M0.07%
165Great Divide Insurance Company25224NDAdmitted (licensed)$1.3M0.07%
166American Casualty Company of Reading, Pennsylvania20427PAAdmitted (licensed)$1.3M0.06%
167L M Insurance Corporation33600ILAdmitted (licensed)$1.3M0.06%
168Benchmark Insurance Company41394KSAdmitted (licensed)$1.3M0.06%
169Amerisure Mutual Insurance Company23396MIAdmitted (licensed)$1.3M0.06%
170Accredited Surety and Casualty Company, Inc.26379FLAdmitted (licensed)$1.3M0.06%
171American Select Insurance Company19992OHAdmitted (licensed)$1.3M0.06%
172First Liberty Insurance Corporation (The)33588ILAdmitted (licensed)$1.3M0.06%
173Southern Insurance Company of Virginia26867VAAdmitted (licensed)$1.2M0.06%
174American Automobile Insurance Company21849MOAdmitted (licensed)$1.2M0.06%
175STATE AUTO PROPERTY \u0026 CASUALTY INSURANCE COMPANY25127IAAdmitted (licensed)$1.2M0.06%
176Greenville Casualty Insurance Company, Inc.11128SCAdmitted (licensed)$1.2M0.06%
177All America Insurance Company20222OHAdmitted (licensed)$1.2M0.06%
178Mitsui Sumitomo Insurance USA Inc.22551NYAdmitted (licensed)$1.1M0.05%
179Cherokee Insurance Company10642MIAdmitted (licensed)$1.1M0.05%
180Union Insurance Company of Providence21423IAAdmitted (licensed)$1.1M0.05%
181GuideOne Insurance Company15032IAAdmitted (licensed)$1.1M0.05%
182Twin City Fire Insurance Company (The)29459INAdmitted (licensed)$1.0M0.05%
183Granite State Insurance Company23809ILAdmitted (licensed)$987,6930.05%
184Prime Property & Casualty Insurance Inc.14371ILAdmitted (licensed)$977,0490.05%
185Nova Casualty Company42552NYAdmitted (licensed)$954,5100.05%
186American Inter-Fidelity Exchange40088INAdmitted (licensed)$949,6140.05%
187Atlantic Specialty Insurance Company27154NYAdmitted (licensed)$939,5270.05%
188Continental Western Insurance Company10804IAAdmitted (licensed)$899,6330.04%
189Nationwide Property and Casualty Insurance Company37877OHAdmitted (licensed)$862,5330.04%
190Colony Insurance Company39993NESurplus lines (eligible)$857,8770.04%
191Old Guard Insurance Company17558OHAdmitted (licensed)$847,2630.04%
192General Insurance Company of America24732NHAdmitted (licensed)$845,8400.04%
193|Indian Harbor Insurance Company36940DESurplus lines (eligible)$844,7690.04%
194Sentinel Insurance Company, Limited11000CTAdmitted (licensed)$810,9510.04%
195Obsidian Specialty Insurance Company16871DESurplus lines (eligible)$779,4050.04%
196Rock Ridge Insurance Company11089TXAdmitted (licensed)$775,3370.04%
197Hanover Insurance Company (The)22292NHAdmitted (licensed)$764,1460.04%
198St. Paul Fire and Marine Insurance Company24767CTAdmitted (licensed)$725,9040.04%
199Highlander Specialty Insurance Company16777TXSurplus lines (eligible)$716,0640.03%
200GEICO Indemnity Company22055NEAdmitted (licensed)$700,9500.03%
201Motorists Commercial Mutual Insurance Company13331OHAdmitted (licensed)$698,6650.03%
202Technology Transportation Mutual Risk Retention Group, Inc.17046ALWrites (premium reported)$693,6620.03%
203American Contractors Insurance Company Risk Retention Group12300TXWrites (premium reported)$693,6340.03%
204Southern Mutual Church Insurance Company26468SCAdmitted (licensed)$685,1250.03%
205Crestbrook Insurance Company18961OHAdmitted (licensed)$682,4710.03%
