Directory · West Virginia · Commercial auto

Who writes commercial auto in West Virginia

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

Erie Insurance Group wrote the most commercial auto in West Virginia in 2025, $39.2M and 14.6% of the state's premium; the top five groups hold 50%. West Virginia'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 West Virginia page.

By Sam Alishahi, independent insurance broker · All lines in West Virginia

Top 10 · NAIC table: Total Commercial Auto

The insurer groups that write the most commercial auto in West Virginia

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	Erie Insurance Group	$39.2M	14.58%	62%	Erie Insurance Exchange, Erie Insurance Company, Flagship City Insurance Company, Erie Insurance Company of New York
2	Progressive Group	$33.8M	12.57%	43%	Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
3	Travelers Group	$31.0M	11.53%	50%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
4	Encova Mutual Insurance Group	$17.7M	6.59%	37%	PinnaclePoint Insurance Company, Motorists Commercial Mutual Insurance Company, BrickStreet Mutual Insurance Company, MICO Insurance Company
5	Westfield Group	$13.2M	4.92%	50%	Westfield Insurance Company, Westfield National Insurance Company, American Select Insurance Company, Westfield Specialty Insurance Company
6	American International Group	$12.0M	4.45%	39%	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
7	Berkshire Hathaway Group	$11.5M	4.27%	69%	GEICO General Insurance Company, GEICO Texas County Mutual Insurance Company, GEICO County Mutual Insurance Company, Government Employees Insurance Company
8	Cincinnati Financial Group	$9.8M	3.64%	57%	Cincinnati Insurance Company (The), Cincinnati Casualty Company (The), Cincinnati Indemnity Company (The), Cincinnati Specialty Underwriters Insurance Company (The)
9	Old Republic Group	$8.6M	3.21%	49%	Old Republic Insurance Company, Great West Casualty Company, BITCO General Insurance Corporation, Pennsylvania Manufacturers' Association Insurance Company
10	Zurich Insurance Group	$7.9M	2.94%	92%	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company

Turned down?

Last resort for commercial auto in West Virginia

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 West Virginia insurance regulator company list, read 2026-10-18 and the surplus lines list. Surplus lines: NAIC SBS 'Company List Report' PDF (Company Type=Surplus Lines, Status=Active, report date 07-16-2026, issue dates through 06-30-2026) linked from https://www.wvinsurance.gov/company-home as 'List of Surplus Lines Insurers (as of 6/30/2026)'. The PDF has no text layer; pages rendered at 300 dpi, turned upright and OCR'd with macOS Vision (whole page plus one pass per table row), cells located by the PDF's own ruling lines. Report states 245 companies; parsed 245. No per-company eligibility date is printed (eligible=''). Alien insurers mostly have no NAIC code in the report (naic=''). Long names are truncated by the report itself. Columns not carried into WV.json (FEIN, org type, group number, state legacy ID, status) are in wv_surplus_rows.csv. Admitted: West Virginia publishes no bulk roster of licensed P&C insurers (only company-type counts and the one-at-a-time NAIC SBS lookup), so admitted is empty. "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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