In Personal Auto, we gained 1.9 points of market share in 2025, moving us up to 18.6% share, our second straight year of gaining more than 1.5 points, which no other top 20 company has done going back to at least 1996.

To put the last few years in perspective, it took us 84 years to get to 15.2 points of U.S. auto market share and only 2 years to add another 23% more on top of that. It's a remarkable achievement and testament to the value that our offerings bring to consumers seeking high-quality and affordable protection products.

In 2025, the private passenger auto market grew written premium about $11.8 billion. $8.9 billion of that was us. If you take just the top 10 carriers, that combined growth in 2025 was $10.4 billion. So we were 86% of that growth.

Growth is great to see, but profitable growth is our objective, and it's important to note that we gained that share while delivering Personal Auto combined ratios below 90 in 9 of the last 10 quarters.

seekingalpha.com - The progressive corporation pgr q1 earnings call transcript

I know Progressive is a formidable competitor, but didn’t realize just how formidable. Geico will have a tough time gaining profitable market share against Progressive. It will have to come against other weaker players.