206Clear Blue Insurance Company28860TXAdmitted (licensed)$680,2850.03%
207Massachusetts Bay Insurance Company22306NHAdmitted (licensed)$665,3250.03%
208Hartford Casualty Insurance Company29424INAdmitted (licensed)$649,9660.03%
209Firstline Insurance Company40100MDAdmitted (licensed)$636,0030.03%
210Clear Blue Specialty Insurance Company37745TXSurplus lines (eligible)$632,2740.03%
211Great American Insurance Company16691OHAdmitted (licensed)$624,7280.03%
212Berkley Regional Insurance Company29580IAAdmitted (licensed)$620,4590.03%
213Star Insurance Company18023MIAdmitted (licensed)$619,4900.03%
214U.S. Specialty Insurance Company29599TXAdmitted (licensed)$614,9990.03%
215Chiron Insurance Company16356IAAdmitted (licensed)$607,8720.03%
216Employers Insurance Company of Wausau21458WIAdmitted (licensed)$606,1490.03%
217Intrepid Casualty Company17182IAAdmitted (licensed)$600,2720.03%
218Eastern Atlantic Insurance Company28649PAAdmitted (licensed)$599,0070.03%
219American Zurich Insurance Company40142ILAdmitted (licensed)$588,2530.03%
220Ooida RRG Inc10353VTWrites (premium reported)$587,5330.03%
221Everest Premier Insurance Company16045DEAdmitted (licensed)$581,1800.03%
222Knightbrook Insurance Company13722DEAdmitted (licensed)$573,9380.03%
223Berkley National Insurance Company38911IAAdmitted (licensed)$573,8020.03%
224Alliance of Nonprofits for Insurance Risk Retention Group Inc.10023VTWrites (premium reported)$569,9510.03%
225StarNet Insurance Company40045IAAdmitted (licensed)$564,8640.03%
226Midvale Indemnity Company27138WIAdmitted (licensed)$533,6850.03%
227Fortegra Specialty Insurance Company16823AZSurplus lines (eligible)$529,3860.03%
228Indemnity Insurance Company of North America43575PAAdmitted (licensed)$524,2320.03%
229CRUM \u0026 FORSTER SPECIALTY INSURANCE COMPANY\44520DESurplus lines (eligible)$515,1350.02%
230ARCOA Risk Retention Group Inc13177NVWrites (premium reported)$499,4820.02%
231STAR Mutual Risk Retention Group, Inc.17024TNWrites (premium reported)$493,4870.02%
232Gemini Insurance Company10833DESurplus lines (eligible)$466,6790.02%
233Hartford Underwriters Insurance Company30104CTAdmitted (licensed)$463,6490.02%
234Allied World Specialty Insurance Company16624DEAdmitted (licensed)$463,2250.02%
235First Guard Insurance Company10676AZAdmitted (licensed)$460,0090.02%
236Ohio Casualty Insurance Company (The)24074NHAdmitted (licensed)$457,7900.02%
237Vantapro Specialty Insurance Company44768ARAdmitted (licensed)$453,1960.02%
238AmTrust Insurance Company15954DEAdmitted (licensed)$441,5680.02%
239Southwind Risk Retention Group, Inc.17198NCAdmitted (licensed)$438,8190.02%
240Milford Casualty Insurance Company26662DEAdmitted (licensed)$430,5250.02%
241Erie Insurance Company26263PAAdmitted (licensed)$418,6000.02%
242Canopius US Insurance, Inc.12961DESurplus lines (eligible)$412,8590.02%
243Southlake Specialty Insurance Company16999TXSurplus lines (eligible)$397,0020.02%
244MS Transverse Specialty Insurance Company41807TXSurplus lines (eligible)$396,6870.02%
245Southern States Insurance Exchange15709VAAdmitted (licensed)$391,0210.02%
246Concert Specialty Insurance Company17151MTSurplus lines (eligible)$387,8830.02%
247Builders Premier Insurance Company13036NCAdmitted (licensed)$377,9980.02%
