15. Auto Owners Group | Direct premiums written, 2017: $2.52 billion. | Direct premiums earned, 2017: $2.33 billion. | Direct loss to EP ratio: 76.46. | Direct loss & DCC to EP ratio: 81.31. | Market share: 1.09%. | Cumulative market share: 78.54%. 14. CSAA Insurance Group | Direct premiums written, 2017: $2.81 billion. | Direct premiums earned, 2017: $2.67 billion. | Direct loss to EP ratio: 66.20. | Direct loss & DCC to EP ratio: 67.90. | Market share: 1.22%. | Cumulative market share: 77.45%. 13. AmTrust National General Holdings Group | Direct premiums written, 2017: $2.91 billion. | Direct premiums earned, 2017: $2.72 billion. | Direct loss to EP ratio: 71.09. | Direct loss & DCC to EP ratio: 73.60. | Market share: 1.26%. | Cumulative market share: 76.23%. 12. Erie Insurance Group | Direct premiums written, 2017: $2.98 billion. | Direct premiums earned, 2017: $2.85 billion. | Direct loss to EP ratio: 69.54. | Direct loss & DCC to EP ratio: 71.19. | Market share: 1.29%. | Cumulative market share: 74.97%. 11. Auto Club Enterprises Insurance Group | Direct premiums written, 2017: $3.11 billion. | Direct premiums earned, 2017: $2.93 billion. | Direct loss to EP ratio: 67.66. | Direct loss & DCC to EP ratio: 69.80. | Market share: 1.35%. | Cumulative market share: 73.68%. 10. American Family Insurance Group | Direct premiums written, 2017: $4.38 billion. | Direct premiums earned, 2017: $4.25 billion. | Direct loss to EP ratio: 70.32. | Direct loss & DCC to EP ratio: 72.75. | Market share: 1.90%. | Cumulative market share: 72.33%. 09. Travelers Group | Direct premiums written, 2017: $4.40 billion. | Direct premiums earned, 2017: $4.18 billion. | Direct loss to EP ratio: 66.60. | Direct loss & DCC to EP ratio: 69.17. | Market share: 1.91%. | Cumulative market share: 70.43%. 08. Nationwide Corporation Group | Direct premiums written, 2017: $7.34 billion. | Direct premiums earned, 2017: $7.46 billion. | Direct loss to EP ratio: 66.16. | Direct loss & DCC to EP ratio: 67.41. | Market share: 3.18%. | Cumulative market share: 68.53%. 07. Farmers Insurance Group | Direct premiums written, 2017: $10.36 billion. | Direct premiums earned, 2017: $10.36 billion. | Direct loss to EP ratio: 65.52. | Direct loss & DCC to EP ratio: 67.76. | Market share: 4.49%. | Cumulative market share: 65.34%. 06. Liberty Mutual Group | Direct premiums written, 2017: $11.59 billion. | Direct premiums earned, 2017: $11.26 billion. | Direct loss to EP ratio: 67.16. | Direct loss & DCC to EP ratio: 70.12. | Market share: 5.02%. | Cumulative market share: 60.85%. 05. United Services Automobile Association Group | Direct premiums written, 2017: $13.15 billion. | Direct premiums earned, 2017: $12.76 billion. | Direct loss to EP ratio: 79.60. | Direct loss & DCC to EP ratio: 82.20. | Market share: 5.70%. | Cumulative market share: 55.83%. 04. Allstate Insurance Group | Direct premiums written, 2017: $21.43 billion. | Direct premiums earned, 2017: $21.28 billion. | Direct loss to EP ratio: 59.51. | Direct loss & DCC to EP ratio: 62.30. | Market share: 9.29%. | Cumulative market share: 50.13%. 03. Progressive Group | Direct premiums written, 2017: $22.79 billion. | Direct premiums earned, 2017: $21.80 billion. | Direct loss to EP ratio: 63.32. | Direct loss & DCC to EP ratio: 65.21. | Market share: 9.88%. | Cumulative market share: 40.84%. 02. Berkshire Hathaway Group | Direct premiums written, 2017: $29.60 billion. | Direct premiums earned, 2017: $28.55 billion. | Direct loss to EP ratio: 77.14. | Direct loss & DCC to EP ratio: 79.82. | Market share: 12.83%. | Cumulative market share: 30.96%. 01. State Farm Group | Direct premiums written, 2017: $41.82 billion. | Direct premiums earned, 2017: $41.22 billion. | Direct loss to EP ratio: 68.79. | Direct loss & DCC to EP ratio: 71.36. | Market share: 18.13%. | Cumulative market share: 18.13%.

As technology continues to advance, the cars of today are light years beyond their counterparts from just 10 years ago. As cars have become expensive, so too has the average premium paid for auto insurance in the U.S.

While the market for auto insurance is filled with competing companies, select companies enjoy an impressive hold over the market. But who’s leading the pack when it comes to private passenger auto insurance?

The National Association of Insurance Commissioners (NAIC) has released a review of the market share for private passenger auto insurance in 2017. Direct premiums written among the top 25 companies totaled close to $231 billion. The report is based on filings received by March 26, 2018, when an estimated 97.7% of property & casualty filings were received.

With this in mind, these are the top 15 private passenger auto insurers by premium in 2017, according to the NAIC.