| Market Share(%)1999 | Market Share(%)1998 | Simple combined ratio (%)1999 | Simple combined ratio (%)1998 | Direct Premiums written ($000) 1999 | Direct Premiums written ($000) 1998 | Direct losses incurred ($000) 1999 | Direct losses incurred ($000) 1998 | Losses and LAE ratio (%) 1999 | Losses and LAE ratio (%) 1998 | Expense Ratio (%) 1999 | Expense Ratio (%) 1998 | | State Aggregates | 100 | 100 | 81.1 | 80.2 | 120,567,338 | 118,993,828 | 78,324,117 | 74,082,417 | 68.68 | 66.04 | 12.39 | 14.12 | | 1. State Farm Mutual Group | 19.04 | 19.98 | 82.2 | 84.1 | 22,958,346 | 23,769,823 | 16,006,078 | 15,880,756 | 72.45 | 69.02 | 9.75 | 15.13 | | 2. Allstate Insurance Co Group | 12.02 | 12.22 | 76 | 72.6 | 14,496,207 | 14,537,457 | 8,447,912 | 7,911,093 | 64.08 | 60.87 | 11.9 | 11.7 | | 3. Farmers Insurance Group | 5.6 | 5.8 | 83.2 | 82 | 6,753,494 | 6,898,532 | 4,549,033 | 4,529,007 | 69.99 | 68.81 | 13.21 | 13.16 | | 4. Progressive Casualty Group | 4.74 | 4.11 | 75.3 | 68.9 | 5,710,722 | 4,896,355 | 3,328,657 | 2,545,512 | 65.05 | 57.76 | 10.29 | 11.1 | | 5. Nationwide Group | 4.29 | 4.24 | 83.3 | 82.3 | 5,171,691 | 5,040,657 | 3,367,387 | 3,188,668 | 69.23 | 67.09 | 14.09 | 15.2 | | 6. National Indemnity Co Group | 4 | 3.41 | 77.9 | 72 | 4,819,557 | 4,060,313 | 3,329,216 | 2,558,565 | 74.88 | 68.86 | 2.98 | 3.11 | | 7. United Services Automobile Asn Group | 3.14 | 0 | 83.4 | NA | 3,786,900 | 0 | 2,488,110 | 0 | 69.96 | NA | 13.45 | NA | | 8. Liberty Mutual Group | 2.29 | 1.91 | 73.1 | 73.1 | 2,764,557 | 2,270,360 | 1,713,093 | 1,424,528 | 66.62 | 68.73 | 6.48 | 4.33 | | 9. American International Group | 2.26 | 1.87 | 78.2 | 70 | 2,719,607 | 2,222,626 | 1,650,104 | 1,312,592 | 67.21 | 60.86 | 10.99 | 9.12 | | 10. American Family Insurance Group | 1.99 | 1.89 | 82.1 | 80.8 | 2,396,849 | 2,250,693 | 1,586,867 | 1,431,138 | 71.31 | 69.98 | 10.8 | 10.83 | | 11. Travelers Insurance Group | 1.96 | 1.91 | 82.9 | 77 | 2,359,592 | 2,277,802 | 1,489,002 | 1,257,293 | 67.24 | 60.47 | 15.65 | 16.54 | | 12. Safeco Insurance Co Group | 1.43 | 1.47 | 87.5 | 81.8 | 1,724,492 | 1,749,189 | 1,220,530 | 1,118,969 | 72.62 | 66.2 | 14.85 | 15.56 | | 13. Hartford Fire Group | 1.4 | 1.2 | 77.6 | 72.2 | 1,688,989 | 1,425,289 | 1,036,401 | 856,805 | 70.1 | 66.44 | 7.5 | 5.77 | | 14. Metropolitan Property & Liab Group | 1.21 | 0.99 | 74.3 | 72.9 | 1,464,100 | 1,178,594 | 924,150 | 715,657 | 64.13 | 63.42 | 10.19 | 9.47 | | 15. California State Automobile Assoc | 1.19 | 0 | 99 | NA | 1,433,477 | 0 | 1,010,010 | 0 | 73.27 | NA | 25.69 | NA | | 16. CGU Insurance Group | 1.03 | 1.09 | 89 | 89.5 | 1,237,479 | 1,292,059 | 850,159 | 872,496 | 71.72 | 72.26 | 17.28 | 17.24 | | 17. Continental