Data · California · Calendar year 2025
Top P&C insurance companies in California (2025 market share)
The ten largest property and casualty insurance groups in California by direct written premium, from the California Department of Insurance’s 2025 market share report.
Summary
- Licensed insurers wrote $115.4 billion of direct P&C premium in California in 2025, +8.3% vs 2024.
- The ten largest groups wrote 54.76% of it. The largest, State Farm Group, had 9.89%.
- Private passenger auto: $48.4 billion; the top ten groups held 84.65%.
- Homeowners: $16.4 billion; the top ten groups held 81.55%, led by State Farm Group at 20.09%.
All P&C lines
| Rank | Group | Premium, $M | Share | vs prior yr |
|---|---|---|---|---|
| 1 | State Farm Group | 11,411.9 | 9.89% | +10.5% |
| 2 | Farmers Insurance Group | 8,538.0 | 7.40% | +7.1% |
| 3 | Berkshire Hathaway Group | 7,509.5 | 6.51% | +14.1% |
| 4 | Auto Club Enterprises Insurance Group | 6,889.2 | 5.97% | +12.4% |
| 5 | Allstate Insurance Group | 5,671.6 | 4.91% | +8.4% |
| 6 | CSAA Insurance Group | 5,269.5 | 4.57% | +7.5% |
| 7 | Mercury General Group | 4,884.7 | 4.23% | +10.8% |
| 8 | Travelers Group | 4,665.6 | 4.04% | +4.0% |
| 9 | Progressive Group | 4,629.2 | 4.01% | +19.0% |
| 10 | USAA Group | 3,734.3 | 3.24% | +17.1% |
| Top 10 combined | 63,203.6 | 54.76% | ||
| All 232 groups and unaffiliated insurers | 115,419.1 | 100.00% | +8.3% |
Private passenger auto
| Rank | Group | Premium, $M | Share | vs prior yr |
|---|---|---|---|---|
| 1 | State Farm Group | 6,692.7 | 13.83% | +12.9% |
| 2 | Auto Club Enterprises Insurance Group | 5,684.0 | 11.74% | +12.2% |
| 3 | Berkshire Hathaway Group | 5,261.4 | 10.87% | +12.9% |
| 4 | Allstate Insurance Group | 4,463.5 | 9.22% | +5.7% |
| 5 | CSAA Insurance Group | 3,941.1 | 8.14% | +7.4% |
| 6 | Progressive Group | 3,669.0 | 7.58% | +23.8% |
| 7 | Farmers Insurance Group | 3,632.1 | 7.50% | −2.3% |
| 8 | Mercury General Group | 3,058.9 | 6.32% | +8.3% |
| 9 | USAA Group | 2,486.7 | 5.14% | +15.2% |
| 10 | Kemper Corporation Group | 2,079.9 | 4.30% | +10.7% |
| Top 10 combined | 40,969.3 | 84.65% | ||
| All 63 groups and unaffiliated insurers | 48,399.9 | 100.00% | +10.9% |
Homeowners
| Rank | Group | Premium, $M | Share | vs prior yr |
|---|---|---|---|---|
| 1 | State Farm Group | 3,300.8 | 20.09% | +9.4% |
| 2 | Farmers Insurance Group | 2,535.0 | 15.43% | +12.8% |
| 3 | Mercury General Group | 1,214.9 | 7.39% | +17.7% |
| 4 | Auto Club Enterprises Insurance Group | 1,090.6 | 6.64% | +9.9% |
| 5 | CSAA Insurance Group | 1,067.0 | 6.49% | +8.4% |
| 6 | USAA Group | 1,000.3 | 6.09% | +24.4% |
| 7 | Allstate Insurance Group | 948.0 | 5.77% | +26.1% |
| 8 | Liberty Mutual Group | 902.3 | 5.49% | +3.6% |
| 9 | American Family Insurance Group | 676.4 | 4.12% | +32.0% |
| 10 | Travelers Group | 663.2 | 4.04% | +17.9% |
| Top 10 combined | 13,398.5 | 81.55% | ||
| All 47 groups and unaffiliated insurers | 16,430.6 | 100.00% | +13.2% |
Premium in millions of dollars, rounded; exact dollar figures are in each cell’s tooltip and in data.json. Tables sort by any column. Machine-readable copy of these figures: data.json.
What this means for independent agencies
Market share measures premium, not access. Some of the largest groups sell mainly through their own agents or directly to consumers, so a group’s size says nothing on its own about whether it appoints independent agencies.
A group is not a single carrier. Each group here is several insurance companies, each with its own NAIC company code, and appointments, commission schedules and commission statements usually run per company. An agency appointed with two companies in one group can receive two statements that need checking separately.
The same figures can help you read your own book: if a large share of your premium sits with one group, that group’s rate changes, appetite changes and statement errors matter more to your revenue. Our guide to insurance agency KPIs shows how to measure carrier concentration.
Methodology
- Measure. Direct written premium: premium written in California before reinsurance, as reported by insurers in their annual statements and published by the department.
- Who is included. Licensed (admitted) insurers only, as the department reports; surplus lines insurers are not included.
- Groups. Insurers are grouped under the group code the department uses; an insurer with no group appears on its own. Group names are shown in plain form (the department’s abbreviated name is in each row’s tooltip and in data.json).
- Shares. Calculated by us from the department’s insurer detail file. Market totals match the department’s premium distribution report, and the all-lines ranking matches its Top 25 table to the dollar.
- Change vs prior year. Compares each group’s premium with the same group code in the department’s 2024 report. Mergers or regrouping between years can move this figure.
- What we don’t reproduce. Only the top ten per line. The full report, loss data and insurer-level detail are on the department’s site.
Source
California Department of Insurance, Rate Specialist Bureau, 2025 California Property & Casualty Market Share Report (detail file “Insurers Detail Premium and Loss Information” and “Top 25 Insurance Groups’ Concentration Level”). Prior-year figures: the department’s 2024 report (revised September 2025). Retrieved October 12, 2026.
Lapidar compiled these figures from the published report and is not affiliated with the California Department of Insurance. Check the source before relying on a figure.