Directory · Tennessee · Personal auto

Who writes personal auto in Tennessee

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

State Farm Group wrote the most personal auto in Tennessee in 2025, $1.45B and 21.1% of the state's premium; the top five groups hold 72%. Tennessee'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 Tennessee page.

By Sam Alishahi, independent insurance broker · All lines in Tennessee

Top 10 · NAIC table: Total Private Passenger Auto

The insurer groups that write the most personal auto in Tennessee

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	State Farm Group	$1.45B	21.07%	56%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2	Progressive Group	$1.15B	16.78%	56%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
3	Tennessee Farmers Group	$1.07B	15.57%	67%	Tennessee Farmers Mutual Insurance Company
4	Allstate Insurance Group	$770.6M	11.21%	50%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
5	Berkshire Hathaway Group	$474.0M	6.89%	59%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
6	United Serv Automobile Assn Group	$394.0M	5.73%	60%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
7	Erie Insurance Group	$231.6M	3.37%	66%	Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
8	Liberty Mutual Group	$152.8M	2.22%	39%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
9	Alfa Insurance Group	$135.8M	1.97%	53%	Trexis One Insurance Corporation, Alfa General Insurance Corporation, Alfa Insurance Corporation, Alfa Mutual General Insurance Company
10	Farmers Insurance Group	$127.1M	1.85%	45%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association

Turned down?

Last resort for personal auto in Tennessee

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 Tennessee insurance regulator company list, read 2026-10-18 and the surplus lines list. TDCI List of Licensed Companies (DataTable JSON feed; page says 'As of September 30, 2026'). admitted = rows with STATUS_REASON 'Licensed' of every COMPANY_TYPE except SURPLUS LINES; the list mixes P&C with life/health/title/fraternal/HMO/captive/county mutual, so 'type' is kept as given (filter type == 'PROPERTY' for admitted P&C). No lines of authority are published; 'lines' is always []. 'since' is empty for licensed rows (STATUS_DATE is only populated for suspended/restricted companies). surplus_lines = COMPANY_TYPE 'SURPLUS LINES' with STATUS_REASON 'Eligible' (foreign/US insurers only; TN keeps no alien list and defers to the NAIC IID Quarterly Listing, so alien is false for every row). Not included: LIFE/Restricted: 1; LIFE/Suspended: 4; PROPERTY/Restricted: 1; PROPERTY/Suspended: 9; REINSURER/Accredited: 35; REINSURER/Certified (passported): 8; REINSURER/RJ (passported): 51; REINSURER/Trusteed: 13; RISK RETENTION GROUP/Registered: 147; RISK RETENTION GROUP/Restricted: 1; RISK RETENTION GROUP/Suspended: 2. Risk retention groups ('Registered') and accredited/trusteed/certified/reciprocal-jurisdiction reinsurers are not admitted direct writers and were left out. Source page: https://www.tn.gov/commerce/insurance/consumer-resources/list-of-licensed-companies.html ; surplus lines definition: https://www.tn.gov/commerce/insurance/types-of-insurance-companies/surplus-lines.html. "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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