California P&C Market Share
Homeowners and auto insurance — who writes the most California premium?
Source: CA DOI P&C Market Share Report 2025. Direct written premium = RECORDED. Market share % and rank = AGGREGATED (Atlas Commons over CA DOI data).
Homeowners Multiple Peril (line 04)
98 carrier×year records — top 20 by DWP, 2025
| Rank | Company | Direct written premium | Market share | Loss ratio |
|---|---|---|---|---|
| #1 | State Farm Gen Ins Co (STATE FARM GRP) | $3,300,825,564 | 20.10% | 236.10% |
| #2 | California Automobile Ins Co (MERCURY GEN GRP) | $1,214,926,899 | 7.40% | 175.40% |
| #3 | Farmers Ins Exch (FARMERS INS GRP) | $1,101,575,067 | 6.70% | 67.10% |
| #4 | CSAA Ins Exch (CSAA Ins Grp) | $1,066,974,077 | 6.50% | 41.40% |
| #5 | Interins Exch Of The Automobile Club (Auto Club Enterprises Ins Grp) | $1,033,249,605 | 6.30% | 227.40% |
| #6 | Fire Ins Exch (FARMERS INS GRP) | $851,003,997 | 5.20% | 80.10% |
| #7 | Allstate Ins Co (ALLSTATE INS GRP) | $821,527,205 | 5.00% | 230.00% |
| #8 | Standard Fire Ins Co (Travelers Grp) | $663,221,410 | 4.00% | 231.80% |
| #9 | Homesite Ins Co Of The Midwest (AMERICAN FAMILY INS GRP) | $476,466,468 | 2.90% | 80.70% |
| #10 | Mid Century Ins Co (FARMERS INS GRP) | $413,274,532 | 2.50% | 104.90% |
| #11 | Sutton National Ins Co (Sutton Natl Grp) | $403,590,023 | 2.50% | 54.40% |
| #12 | United Serv Automobile Assn (UNITED SERV AUTOMOBILE ASSN GRP) | $336,369,366 | 2.00% | 166.40% |
| #13 | General Ins Co Of Amer (LIBERTY MUT GRP) | $336,364,550 | 2.00% | 135.60% |
| #14 | USAA Cas Ins Co (UNITED SERV AUTOMOBILE ASSN GRP) | $322,532,608 | 2.00% | 356.30% |
| #15 | Liberty Ins Corp (LIBERTY MUT GRP) | $252,852,036 | 1.50% | 168.50% |
| #16 | Federal Ins Co (Chubb Ltd Grp) | $228,798,736 | 1.40% | 452.30% |
| #17 | Nationwide Mut Ins Co (NATIONWIDE CORP GRP) | $224,960,351 | 1.40% | 56.30% |
| #18 | Pacific Specialty Ins Co (Western Serv Contract Grp) | $201,509,337 | 1.20% | 103.20% |
| #19 | USAA Gen Ind Co (UNITED SERV AUTOMOBILE ASSN GRP) | $193,418,527 | 1.20% | 128.10% |
| #20 | Foremost Ins Co Grand Rapids MI (FARMERS INS GRP) | $154,092,864 | 0.90% | 69.00% |
Private Passenger Auto Liability (line 19.2)
116 carrier×year records — top 20 by DWP, 2025
| Rank | Company | Direct written premium | Market share | Loss ratio |
|---|---|---|---|---|
| #1 | State Farm Mut Auto Ins Co (STATE FARM GRP) | $3,303,454,484 | 12.80% | 90.70% |
| #2 | Interins Exch Of The Automobile Club (Auto Club Enterprises Ins Grp) | $2,859,988,703 | 11.10% | 76.50% |
| #3 | Geico Gen Ins Co (BERKSHIRE HATHAWAY GRP) | $2,227,985,435 | 8.70% | 106.40% |
| #4 | Allstate Northbrook Ind Co (ALLSTATE INS GRP) | $1,894,574,637 | 7.40% | 52.90% |
| #5 | CSAA Ins Exch (CSAA Ins Grp) | $1,835,136,962 | 7.10% | 81.10% |
| #6 | Mercury Ins Co (MERCURY GEN GRP) | $1,443,250,262 | 5.60% | 71.00% |
| #7 | Farmers Ins Exch (FARMERS INS GRP) | $1,269,550,597 | 4.90% | 56.60% |
| #8 | Infinity Ins Co (Kemper Corp Grp) | $1,264,279,502 | 4.90% | 80.70% |
| #9 | United Financial Cas Co (PROGRESSIVE GRP) | $918,946,242 | 3.60% | 83.50% |
| #10 | Aspire Gen Ins Co (Aspire Gen Ins Co) | $615,527,266 | 2.40% | 68.40% |
| #11 | Integon Natl Ins Co (ALLSTATE INS GRP) | $533,768,991 | 2.10% | 93.40% |
