--- title: "P&C Insurance Market Share by State: Top Carriers — Lapidar" url: https://getlapidar.com/data/pc-carriers-by-state/ description: "Top property and casualty insurance groups by state, from state insurance department market share reports: direct written premium, share and change vs prior year, with methodology and sources." last_modified: "Mon, 12 Oct 2026 15:16:11 GMT" source: getlapidar.com (HTML converted to Markdown at the edge) --- Data · Compiled by Lapidar from state insurance departments # P&C insurance market share by state. Which insurance groups write the most property and casualty premium in a state, taken from the state insurance department’s own published report and cited line by line. 1. ## [Top P&C insurance companies in California (2025)](https://getlapidar.com/data/pc-carriers-by-state/california/) Top 10 groups for all lines, private passenger auto and homeowners. Source: California Department of Insurance, retrieved October 12, 2026. 2. ## [Top P&C insurance companies in Ohio (2025)](https://getlapidar.com/data/pc-carriers-by-state/ohio/) Top 10 groups for all lines, private passenger auto and homeowners. Source: Ohio Department of Insurance, retrieved October 12, 2026. For national figures on the independent agency channel — agency count, market share, retention and compensation — see [independent insurance agency statistics (2026)](https://getlapidar.com/data/independent-insurance-agency-statistics/). ## Why only these states We add a state only when its insurance department publishes company-level market share data free on its official site, and the site’s terms don’t limit reuse to noncommercial purposes. Lapidar is a commercial product, so we hold ourselves to that. - **California** publishes its full market share report and insurer detail file free, and the department’s [site policy](https://www.insurance.ca.gov/privacy-policy/) treats its content as public domain unless otherwise indicated. We still show only a short factual summary (the top ten groups and their shares) with a prominent citation, and link to the report for everything else. - **Ohio** publishes free group-level tables (top 70 groups for total P&C, private passenger auto and homeowners) with its annual market share report. We found no terms on the department’s site that limit reuse, and the figures are public facts from a state agency, so we show the same short summary: top ten groups and shares, with a citation. We could not find the department’s prior-year tables online, so the Ohio page has no year-on-year change. - **Texas** publishes top-25 group tables in its [annual market conditions report](https://www.tdi.texas.gov/reports/report4.html), but the department’s site grants permission to copy its information for noncommercial use and none for commercial use. We link to it instead of republishing it. - **North Carolina**’s state web terms likewise grant permission for noncommercial use and none for commercial use, so it isn’t included. - **New York** and **Wisconsin** grant permission to copy their sites’ information for noncommercial use only. **Michigan**’s state site terms forbid copying without written permission, and **Pennsylvania**’s state site reserves all rights without a reuse grant. None of them is included. - **Washington** publishes a top-10 group table, but its pages carry an NAIC copyright notice with all rights reserved, so we treat it as NAIC data and leave it out. - **Illinois**, **Oregon**, **Colorado**, **Virginia** and **Minnesota** publish insurer-level figures without group totals, as far as we could check. Building groups ourselves would mean adding our own grouping to the department’s data, so we don’t. **Massachusetts** publishes only a home insurance report. **Georgia** and **Arizona**: we found no group-level market share publication. **Florida**: we could not reach the regulator’s site to check. Nationwide figures by state are sold by the NAIC under license terms that don’t fit a public commercial page, so we don’t use them. The California and Ohio departments compile their reports from insurers’ annual statement filings in the NAIC database; we use the departments’ published reports, not NAIC products. ## Methodology - The measure is direct written premium: premium written in the state before reinsurance, as reported by insurers and published by the department. - Rankings are by insurance group, as the department groups insurers; an insurer outside any group appears on its own. - We show the top ten groups for all P&C lines combined and, where the same report breaks them out, for private passenger auto and homeowners. - Shares are calculated from the department’s insurer detail file and checked against the department’s own totals and published rankings before a page is built. - Change vs prior year uses the department’s previous report for the same group code. - Each state page states its source, report year and the date we retrieved it. ## Sources - California Department of Insurance, Rate Specialist Bureau, [2025 California Property & Casualty Market Share Report](https://www.insurance.ca.gov/01-consumers/120-company/04-mrktshare/2025/) (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. - Ohio Department of Insurance, Office of Product Regulation and Actuarial Services, [2025 Property and Casualty Insurance Market Share Report](https://dam.assets.ohio.gov/image/upload/insurance.ohio.gov/Company/Product%20Regulation/2025_Market_Share_Report.pdf) (tables “Ohio Market Share for Top 70 Insurance Groups”: Total, Private Passenger Automobile, Homeowners Multiple Peril). Retrieved October 12, 2026. ## Reconciling statements is the hard part. Every carrier formats its statements differently, and the lines rarely match your records on the first pass. [Lapidar, commission reconciliation software for independent agencies](https://getlapidar.com/), is in its founding pilot: open an account, subscribe when you’re ready. [Open an account — founding pilot](https://app.getlapidar.com/signup) [See a sample report](https://getlapidar.com/sample-report/)