Data · Ohio · Calendar year 2025
Top P&C insurance companies in Ohio (2025 market share)
The ten largest property and casualty insurance groups in Ohio by direct written premium, from the Ohio Department of Insurance’s 2025 market share report.
Summary
- Insurers wrote $26.4 billion of direct P&C premium in Ohio in 2025, the department’s total for the lines it includes.
- The ten largest groups wrote 54.15% of it. The largest, State Farm Group, had 12.70%.
- Private passenger auto: $9.3 billion; the top ten groups held 81.99%.
- Homeowners: $5.1 billion; the top ten groups held 75.29%, led by State Farm Group at 21.22%.
All P&C lines
| Rank | Group | Premium, $M | Share |
|---|---|---|---|
| 1 | State Farm Group | 3,353.2 | 12.70% |
| 2 | Progressive Group | 2,454.6 | 9.30% |
| 3 | Allstate Insurance Group | 1,766.3 | 6.69% |
| 4 | Cincinnati Financial Group | 1,170.0 | 4.43% |
| 5 | Liberty Mutual Group | 1,144.9 | 4.34% |
| 6 | Erie Insurance Group | 1,067.9 | 4.04% |
| 7 | Berkshire Hathaway Group | 991.1 | 3.75% |
| 8 | Travelers Group | 858.8 | 3.25% |
| 9 | Nationwide Corporation Group | 781.9 | 2.96% |
| 10 | Grange Mutual Casualty Group | 709.5 | 2.69% |
| Top 10 combined | 14,298.2 | 54.15% | |
| All groups and unaffiliated insurers | 26,403.4 | 100.00% |
Private passenger auto
| Rank | Group | Premium, $M | Share |
|---|---|---|---|
| 1 | State Farm Group | 2,014.0 | 21.76% |
| 2 | Progressive Group | 1,989.2 | 21.49% |
| 3 | Allstate Insurance Group | 1,074.8 | 11.61% |
| 4 | Berkshire Hathaway Group | 601.5 | 6.50% |
| 5 | Erie Insurance Group | 441.0 | 4.76% |
| 6 | Grange Mutual Casualty Group | 355.6 | 3.84% |
| 7 | USAA Group | 332.5 | 3.59% |
| 8 | Nationwide Corporation Group | 297.1 | 3.21% |
| 9 | Liberty Mutual Group | 274.9 | 2.97% |
| 10 | Auto-Owners Group | 208.6 | 2.25% |
| Top 10 combined | 7,589.3 | 81.99% | |
| All groups and unaffiliated insurers | 9,256.7 | 100.00% |
Homeowners
| Rank | Group | Premium, $M | Share |
|---|---|---|---|
| 1 | State Farm Group | 1,082.3 | 21.22% |
| 2 | Allstate Insurance Group | 617.9 | 12.12% |
| 3 | Erie Insurance Group | 389.4 | 7.64% |
| 4 | Liberty Mutual Group | 334.4 | 6.56% |
| 5 | American Family Insurance Group | 324.6 | 6.37% |
| 6 | Grange Mutual Casualty Group | 237.5 | 4.66% |
| 7 | Nationwide Corporation Group | 224.5 | 4.40% |
| 8 | Cincinnati Financial Group | 214.9 | 4.21% |
| 9 | USAA Group | 213.0 | 4.18% |
| 10 | Auto-Owners Group | 201.0 | 3.94% |
| Top 10 combined | 3,839.4 | 75.29% | |
| All groups and unaffiliated insurers | 5,099.7 | 100.00% |
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 Ohio before reinsurance, as reported by insurers in their annual statements and published by the department.
- Who is included. Insurers as the department includes them in its tables, built from the NAIC annual statement database as of June 23, 2026. The department’s company lists include some surplus lines insurers (for example Scottsdale Surplus Lines Ins Co), but the report doesn’t say whether all surplus lines premium is captured.
- 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. Premium and group totals are the department’s own figures. Shares are calculated by us from them and agree with the department’s rounded shares; the 70 listed groups plus “others” add up to the department’s market total, and the top 15 match the full report.
- Change vs prior year. Not shown: we could not find the department’s 2024 tables on its site when we retrieved this report (the matching 2024 file names return “not found”), and we don’t fill the gap from other sources.
- 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
Ohio Department of Insurance, Office of Product Regulation and Actuarial Services, 2025 Property and Casualty Insurance Market Share Report (tables “Ohio Market Share for Top 70 Insurance Groups”: Total, Private Passenger Automobile, Homeowners Multiple Peril). Retrieved October 12, 2026.
Lapidar compiled these figures from the published report and is not affiliated with the Ohio Department of Insurance. Check the source before relying on a figure.