248St. Paul Guardian Insurance Company24775CTAdmitted (licensed)$372,6760.02%
249Fidelity and Guaranty Insurance Company35386IAAdmitted (licensed)$364,4330.02%
250American Modern Home Insurance Company23469OHAdmitted (licensed)$364,3450.02%
251Hilltop Specialty Insurance Company37079NYSurplus lines (eligible)$363,4270.02%
252Harco National Insurance Company26433ILAdmitted (licensed)$357,2360.02%
253Hoxbridge Insurance Company, Inc., a Risk Retention Group16759HIWrites (premium reported)$355,7160.02%
254Berkshire Hathaway Specialty Insurance Company22276NEAdmitted (licensed)$345,8720.02%
255Motor Transport Mutual Risk Retention Group, Inc.16700ALWrites (premium reported)$337,7170.02%
256American Family Home Insurance Company23450FLAdmitted (licensed)$335,5320.02%
257XL Specialty Insurance Company37885DEAdmitted (licensed)$322,5420.02%
258BUS Risk Retention Group, Inc.17324SCWrites (premium reported)$320,9880.02%
259Amerisure Partners Insurance Company11050MIAdmitted (licensed)$320,8030.02%
260Property and Casualty Insurance Company of Hartford34690INAdmitted (licensed)$319,0950.02%
261American Southern Home Insurance Company41998FLAdmitted (licensed)$316,1400.02%
262Concert Insurance Company10891ILAdmitted (licensed)$311,7770.02%
263American Reliable Insurance Company19615AZAdmitted (licensed)$306,3740.01%
264Westfield Superior Insurance Company16449OHAdmitted (licensed)$305,2950.01%
265Ace Property and Casualty Insurance Company20699PAAdmitted (licensed)$304,4050.01%
266Hanover American Insurance Company (The)36064NHAdmitted (licensed)$304,0510.01%
267North River Insurance Company (The)21105NJAdmitted (licensed)$303,4340.01%
268Great American Insurance Company of New York22136NYAdmitted (licensed)$301,0640.01%
269Motorists Mutual Insurance Company14621OHAdmitted (licensed)$294,9150.01%
270Penn Millers Insurance Company14982PAAdmitted (licensed)$289,6010.01%
271County Hall Insurance Company Inc., A Risk Retention Group15947NCAdmitted (licensed)$281,3980.01%
272Gray Insurance Company (The)36307LAAdmitted (licensed)$276,8720.01%
273MSIG Specialty Insurance USA Inc.34886NYSurplus lines (eligible)$274,5660.01%
274Rural Trust Insurance Company11134TXAdmitted (licensed)$267,8610.01%
275Berkshire Hathaway Direct Insurance Company10391NEAdmitted (licensed)$267,7360.01%
276James River Insurance Company12203OHSurplus lines (eligible)$260,1600.01%
277Swiss Re Corporate Solutions Elite Insurance Corporation29700MOAdmitted (licensed)$256,8790.01%
278Zurich American Insurance Company of Illinois27855ILAdmitted (licensed)$256,7460.01%
279Columbia Casualty Company31127ILSurplus lines (eligible)$256,1350.01%
280American Fire and Casualty Company24066NHAdmitted (licensed)$251,4950.01%
281West American Insurance Company44393INAdmitted (licensed)$249,0050.01%
282Ohio Farmers Insurance Company24104OHAdmitted (licensed)$236,9190.01%
283Alpine Transportation Insurance Risk Retention Group, Inc.16439HIWrites (premium reported)$232,0080.01%
284American Southern Insurance Company10235KSAdmitted (licensed)$231,8190.01%
285Phenix Mutual Fire Insurance Company23175OHAdmitted (licensed)$223,4580.01%
286American Bankers Insurance Company of Florida10111FLAdmitted (licensed)$213,0150.01%
287National Casualty Company11991OHAdmitted (licensed)$212,7420.01%
