State Farm Strengthens Dominance
State Farm topped the National Association of Insurance Commissioners’ (NAIC) annual Market Share Data Reports for the third year in a row in 2025.
Officials say NAIC’s yearly reports are based on market share data lists created from nationwide premium filings submitted by insurers. The information is divided into seven main insurance categories, including automotive.
NAIC’s 2025 private passenger auto insurance report lists just over $344 billion in direct premiums written, making it the top insurance business sector. The State Farm Group was responsible for nearly $68 billion of that amount, with $66 billion actually earned during the period. That’s approximately $8 billion more in direct premiums written and about $9 billion more in direct premiums earned than the second-highest auto insurer, Progressive Group.
State Farm experienced “significant premium growth” in 2025, according to NAIC. In 2024, the insurer reported about $58 billion in direct premiums written and $55 billion earned.
State Farm also reported a market share of 18.9% for NAIC’s 2025 period, slightly up from 18.3% in 2024.
State Farm recently made headlines in the auto glass industry for its decision to leave LYNX Services as its glass claims administrator. Beginning July 1, the insurer will work with Safelite Solutions.
| Insurer | Market Share (Premiums) | Market Share (Glass Claims) |
|---|---|---|
| State Farm | 18.9% | 32.7% |
| Progressive | 16.7% | 8.0% |
| GEICO | 11.6% | 4.4% |
| Allstate | 10.1% | 5.4% |
| USAA | 6.2% | 3.8% |
| Farmers | 3.3% | 2.0% |
| Liberty Mutual | 1.8% | 1.7% |
| Travelers | 2.3% | 4.6% |
| AAA | 1.5% | 2.0% |
| American Family | 0.6% | 1.1% |
This chart lists the market share of State Farm and other top insurers’ glass claims by number of claims and dollar volume. Source: NAIC 2024 Top Groups by Countrywide Premium (Private Passenger Auto); Omega EDI Internal.
New Iowa Law Regulates Repair Claims
Another state has prohibited the assignment of benefits (AOB), continuing a trend that started in Florida and Kentucky.
Iowa Governor Kim Reynolds signed the bill into law on May 6 after the Senate approved it on April 28. The bill regulates auto glass replacement and repair practices.
The Iowa law follows the same general pattern as other states’ bans and model legislation created by the National Council of Insurance Legislators (NCOIL). According to the new law, insured people cannot sign over any insurance policy duties, rights or benefits to an auto glass shop.
Before taking on a customer paying with insurance, shop owners in Iowa must ensure the customer has made a first-party claim and get the claim number.
Auto glass businesses cannot charge “a fee that exceeds an amount customarily charged for such service.” Shops also must give customers a “good-faith estimate” of the fee for the work and update the customer if that assessment changes.
“[A shop owner shall not] state that repairing or replacing damaged motor vehicle glass will be paid for entirely by an insurer and at no cost to the insured person unless such coverage has been verified by the insurer,” the law says.
Iowa shop owners also cannot encourage potential customers to damage the glass more.
The Iowa law requires shop owners to notify customers if their vehicle requires Advanced Driver Assistance Systems (ADAS) calibration and if the shop intends to perform the calibration “in a manner that meets the motor vehicle manufacturer’s standards.”
If the shop can’t perform the recalibration, someone at the shop must “advise the insured person or take the motor vehicle to the vehicle manufacturer’s certified dealership or a qualified [recalibration] specialist.”
Shops that violate this law “shall be deemed to have committed an unfair trade practice” and could receive a significant fine. The Commissioner of Insurance could order civil penalties of $1,000 to $50,000 for bill violations.
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