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Policy Forms Used by the 10 Largest Private Passenger Automobile Insurance Groups in Nevada

As an informational resource for consumers, the Nevada Division of Insurance offers on this Web page free, downloadable copies of private passenger automobile insurance policy forms and mandatory amendatory endorsements offered by the 10 largest insurance groups writing private passenger automobile insurance in Nevada. The 10 groups were identified on the basis of market share by direct written premium, using 2013 data from the National Association of Insurance Commissioners (NAIC) database (I-Site). Consumers may use this information as a starting point in their comparison-shopping for insurance products.

Disclaimers

  1. State Farm Group2013 Market Share: 17.28%
    1.  State Farm Fire and Casualty Company and State Farm Mutual Automobile Insurance Company
  2. Zurich Insurance Group 2013 Market Share: 10.99%
    1. 21st Century Advantage Insurance Company, 21st Century Assurance Insurance Company, 21st Century Centennial Insurance Company, 21st Century North America Insurance Company, 21st Century Premier Insurance Company
    2. Farmers Insurance Exchange and Mid-Century Insurance Company
  3. Progressive Group2013 Market Share: 10.51%
    1. Progressive Casualty Insurance Company, Progressive Northwestern Insurance Company, Progressive Preferred Insurance Company, Progressive Specialty Insurance Company  
    2. Progressive Direct Insurance Company  
    3. Progressive Northern Insurance Company
  4. Allstate Insurance Group2013 Market Share: 10.33%
    1. Allstate Fire and Casualty Insurance Company  
    2. Allstate Indemnity Company  
    3. Allstate Insurance Company  
    4. Allstate Property and Casualty Insurance Company
    5. Encompass Home and Auto Insurance Company
    6. Encompass Indemnity Company
    7. Encompass Insurance Company of America
    8. Esurance Property & Casualty Insurance Company
    9. Esurance Insurance Company
  5. Berkshire Hathaway Group (including GEICO)2013 Market Share: 9.41%
    1. GEICO Casualty Company  
    2. GEICO General Insurance Company and Government Employees Insurance Company  
    3. GEICO Indemnity Company
  6. California State Auto Group2013 Market Share: 5.81%
    1. Western United Insurance Company, d.b.a. AAA Nevada Insurance Company
  7. United Services Automobile Association Group (USAA)2013 Market Share: 5.70%
    1. United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property & Casualty Insurance Company
  8. Liberty Mutual Group2013 Market Share: 5.33%
    1. Safeco Insurance Company of Illinois  
    2. Colorado Casualty Insurance Company  
    3. Liberty Insurance Corporation  
    4. Liberty Mutual Fire Insurance Company  
    5. LM General Insurance Company  
    6. LM Insurance Corporation  
    7. The First Liberty Insurance Corporation
  9. American Family Insurance Group – 2013 Market Share: 3.55%
    1. American Family Mutual Insurance Company  
    2. American Standard Insurance Company of Wisconsin
  10. Hartford Fire and Casualty Group – 2013 Market Share: 3.13%
    1. Hartford Accident and Indemnity Company
    2. Hartford Casualty Insurance Company and Hartford Fire Insurance Company  
    3. Hartford Insurance Company of the Midwest  
    4. Hartford Underwriters Insurance Company
    5. Property and Casualty Company of Hartford  
    6. Sentinel Insurance Company, Ltd.  
    7. Trumbull Insurance Company
    8. Twin City Fire Insurance Company  

Disclaimers

  1. Only the policy forms and amendatory endorsements that an insurance company requires its policyholders to have are available on this page. Insurance companies may also have optional amendatory endorsements which the policyholder may select to broaden, narrow, or otherwise alter the coverage provided. These optional features are not listed here.
  2. The policy documents on this page are presented for informational purposes only and are not intended to endorse, recommend, advertise, or comment on the quality of any particular insurer’s product in any manner, or to imply that the insurance products identified on this page are the only products available to consumers for this line of business. Consumers are encouraged to shop around to find companies and coverages that best suit their insurance needs.
  3. The content of the insurance forms alone determines available coverages and exclusions. The number of mandatory forms used by an insurance company does not necessarily correspond with the extent of coverage, or the extent of coverage restrictions, in that company’s product. Furthermore, the number of an insurer’s mandatory forms is not an indicator of the content or degree of complexity of the insurance policy language. Consumers are encouraged to read their insurance policies carefully.
  4. The information displayed on this page is the most current information available and known to the Nevada Division of Insurance. While the Division makes its best effort to keep this documentation current and accurate, these documents should be considered informational references only and are not a guarantee that any specific insurance product will be available to any specific insurance consumer. Furthermore, this information does not convey any other guarantees, express or implied, to the consumer. This effort is a work in progress and, as such, may be periodically updated, enhanced, revised, and expanded in scope.

Forms by Group and Company

State Farm Group – 2013 Market Share: 17.28%

Companies:  

  • State Farm Fire and Casualty Company – Open to New Business
  • State Farm Mutual Automobile Insurance Company – Open to New Business

Forms:

Zurich Insurance Group – 2013 Market Share: 10.99%

Status of Companies:

  • 21st Century Advantage Insurance Company – Legacy Only
  • 21st Century Assurance Insurance Company – Open to New Business
  • 21st Century Centennial Insurance Company – Legacy Only
  • 21st Century North America Insurance Company – Legacy Only
  • 21st Century Premier Insurance Company – Legacy Only
  • Farmers Insurance Exchange – Open to New Business
  • Mid-Century Insurance Company – Legacy Only

Companies:

  • 21st Century Advantage Insurance Company – Legacy Only
  • 21st Century Assurance Insurance Company – Open to New Business
  • 21st Century Centennial Insurance Company – Legacy Only
  • 21st Century North America Insurance Company – Legacy Only
  • 21st Century Premier Insurance Company – Legacy Only