288Government Employees Insurance Company22063NEAdmitted (licensed)$209,5150.01%
289American Trucking and Transportation Insurance Company, A Risk Retention Group11534MTWrites (premium reported)$208,9100.01%
290Great Plains Casualty, Inc.12982IAAdmitted (licensed)$206,3450.01%
291National American Insurance Company23663OKAdmitted (licensed)$200,5530.01%
292Accelerant National Insurance Company10220ARAdmitted (licensed)$195,4300.01%
293Century Surety Company36951OHSurplus lines (eligible)$191,0510.01%
294Bulldog National Risk Retention Group, Inc.16384NCAdmitted (licensed)$190,1070.01%
295SOMPO AMERICA FIRE \u0026 MARINE INSURANCE COMPANY38997NYAdmitted (licensed)$185,6780.01%
296Security National Insurance Company19879DEAdmitted (licensed)$184,1750.01%
297HDI Global Insurance Company41343ILAdmitted (licensed)$175,1000.01%
298Westfield Champion Insurance Company16447OHAdmitted (licensed)$169,3040.01%
299Everest Indemnity Insurance Company10851DESurplus lines (eligible)$163,9850.01%
300XL Insurance America, Inc.24554DEAdmitted (licensed)$163,6970.01%
301Southern Insurance Company19216TXAdmitted (licensed)$162,7090.01%
302Swiss Re Corporate Solutions America Insurance Corporation29874MOAdmitted (licensed)$160,5500.01%
303Travelers Casualty Company of Connecticut36170CTAdmitted (licensed)$156,6270.01%
304National Trust Insurance Company20141INAdmitted (licensed)$148,7330.01%
305Nationwide Insurance Company of America25453OHAdmitted (licensed)$147,5890.01%
306Professional Transportation Risk Retention Group, Inc.17328ALWrites (premium reported)$147,2310.01%
307Dellwood Specialty Insurance Company17332AZSurplus lines (eligible)$142,7920.01%
308Westfield Premier Insurance Company16450OHAdmitted (licensed)$137,8690.01%
309Benchmark Specialty Insurance Company17180ARSurplus lines (eligible)$134,8400.01%
310Obsidian Insurance Company35602OHAdmitted (licensed)$133,4500.01%
311Pacific Insurance Company, Limited10046CTSurplus lines (eligible)$130,8760.01%
312Preferred Professional Insurance Company36234NEAdmitted (licensed)$127,2010.01%
313Allied Property and Casualty Insurance Company42579IAAdmitted (licensed)$121,4760.01%
314Great American Alliance Insurance Company26832OHAdmitted (licensed)$120,9840.01%
315Pharmacists Mutual Insurance Company13714IAAdmitted (licensed)$118,4110.01%
316Associated Industries Insurance Company, Inc.23140FLSurplus lines (eligible)$118,1540.01%
317Hiscox Insurance Company (Bermuda), Ltd.10200ILAdmitted (licensed)$116,9030.01%
318Peninsula Insurance Company (The)14958MDAdmitted (licensed)$113,9600.01%
319Arch Property Casualty Insurance Company10946MOAdmitted (licensed)$110,7670.01%
320Arch Indemnity Insurance Company30830MOAdmitted (licensed)$109,0920.01%
321Berkley Assurance Company39462IASurplus lines (eligible)$104,0420.01%
322United Specialty Insurance Company12537TXSurplus lines (eligible)$97,1170.00%
323Centennial Casualty Company34568ALSurplus lines (eligible)$94,1460.00%
324Summit Specialty Insurance Company16889NESurplus lines (eligible)$76,0420.00%
325Ansur America Insurance Company10984MIAdmitted (licensed)$74,5330.00%
326Voyager Indemnity Insurance Company40428GASurplus lines (eligible)$73,8320.00%
327INTERSTATE FIRE \u0026 CASUALTY COMPANY\22829ILSurplus lines (eligible)$73,7920.00%
