Guides
The largest home insurers in every state, 2025
The three largest homeowners insurance groups in each state and D.C. by 2025 premiums, with their market shares from NAIC data and what the patterns mean.
State Farm is the largest homeowners insurer in 41 of the 50 states, according to the NAIC's 2025 market share report published in August 2026. Travelers leads in Connecticut and Washington, D.C., Liberty Mutual in Idaho and New Hampshire, and six other groups lead one state each: Florida, Massachusetts, New Jersey, Rhode Island, Vermont and Wisconsin.
The tables below give the three largest groups in every state and D.C. with each group's share of that state's 2025 homeowners premium, and link to the insurer profiles and state guides. The national picture is in The 100 largest homeowners insurance companies in the U.S., 2025.
How to read these tables
The data comes from the NAIC's "by state by group" tables for homeowners multiple peril, which list the ten largest groups in each state. Three points keep the numbers honest.
Shares are shares of premium. Each percentage is the group's direct premiums written in that state divided by the state's total, so it measures dollars, not households.
A group is a set of related companies. The NAIC adds up insurers under common ownership, so "Allstate" in a table includes its affiliates, and "Liberty Mutual" now includes the former Safeco book. The national guide explains which brands sit inside which groups.
Only premium on the books counts, not who is accepting new customers. State Farm General stopped taking new California homeowners applications in 2023, yet State Farm is still first in California, because the share reflects policies in force. Use the list to see who is established in your state, then ask each company whether it will quote your address.
Groups without an insurer profile on this site are named without a link.
Northeast
| State | 2025 market | Largest | Second | Third |
|---|---|---|---|---|
| Connecticut | $2.55 billion | Travelers 10.36% | State Farm 9.19% | Chubb 7.16% |
| Maine | $721.1 million | State Farm 12.36% | Liberty Mutual 9.98% | Allstate 7.14% |
| Massachusetts | $4.03 billion | MAPFRE 9.93% | Liberty Mutual 7.42% | Safety 7.25% |
| New Hampshire | $710.3 million | Liberty Mutual 12.35% | State Farm 11.66% | Allstate 8.29% |
| New Jersey | $4.62 billion | NJM 13.49% | State Farm 10.75% | Allstate 10.50% |
| New York | $9.03 billion | State Farm 14.14% | Allstate 11.98% | Chubb 11.47% |
| Pennsylvania | $5.70 billion | State Farm 18.50% | Erie 16.71% | Allstate 12.71% |
| Rhode Island | $778.0 million | Allstate 14.03% | Amica 12.20% | USAA 7.90% |
| Vermont | $326.3 million | Vermont Mutual 11.98% | Liberty Mutual 11.36% | State Farm 9.61% |
State Farm leads Maine, New York and Pennsylvania, but not the rest of the region. Travelers leads Connecticut at 10.36%, Liberty Mutual leads New Hampshire at 12.35% and Allstate leads Rhode Island at 14.03%. Three regional companies are first in their home markets: NJM Insurance in New Jersey (13.49%), MAPFRE in Massachusetts (9.93%) and Vermont Mutual in Vermont (11.98%). Chubb, which specializes in high-value homes, is third in Connecticut, New York and D.C. Erie Insurance is a strong second in Pennsylvania at 16.71%.
Midwest
| State | 2025 market | Largest | Second | Third |
|---|---|---|---|---|
| Illinois | $6.94 billion | State Farm 33.68% | Allstate 14.27% | COUNTRY Financial 7.79% |
| Indiana | $3.55 billion | State Farm 23.56% | Allstate 10.08% | Erie 7.85% |
| Iowa | $1.77 billion | State Farm 25.04% | Farm Bureau Financial Services 10.46% | American Family 9.73% |
| Kansas | $1.97 billion | State Farm 22.12% | American Family 15.79% | Allstate 8.00% |
| Michigan | $4.74 billion | State Farm 17.57% | Auto-Owners 17.12% | AAA Auto Club Group 13.72% |
| Minnesota | $4.61 billion | State Farm 27.39% | American Family 15.11% | Auto-Owners 9.11% |
| Missouri | $3.72 billion | State Farm 25.84% | American Family 15.54% | Allstate 6.57% |
| Nebraska | $1.61 billion | State Farm 24.18% | Allstate 10.60% | American Family 9.73% |
| North Dakota | $388.4 million | State Farm 14.59% | American Family 12.87% | Agraria Mutual Group 9.78% |
| Ohio | $5.10 billion | State Farm 21.22% | Allstate 12.12% | Erie 7.63% |
| South Dakota | $554.7 million | State Farm 21.92% | American Family 13.24% | Farmers 7.58% |
| Wisconsin | $2.71 billion | American Family 21.01% | State Farm 18.57% | Auto-Owners 6.17% |
State Farm leads 11 of the 12 states here, with 33.68% in Illinois. The exception is Wisconsin, where American Family leads at 21.01% to State Farm's 18.57%. American Family is second in Kansas, Minnesota, Missouri, South Dakota and North Dakota. Auto-Owners Insurance is second in Michigan at 17.12%, within half a point of State Farm, with The Auto Club Group (AAA) third. Illinois adds COUNTRY Financial in third and Iowa adds Farm Bureau Financial Services in second. See regional home insurers: why they're worth a quote for the companies that hold their ground here.