| #12 | Drive Ins Co (PROGRESSIVE GRP) | $487,978,458 | 1.90% | 82.90% |
| #13 | American Family Connect Prop & Cas I (AMERICAN FAMILY INS GRP) | $480,150,848 | 1.90% | 84.80% |
| #14 | Wawanesa Gen Ins Co (Auto Club Enterprises Ins Grp) | $472,778,586 | 1.80% | 81.20% |
| #15 | Safeco Ins Co Of Amer (LIBERTY MUT GRP) | $460,060,611 | 1.80% | 96.20% |
| #16 | Progressive Select Ins Co (PROGRESSIVE GRP) | $409,948,923 | 1.60% | 80.60% |
| #17 | USAA Cas Ins Co (UNITED SERV AUTOMOBILE ASSN GRP) | $367,714,711 | 1.40% | 103.40% |
| #18 | Coast Natl Ins Co (FARMERS INS GRP) | $309,179,997 | 1.20% | 66.40% |
| #19 | Tesla Ins Co (Tesla Inc Grp) | $298,840,250 | 1.20% | 157.40% |
| #20 | Travelers Commercial Ins Co (Travelers Grp) | $261,499,781 | 1.00% | 63.10% |
Private Passenger Auto Physical Damage (line 21.1)
112 carrier×year records — top 20 by DWP, 2025
| Rank | Company | Direct written premium | Market share | Loss ratio |
|---|---|---|---|---|
| #1 | State Farm Mut Auto Ins Co (STATE FARM GRP) | $3,389,280,196 | 14.90% | 45.00% |
| #2 | Geico Gen Ins Co (BERKSHIRE HATHAWAY GRP) | $2,524,439,197 | 11.10% | 48.60% |
| #3 | CSAA Ins Exch (CSAA Ins Grp) | $2,052,239,068 | 9.10% | 47.20% |
| #4 | Interins Exch Of The Automobile Club (Auto Club Enterprises Ins Grp) | $2,032,380,720 | 9.00% | 50.40% |
| #5 | Mercury Ins Co (MERCURY GEN GRP) | $1,249,492,865 | 5.50% | 41.40% |
| #6 | Allstate Northbrook Ind Co (ALLSTATE INS GRP) | $1,213,498,377 | 5.40% | 48.70% |
| #7 | United Financial Cas Co (PROGRESSIVE GRP) | $919,239,488 | 4.10% | 57.80% |
| #8 | Farmers Ins Exch (FARMERS INS GRP) | $906,668,935 | 4.00% | 38.90% |
| #9 | Infinity Ins Co (Kemper Corp Grp) | $815,641,841 | 3.60% | 45.30% |
| #10 | Drive Ins Co (PROGRESSIVE GRP) | $457,788,740 | 2.00% | 42.90% |
| #11 | Safeco Ins Co Of Amer (LIBERTY MUT GRP) | $436,956,907 | 1.90% | 34.10% |
| #12 | USAA Cas Ins Co (UNITED SERV AUTOMOBILE ASSN GRP) | $426,616,521 | 1.90% | 53.30% |
| #13 | Tesla Ins Co (Tesla Inc Grp) | $426,196,610 | 1.90% | 91.40% |
| #14 | American Family Connect Prop & Cas I (AMERICAN FAMILY INS GRP) | $380,347,259 | 1.70% | 56.20% |
| #15 | USAA Gen Ind Co (UNITED SERV AUTOMOBILE ASSN GRP) | $342,333,733 | 1.50% | 50.00% |
| #16 | Progressive Select Ins Co (PROGRESSIVE GRP) | $339,188,368 | 1.50% | 48.60% |
| #17 | Wawanesa Gen Ins Co (Auto Club Enterprises Ins Grp) | $318,855,958 | 1.40% | 63.40% |
| #18 | Integon Natl Ins Co (ALLSTATE INS GRP) | $317,898,406 | 1.40% | 53.70% |
| #19 | Garrison Prop & Cas Ins Co (UNITED SERV AUTOMOBILE ASSN GRP) | $310,222,568 | 1.40% | 47.30% |
| #20 | United Serv Automobile Assn (UNITED SERV AUTOMOBILE ASSN GRP) | $303,369,619 | 1.30% | 52.80% |
Warrant notes
Direct written premium is RECORDED verbatim from the CA DOI P&C Market Share Report. Market share % and rank are AGGREGATED by Atlas Commons over that data — not CA DOI-published figures. Loss ratio (direct losses incurred / direct premiums earned × 100) is AGGREGATED by Atlas Commons; the CA DOI publishes the components, not this ratio.
This page is informational only. Market share reflects premium volume, not quality or recommendation. To verify a carrier's California license or complaint history, use the CA DOI License Search .
Source: California Department of Insurance P&C Market Share Report 2025. CC0.