328Nationwide Insurance Company of Florida10948OHAdmitted (licensed)$73,3990.00%
329Wilson Mutual Insurance Company19950OHAdmitted (licensed)$71,3480.00%
330Gotham Insurance Company25569NYSurplus lines (eligible)$70,1560.00%
331Burlington Insurance Company (The)23620ILSurplus lines (eligible)$69,3660.00%
332Recover Insurance Company Risk Retention Group Inc16155HIWrites (premium reported)$67,1090.00%
333Overdrive Risk Retention Group, LLC16822TNWrites (premium reported)$64,7650.00%
334Commerce and Industry Insurance Company19410NYAdmitted (licensed)$64,5360.00%
335CUSA Risk Retention Group, Inc.16222VTWrites (premium reported)$60,7940.00%
336Intrepid Insurance Company10749IAAdmitted (licensed)$56,2090.00%
337National Specialty Insurance Company22608TXAdmitted (licensed)$52,7970.00%
338Republic - Vanguard Insurance Company40479AZSurplus lines (eligible)$52,3150.00%
339National General Insurance Company23728ILAdmitted (licensed)$49,5780.00%
340Old Republic Union Insurance Company31143ILSurplus lines (eligible)$49,5400.00%
341Western World Insurance Company, Inc.13196NHSurplus lines (eligible)$48,8060.00%
342Technology Insurance Company, Inc.42376DEAdmitted (licensed)$47,5370.00%
343Woodlands Risk Retention Group, Inc.17190SCWrites (premium reported)$45,3220.00%
344Bricktown Specialty Insurance Company17166OKSurplus lines (eligible)$45,0150.00%
345American Road Insurance Company (The)19631MIAdmitted (licensed)$38,9140.00%
346Princeton Excess and Surplus Lines Insurance Company (The)10786DESurplus lines (eligible)$38,0010.00%
347Stonington Insurance Company10340PAAdmitted (licensed)$36,5500.00%
348Housing Authority Risk Retention Group, Inc.26797VTWrites (premium reported)$36,4770.00%
349TRAVELERS EXCESS \u0026 SURPLUS LINES COMPANY\29696CTSurplus lines (eligible)$36,0000.00%
350Hartford Insurance Company of the Midwest37478INAdmitted (licensed)$35,5580.00%
351AMCO Insurance Company19100IAAdmitted (licensed)$34,6850.00%
352Tokio Marine Specialty Insurance Company23850DESurplus lines (eligible)$29,9440.00%
353Adriatic Insurance Company39381NDSurplus lines (eligible)$28,6670.00%
354Shield Indemnity Incorporated16762OHSurplus lines (eligible)$28,5240.00%
355Harleysville Insurance Company23582OHAdmitted (licensed)$26,7690.00%
356North Pointe Insurance Company27740PAAdmitted (licensed)$25,4350.00%
357Steadfast Insurance Company26387ILSurplus lines (eligible)$25,1510.00%
358Mt. Hawley Insurance Company37974ILSurplus lines (eligible)$25,0000.00%
359Vantage Risk Specialty Insurance Company16275DESurplus lines (eligible)$24,9860.00%
360Falls Lake Fire and Casualty Company15884CASurplus lines (eligible)$24,6530.00%
361Palomar Excess and Surplus Insurance Company16754AZSurplus lines (eligible)$24,4290.00%
362American Alternative Insurance Corporation19720DEAdmitted (licensed)$22,7760.00%
363Pennsylvania Manufacturers Indemnity Company41424PAAdmitted (licensed)$21,9820.00%
364National Independent Truckers Insurance Company A Risk Retention Gro11197SCWrites (premium reported)$20,2330.00%
365RepWest Insurance Company31089AZAdmitted (licensed)$19,3530.00%
366Standard Fire Insurance Company (The)19070CTAdmitted (licensed)$18,5280.00%
367Fireman's Fund Insurance Company21873ILAdmitted (licensed)$18,3490.00%