South
| State | 2025 market | Largest | Second | Third |
|---|---|---|---|---|
| Alabama | $3.20 billion | State Farm 26.74% | Alfa 16.22% | Allstate 11.93% |
| Arkansas | $1.82 billion | State Farm 27.43% | Southern Farm Bureau 13.04% | Allstate 9.96% |
| Delaware | $535.2 million | State Farm 27.30% | USAA 9.90% | Allstate 8.10% |
| District of Columbia | $265.3 million | Travelers 23.40% | State Farm 17.11% | Chubb 12.09% |
| Florida | $18.83 billion | Citizens 7.98% | Florida Peninsula 7.84% | Universal P&C 7.61% |
| Georgia | $6.37 billion | State Farm 24.60% | Allstate 15.45% | USAA 10.95% |
| Kentucky | $2.19 billion | State Farm 24.26% | Kentucky Farm Bureau 22.75% | Liberty Mutual 7.90% |
| Louisiana | $3.47 billion | State Farm 21.73% | Allstate 15.27% | SageSure 8.79% |
| Maryland | $3.50 billion | State Farm 17.49% | Travelers 12.67% | Erie 12.51% |
| Mississippi | $1.76 billion | State Farm 23.31% | Southern Farm Bureau 15.20% | Allstate 7.56% |
| North Carolina | $5.50 billion | State Farm 15.33% | NC Farm Bureau 13.56% | USAA 10.85% |
| Oklahoma | $2.89 billion | State Farm 31.90% | Allstate 12.67% | USAA 8.94% |
| South Carolina | $3.51 billion | State Farm 20.21% | USAA 9.25% | Allstate 8.43% |
| Tennessee | $3.86 billion | State Farm 22.31% | Tennessee Farm Bureau 17.85% | Allstate 10.05% |
| Texas | $20.48 billion | State Farm 19.66% | Allstate 16.20% | USAA 10.83% |
| Virginia | $4.35 billion | State Farm 17.06% | USAA 16.31% | Allstate 9.79% |
| West Virginia | $658.0 million | State Farm 29.19% | Erie 19.50% | Liberty Mutual 7.93% |
The South contains two of the three biggest markets in the country, Texas and Florida, and the most varied leaders. Farm Bureau-affiliated insurers are second in six states: Alfa in Alabama, Southern Farm Bureau in Arkansas and Mississippi, Kentucky Farm Bureau in Kentucky, North Carolina Farm Bureau in North Carolina and Tennessee Farm Bureau in Tennessee. In Kentucky the gap to first place is under two points. See Farm Bureau home insurance: how membership works. In Virginia, USAA is second at 16.31%, less than a point behind State Farm.
Louisiana has State Farm and Allstate first and second, with SageSure third at 8.79%. Florida is different from every other state, covered next.