Ins Companies (The) | 1.02 | 0.92 | 89.7 | 76.5 | 1,224,743 | 1,099,784 | 845,536 | 606,490 | 71.9 | 58.74 | 17.77 | 17.77 | | 18. Erie Insurance Exchange Group | 1.01 | 1.05 | 78.8 | 78.3 | 1,221,119 | 1,253,483 | 773,570 | 758,857 | 65.39 | 64.02 | 13.41 | 14.28 | | 19. Great American Group | 0.97 | 1.08 | 79.7 | 79.1 | 1,168,412 | 1,287,845 | 741,978 | 799,218 | 65.34 | 64.32 | 14.31 | 14.73 | | 20. Interins Exch of the Automobile Club | 0.95 | 0.89 | 74.6 | 73.3 | 1,142,797 | 1,062,822 | 628,349 | 596,023 | 60.06 | 61.58 | 14.5 | 11.69 | | 21. Mercury Casualty Group | 0.9 | 0.86 | 79.3 | 74.1 | 1,079,649 | 1,022,350 | 579,800 | 487,546 | 59.67 | 54.3 | 19.62 | 19.82 | | 22. Prudential Prop & Casualty Insurance | 0.87 | 0.99 | 59.5 | 58.8 | 1,047,188 | 1,176,213 | 549,959 | 619,582 | 53.26 | 52.65 | 6.28 | 6.18 | | 23. Auto Club Insurance Association | 0.79 | 0.82 | 62.3 | 73.4 | 950,645 | 976,203 | 563,671 | 687,039 | 61.6 | 72.88 | 0.74 | 0.54 | | 24. Hanover Insurance Co Group | 0.77 | 0.69 | 83.9 | 92.5 | 923,872 | 817,710 | 661,193 | 603,358 | 68.02 | 74.08 | 15.88 | 18.47 | | 25. Commerce Group Inc | 0.69 | 0.58 | 86.7 | 81.3 | 830,129 | 687,231 | 509,944 | 392,606 | 66.76 | 61.29 | 19.99 | 19.99 | | 26. Sun Alliance USA Group | 0.65 | 0.19 | 81.6 | 69.3 | 784,375 | 229,984 | 501,211 | 108,600 | 64.77 | 50.76 | 16.8 | 18.51 | | 27. Auto-Owners Insurance Group | 0.59 | 0.5 | 89.9 | 94.3 | 710,503 | 595,231 | 503,079 | 429,283 | 73.9 | 76.11 | 15.97 | 18.19 | | 28. St Paul Fire & Marine Insurance Co | 0.56 | 0.71 | 74.3 | 87.3 | 680,042 | 844,951 | 377,180 | 561,243 | 56.01 | 69.97 | 18.26 | 17.29 | | 29. Fl Farm Bureau Group | 0.56 | 0.55 | 81.1 | 77.7 | 677,576 | 653,462 | 480,460 | 445,471 | 73.15 | 70.78 | 7.92 | 6.92 | | 30. Amica Mutual Group | 0.56 | 0.57 | 81.4 | 72.9 | 673,191 | 674,123 | 388,711 | 388,785 | 59.77 | 57.2 | 21.61 | 15.74 | | 31. Sentry Insurance a Mutual Co Group | 0.51 | 0.56 | 78.9 | 84.8 | 619,580 | 662,592 | 395,425 | 463,167 | 64.18 | 70.16 | 14.77 | 14.62 | | 32. Lumbermens Mutual Casualty Cos | 0.45 | 0.45 | 83.4 | 84.2 | 546,427 | 537,071 | 321,359 | 335,668 | 63.75 | 65.63 | 19.7 | 18.57 | | 33. Ohio Casualty Insurance Co | 0.45 | 0.44 | 88.2 | 87.1 | 544,404 | 521,655 | 371,239 | 345,127 | 72.63 | 71.01 | 15.53 | 16.07 | | 34. New Jersey Manufacturers Group | 0.45 | 0.48 | 95.4 | 93.8 | 539,771 | 573,332 | 348,820 | 362,660 | 68.95 | 71.78 | 26.47 | 21.98 | | 35. Colonial Penn Group | 0.44 | 0.44 | 81.2 | 76 | 535,262 | 518,950 | 410,441 | 354,390 | 77.74 | 71.82 | 3.46 | 4.17 | | All Other Companies (512) | 19.23 | 25.15 | 84.4 | 85.2 | 23,181,594 | 29,929,087 | 15,375,483 | 19,134,225 | 68.96 | 67.08 | 15.4 | 18.1 | |