Forms:

Companies:

  • Farmers Insurance Exchange – Open to New Business

  • Mid-Century Insurance Company – Legacy Only

Forms:

Progressive Group – 2013 Market Share: 10.51%

Status of Companies:

  • Progressive Casualty Insurance Company – Legacy Only

  • Progressive Direct Insurance Company – Open to New Business
  • Progressive Northern Insurance Company – Open to New Business
  • Progressive Northwestern Insurance Company – Legacy Only
  • Progressive Preferred Insurance Company – Legacy Only

  • Progressive Specialty Insurance Company – Legacy Only

Companies:

  • Progressive Casualty Insurance Company – Legacy Only
  • Progressive Northwestern Insurance Company – Legacy Only
  • Progressive Preferred Insurance Company – Legacy Only

  • Progressive Specialty Insurance Company – Legacy Only

Forms:

Company: Progressive Direct Insurance Company – Open to New Business

Company: Progressive Northern Insurance Company – Open to New Business

Allstate Insurance Group – 2013 Market Share: 10.33%

Status of Companies:

  • Allstate Fire and Casualty Insurance Company – Open to New Business

  • Allstate Indemnity Company – Open to New Business

  • Allstate Insurance Company – Legacy Only
  • 
Allstate Property and Casualty Insurance Company – Legacy Only

  • Encompass Home and Auto Insurance Company – Open to New Business
  • Encompass Indemnity Company – Legacy Only
  • Encompass Insurance Company of America – Legacy Only
  • Esurance Property & Casualty Insurance Company – Open to New Business
  • Esurance Insurance Company – Legacy Only

Company: Allstate Fire and Casualty Insurance Company – Open to New Business

Company: Allstate Indemnity Company – Open to New Business


Company: Allstate Insurance Company – Legacy Only

Company: Allstate Property and Casualty Insurance Company – Legacy Only

Company: Encompass Home and Auto Insurance Company – Open to New Business

Encompass Indemnity Company – Legacy Only

Encompass Insurance Company of America – Legacy Only

Esurance Property & Casualty Insurance Company – Open to New Business

Esurance Insurance Company – Legacy Only

Berkshire Hathaway Group (including GEICO) – 2013 Market Share: 9.41%

Status of Companies:

  • GEICO Casualty Company – Open to New Business

  • GEICO General Insurance Company – Legacy Only

  • Government Employees Insurance Company – Legacy Only

  • GEICO Indemnity Company – Legacy Only

Company: GEICO Casualty Company– Open to New Business

Companies: GEICO General Insurance Company and Government Employees Insurance Company – Legacy Only

Company: GEICO Indemnity Company – Legacy Only

California State Auto Group – 2013 Market Share: 5.81%

Western United Insurance Company, d.b.a. AAA Nevada Insurance Company – Open to New Business

United Services Automobile Association Group (USAA) – 2013 Market Share: 5.70%

Companies:

  • United Services Automobile Association – Open to New Business
 
  • USAA Casualty Insurance Company – Open to New Business
 
  • USAA General Indemnity Company – Open to New Business
 
  • Garrison Property & Casualty Insurance Company – Open to New Business

Forms:

Liberty Mutual Group – 2013 Market Share: 5.33%

Status of Companies:

  • Safeco Insurance Company of Illinois – Open to New Business

  • Colorado Casualty Insurance Company – Legacy Only

  • Liberty Mutual Fire Insurance Company – Legacy Only

  • The First Liberty Insurance Corporation – Legacy Only

  • Liberty Insurance Corporation – Legacy Only
  • 
LM General Insurance Company – Open to New Business

  • LM Insurance Corporation – Open to New Business

Company: Safeco Insurance Company of Illinois – Open to New Business

 

Owner Policy Forms

Named Non-Owner Policy Forms

Company: Colorado Casualty Insurance Company – Legacy Only

 

Owner Policy Forms

Company:  Liberty Insurance Corporation – Legacy Only

Company: Liberty Mutual Fire Insurance Company – Legacy Only

Company:  LM General Insurance Company – Open to New Business

Company: LM Insurance Corporation – Open to New Business

Company: The First Liberty Insurance Corporation – Legacy Only

American Family Insurance Group – 2013 Market Share: 3.55%

Status of Companies:

  • American Family Mutual Insurance Company – Open to New Business
  • 
American Standard Insurance Company of Wisconsin – Open to New Business

Company: American Family Mutual Insurance Company – Open to New Business

Company: American Standard Insurance Company of Wisconsin – Open to New Business

Hartford Fire and Casualty Group – 2013 Market Share: 3.13%

Status of Companies:

  • Hartford Accident and Indemnity Company – Open to New Business

  • Hartford Casualty Insurance Company – Legacy Only

  • Hartford Fire Insurance Company – Legacy Only

  • Hartford Insurance Company of the Midwest – Open to New Business
  • 
Hartford Underwriters Insurance Company – Legacy Only

  • Property and Casualty Company of Hartford – Legacy Only
  • 
Trumbull Insurance Company – Open to New Business
  • 
Twin City Fire Insurance Company – Open to New Business

  • Sentinel Insurance Company, Limited – Legacy Only

Company: Hartford Accident and Indemnity Company – Open to New Business

Companies: Hartford Casualty Insurance Company and Hartford Fire Insurance Company – Legacy Only

Company: Hartford Insurance Company of the Midwest – Open to New Business

Company: Hartford Underwriters Insurance Company – Legacy Only

Company: Property and Casualty Company of Hartford – Legacy Only

Company: Sentinel Insurance Company, Ltd. – Legacy Only

Company: Trumbull Insurance Company – Open to New Business

Company: Twin City Fire Insurance Company – Open to New Business