Published every other month, Agency Checklists’ CAR Updates review the latest data on the current state of the Private Passenger Automobile Insurance marketplace. For our fourth look of the year, this update reviews the market share data as of June 2025, the latest date for which complete data is available.
For those readers unfamiliar with the Commonwealth Automobile Reinsurers, better known as “CAR”, it is the official statistical agent for motor vehicle insurance in the Commonwealth of Massachusetts.
A Look at the Latest Data on Insurer’s Exposures & Market Share
The following are some insights on the latest data from the Commonwealth Automobile Reinsurers for June 2025 as compared to similar data from June 2024:
- Commerce Insurance saw a decline of 17,960 exposures, translating into a 3.71% drop year-over-year based on CAR data as of June for each year. This suggests a modest contraction in their customer base or policy volume.
- :GEICO saw a decline of 34,662 exposures, which is a 10.45% drop when comparing June 2025 versus June 2024 numbers. That’s a significant contraction in their policy count, possibly due to pricing shifts, competitive pressure, or strategic changes.
- USAA also saw a modest increase of 5,289 exposures, a 5.40% growth year-over-year.
- An insurer to note. While claiming a small percentage of the market share, the insurer Incline has made positive movements in Massachusetts based upon the lates data. As of June 2025, new entrant Incline insurance now holds 5,190 exposures representing a 0.20% share of the market. The company was founded in 2015.
Top Three Insurers with the most gain in exposures year-over-year based on CAR data collected for June
- Progressive had the largest absolute gain, adding over 73,000 exposures—likely due to aggressive expansion or competitive pricing.
- Standard Fire also made a strong leap, gaining over 24,000 exposures and boosting its market share by nearly a full percentage point.
- Middlesex, while smaller in scale, had the highest percentage growth—more than tripling its exposures.
🚗 Private Passenger Auto Insurers Ranked by Premiums – June 2025
| 🏢 Company Name | 🚘2025 June Exposures | 📈 June 2025 Market Share (%) |
🚘2024 June Exposures | 📈 2024 June Market Share (%) |
|---|---|---|---|---|
| COMMERCE | 466,094 | 18.15% | 484,054 | 19.04% |
| PROGRESSIVE | 303,076 | 11.80% | 229,171 | 9.01% |
| GEICO | 297,000 | 11.56% | 331,662 | 13.04% |
| SAFETY | 251,232 | 9.78% | 248,956 | 9.79% |
| PLYMOUTH ROCK | 205,474 | 8.00% | 197,627 | 7.77% |
| ARBELLA | 180,154 | 7.01% | 183,594 | 7.22% |
| STANDARD FIRE | 151,258 | 5.89% | 127,097 | 5.00% |
| LIBERTY MUTUAL | 133,855 | 5.21% | 144,381 | 5.68% |
| U S A A | 103,283 | 4.02% | 97,994 | 3.85% |
| AMICA MUTUAL | 76,283 | 2.97% | 78,368 | 3.08% |
| METROPOLITAN | 62,196 | 2.42% | 64,608 | 2.54% |
| HANOVER | 59,684 | 2.32% | 64,728 | 2.55% |
| NORFOLK AND DEDHAM MUTUAL | 50,694 | 1.97% | 48,941 | 1.92% |
| QUINCY MUTUAL | 43,343 | 1.69% | 49,265 | 1.94% |
| ALLSTATE | 34,353 | 1.34% | 40,652 | 1.60% |
| VERMONT MUTUAL | 26,158 | 1.02% | 27,781 | 1.09% |
| AMERICAN FAMILY | 22,118 | 0.86% | 29,942 | 1.18% |
| FOREMOST | 16,801 | 0.65% | 14,869 | 0.58% |
| PREFERRED MUTUAL | 13,932 | 0.54% | 13,611 | 0.54% |
| STATE FARM | 11,342 | 0.44% | 11,202 | 0.44% |
| GREEN MOUNTAIN | 11,099 | 0.43% | 10,778 | 0.42% |
| PURE | 8,250 | 0.32% | 7,689 | 0.30% |
| TRUMBULL | 7,389 | 0.29% | 7,650 | 0.30% |
| CINCINNATI | 6,808 | 0.27% | 5,717 | 0.22% |
| BANKERS STANDARD | 6,772 | 0.26% | 6,647 | 0.26% |
| INCLINE | 5,190 | 0.20% | — | — |
| FARM FAMLY | 3,772 | 0.15% | 4,623 | 0.18% |
| MARKEL AMERICAN | 3,421 | 0.13% | 3,046 | 0.12% |
| MIDDLESEX | 3,104 | 0.12% | 901 | 0.04% |
| FIREMEN’S INS CO | 1,687 | 0.07% | 1,063 | 0.04% |
| AMERICAN INTERNATIONAL | 1,033 | 0.04% | 1,155 | 0.05% |
| HARLEYSVILLE WORCESTER | 736 | 0.03% | 710 | 0.03% |
| TOKIO | 669 | 0.03% | 672 | 0.03% |
| ELECTRIC | 114 | 0.00% | 3,362 | 0.13% |
| AMERICAN FAMILY HOME | 64 | 0.00% | 78 | 0.00% |
| AMERICAN BANKERS | 5 | 0.00% | 5 | 0.00% |
| TOTAL | 2,568,444 | 100.00% | 2,542,598 | 100.00% |
Agency Checklists’ Retrospective of the PPA Marketplace
The following side-by-side comparisons allow our readers to review the state of the Private Passenger Auto Insurance Marketplace over the past decade. The first four side-by-side comparisons show the June 2025 marketplace versus the same marketplace in June 2024, June 2023, June 2022, and June 2021.
Following these graphs are two additional comparisons between the top 10 insurers in June 2025 versus the top 10 insurers five years earlier in June 2020 and then again from a decade ago in June 2015.
Year-Over-Year Comparisons
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June 2025 v. June 2024
June 2025 v. June 2023
June 2025 v. June 2022
June 2025 v. June 2021
Today’s Private Passenger Market v. 5 Years Ago
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Today’s Private Passenger Market v. 10 Years Ago
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