368Vigilant Insurance Company20397NYAdmitted (licensed)$18,2250.00%
369American Summit Insurance Company19623TXAdmitted (licensed)$17,8690.00%
370Allied World Assurance Company (U.S.) Inc.22730NHAdmitted (licensed)$16,6460.00%
371Accredited Specialty Insurance Company (C)16835AZSurplus lines (eligible)$16,6050.00%
372Westfield Touchstone Insurance Company16448OHAdmitted (licensed)$15,2940.00%
373Brooklyn Specialty Insurance Company Risk Retention Group, Inc.16396ALWrites (premium reported)$14,8810.00%
374Accelerant Specialty Insurance Company16890ARSurplus lines (eligible)$13,7520.00%
375Ace Fire Underwriters Insurance Company20702PAAdmitted (licensed)$11,1690.00%
376Insurance Company of North America22713PAAdmitted (licensed)$11,0280.00%
377Pennsylvania Insurance Company21962NMAdmitted (licensed)$9,6600.00%
378Ascalon Risk Retention Group, Inc.17381ALWrites (premium reported)$8,7070.00%
379Incline Americas Insurance Company17532TXSurplus lines (eligible)$7,5790.00%
380Skyraider Risk Retention Group, Inc.16863SCWrites (premium reported)$7,1130.00%
381Pacific Employers Insurance Company22748PAAdmitted (licensed)$6,6460.00%
382Farmington Casualty Company41483CTAdmitted (licensed)$6,0860.00%
383Northfield Insurance Company27987IASurplus lines (eligible)$5,9810.00%
384St. Paul Mercury Insurance Company24791CTAdmitted (licensed)$5,8780.00%
385Velocity Insurance Company, A Risk Retention Group15956SCWrites (premium reported)$5,5540.00%
386Evanston Insurance Company35378ILSurplus lines (eligible)$5,2000.00%
387Prime Insurance Company12588ILSurplus lines (eligible)$4,2590.00%
388Riverport Insurance Company36684IAAdmitted (licensed)$3,8240.00%
389Contractors Bonding and Insurance Company37206ILAdmitted (licensed)$3,6130.00%
390CM Select Insurance Company16203COAdmitted (licensed)$3,4010.00%
391Citizens Insurance Company of America31534MIAdmitted (licensed)$3,1930.00%
392Allied Insurance Company of America10127OHAdmitted (licensed)$3,1370.00%
393Ascot Specialty Insurance Company45055RISurplus lines (eligible)$2,7300.00%
394QBE Specialty Insurance Company11515NDSurplus lines (eligible)$2,4790.00%
395Praetorian Insurance Company37257PAAdmitted (licensed)$2,1750.00%
396|Hadron Specialty Insurance Company17534ARSurplus lines (eligible)$1,4320.00%
397AIX Specialty Insurance Company12833DESurplus lines (eligible)$7500.00%
398Sierra Specialty Insurance Company19208TXSurplus lines (eligible)$7180.00%
399Markel American Insurance Company28932VAAdmitted (licensed)$6060.00%
400American Home Assurance Company19380NYAdmitted (licensed)$5710.00%
401Admiral Indemnity Company44318DEAdmitted (licensed)$5000.00%
402National Builders Insurance Company16632DEAdmitted (licensed)$5000.00%
403Lyndon Southern Insurance Company10051DEAdmitted (licensed)$3500.00%
404American Builders Insurance Company11240DEAdmitted (licensed)$2500.00%
405QBE Insurance (Europe) Limited39217PAAdmitted (licensed)$1250.00%
406Park National Insurance Company10859DEAdmitted (licensed)$1160.00%
407|Hudson Excess Insurance Company14484DESurplus lines (eligible)$850.00%
Turned down?

Last resort for commercial 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.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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