West
| State | 2025 market | Largest | Second | Third |
|---|---|---|---|---|
| Alaska | $259.4 million | State Farm 32.15% | USAA 19.00% | Allstate 18.07% |
| Arizona | $3.67 billion | State Farm 17.98% | USAA 9.82% | Farmers 9.56% |
| California | $17.73 billion | State Farm 18.62% | Farmers 14.30% | Mercury 6.85% |
| Colorado | $5.76 billion | State Farm 23.48% | USAA 12.13% | Allstate 11.91% |
| Hawaii | $645.2 million | State Farm 30.26% | PURE 15.92% | Allstate 10.61% |
| Idaho | $969.7 million | Liberty Mutual 19.52% | State Farm 15.84% | Farmers 9.17% |
| Montana | $807.2 million | State Farm 24.43% | Liberty Mutual 14.64% | Farmers 12.08% |
| Nevada | $1.15 billion | State Farm 18.46% | Farmers 11.23% | Allstate 10.76% |
| New Mexico | $987.2 million | State Farm 21.14% | Farmers 14.39% | USAA 12.10% |
| Oregon | $1.80 billion | State Farm 22.03% | Liberty Mutual 13.69% | Farmers 13.41% |
| Utah | $1.41 billion | State Farm 16.67% | Farmers 9.89% | Allstate 9.88% |
| Washington | $3.85 billion | State Farm 16.35% | Liberty Mutual 14.31% | Allstate 11.43% |
| Wyoming | $422.2 million | State Farm 23.52% | Farmers 17.12% | Mountain West Farm Group 12.49% |
Idaho, where Liberty Mutual leads at 19.52%, is the one Western state State Farm does not top. Farmers Insurance is second in California (14.30%), New Mexico, Nevada, Utah and Wyoming. In California the AAA clubs hold the fourth and fifth places, Auto Club of Southern California at 6.15% and CSAA Insurance Group at 6.02%, just behind Mercury Insurance in third at 6.85%. Hawaii's second place goes to PURE Insurance at 15.92%, a company that specializes in higher-value homes. See california's home insurance crisis for why California shares say little about who is accepting new customers.
Puerto Rico
Puerto Rico's market was $158.5 million in 2025, the smallest in the NAIC data, and it is the most concentrated: the top three groups hold 88.32%. Universal Insurance Company Group leads with 45.49%, MAPFRE is second with 30.59% and United Surety & Indemnity Company is third with 12.24%. The NAIC lists it as a different group from the Florida-based Universal Property & Casualty.
Patterns worth knowing
Three states are almost a third of the market. Texas ($20.48 billion), Florida ($18.83 billion) and California ($17.73 billion) add up to about 30% of the $188.95 billion national total, by our arithmetic on the NAIC figures.
Florida's top three are the smallest of any state. The three largest Florida groups hold only 23.43% together, the lowest in the data. Citizens Property Insurance Corporation is first at 7.98%, ahead of Florida Peninsula (7.84%) and Universal Property & Casualty (7.61%). Citizens, a state-run insurer of last resort, is the only residual market plan that makes any state's top three, and its policy count has fallen sharply as policies move to private insurers. See Florida and Citizens Property Insurance in Florida: who qualifies and what to know.
Where the leader is regional, the market is fragmented. In Florida (7.98%), Massachusetts (9.93%) and Vermont (11.98%) the largest group holds less than 12% of premium. Regional mutual leaders such as NJM and Vermont Mutual sit in similar markets, where shoppers are more likely to find several comparable options and local companies.
State Farm's biggest shares are in Illinois, Alaska, Oklahoma and Hawaii. They are 33.68%, 32.15%, 31.90% and 30.26%.
Using the list when you shop
- Start from the leaders, but do not stop there. The biggest company is a reasonable first quote and a poor only quote. Add a regional or Farm Bureau company and an independent agent.
- Ask about appetite. A big share is a sign of history, not a promise that the company will write your roof or your ZIP code. Our how insurers decide whether to insure a home guide explains why.
- Look at the legal insurer on the quote. Large groups run several companies, and the one on the declarations page is the one whose rating matters. See Financial strength ratings: AM Best, S&P, Moody's and Demotech.
- Check service evidence, not only size. What J.D. Power's home insurance studies measure and the NAIC complaint index measure different things than premium.
- Look up your state's rules in the home insurance rules by state.
Key takeaways
- State Farm leads 41 of 50 states. Nine states and D.C. have a different leader: Connecticut, Florida, Idaho, Massachusetts, New Hampshire, New Jersey, Rhode Island, Vermont and Wisconsin.
- Farm Bureau and regional insurers hold second place in many Southern and Midwestern states, and several regional companies lead in their home states.
- Florida's top three hold only 23.43% of premium, the lowest concentration of any state, and Citizens is the only state plan in a top three.
- Shares measure premium already written, not whether a company is accepting new customers in your area.
- Use the tables to see who is established where you live, then compare ratings, service evidence and real quotes.