Directory · South Carolina · Commercial auto

Who writes commercial auto in South Carolina

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 South Carolina in 2025, $150.1M and 13.4% of the state's premium; the top five groups hold 37%. South Carolina'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 South Carolina page.

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

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in South 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 group	Premium written	Share	Loss ratio	Member companies here
1	Progressive Group	$150.1M	13.43%	42%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
2	Berkshire Hathaway Group	$87.7M	7.85%	85%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
3	Auto Owners Group	$76.4M	6.84%	60%	Auto-Owners Insurance Company, Owners Insurance Company, California Capital Insurance Company, Monterey Insurance Company
4	Travelers Group	$56.1M	5.02%	55%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5	Liberty Mutual Group	$46.9M	4.20%	49%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
6	Old Republic Group	$46.3M	4.15%	58%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
7	Selective Insurance Group	$38.3M	3.42%	102%	Selective Insurance Company of America, Selective Insurance Company of the Southeast, Selective Insurance Company of South Carolina, Mesa Underwriters Specialty Insurance Company
8	Zurich Insurance Group	$38.0M	3.40%	105%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
9	State Farm Group	$37.3M	3.34%	74%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
10	Wr Berkley Corporation Group	$33.0M	2.95%	86%	Berkley Assurance Company, Berkley National Insurance Company, Carolina Casualty Insurance Company, StarNet Insurance Company

Turned down?

Last resort for commercial auto in South Carolina

Last resort	Lines	Where	How to get in
Auto assigned-risk plans	personal auto, commercial auto	all 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 market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the South Carolina insurance regulator company list, read 2026-10-18 and the surplus lines list. SC DOI 'List of Insurance Companies Authorized to Transact Business in South Carolina' as of April 2026; one PDF for every company type, so 'admitted' holds all 2509 rows with the Company Type column kept (filter type in Property & Casualty / Casualty / Property / Surety for P&C admitted). The list has no lines of authority, no domicile and no license date: domicile is blank, mail_state is the mailing-address state. surplus_lines = rows typed 'Eligible Surplus Lines Insurer'; alien=true when the NAIC code is blank or the mailing state is outside the US. NAIC codes blank for RPGs, intermediaries, advisory orgs and alien insurers. "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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