# NAIC P&C Insurance Market Share Rankings API

> NAIC P&C Insurance Market Share Rankings API is a paid API for AI agents from api.querylines.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Returns top U.S. P&C insurance carriers ranked by direct premiums written for a given state or countrywide scope and line of business, with year-over-year change and market concentration metrics (CR4/CR10).

## Facts

- Endpoint: GET https://api.querylines.com/v1/carriers
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/naic-p-c-insurance-market-share-rankings-api-42edb2b8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_kwiQetNtS4yPQD4aBI9G9

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability naic-p-c-insurance-market-share-rankings-api-42edb2b8
```

Example prompt: Who are the top 10 P&C insurance carriers in Florida for homeowners insurance, ranked by direct premiums written, and how has their market share changed year over year?

## When to prefer this

Use this endpoint when you need authoritative NAIC-sourced rankings of U.S. P&C insurance carriers by direct premiums written, especially for market concentration analysis, competitive intelligence, or regulatory research at the state or national level. Prefer this over general web searches when you need structured, comparable data with year-over-year trends and CR4/CR10 concentration metrics derived from official NAIC filings.

## Known failure modes

- Invalid or unrecognized NAIC line_code returns an error or empty result
- Invalid state jurisdiction code returns an error
- Limit exceeding 125 is rejected
- Free tier only returns top-125 countrywide or top-10 per state; paid query required for full results
- Year parameter outside available data range returns an error or empty result
- Payment failure (x402) prevents access to paid queries

## How this service works

Top U.S. P&C insurance carriers (NAIC groups and standalone companies, ranked together) by direct premiums written, for a state or countrywide and a line of business, with year-over-year change and CR4/CR10 concentration. Free annual NAIC Market Share Report -- top-125 countrywide / top-10 per state only; absence from results is not zero business. $0.10/query. Free: /v1/carriers/lines, /v1/carriers/sample.

## Output

A ranked list of up to 125 NAIC insurance groups and standalone companies by direct premiums written for the specified state (or countrywide) and line of business, including each carrier's premium volume, market share rank, year-over-year premium change, and aggregate market concentration metrics (CR4 and CR10). Note: absence from results does not imply zero business written.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "line": {
       "type": "string",
       "default": "total_all_lines",
       "description": "NAIC line_code or category bucket"
      },
      "year": {
       "type": "integer",
       "description": "Data year; default latest loaded"
      },
      "limit": {
       "type": "integer",
       "default": 10,
       "maximum": 125,
       "minimum": 1
      },
      "scope": {
       "enum": [
        "us",
        "us_alien"
       ],
       "type": "string",
       "default": "us"
      },
      "state": {
       "type": "string",
       "description": "Jurisdiction code, e.g. FL; omit for countrywide"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "line": "total_all_lines",
  "year": 2024,
  "limit": 5,
  "lines": [
   {
    "line": "total_all_lines",
    "year": 2024,
    "scope": "state",
    "state": "FL",
    "total": {
     "dpe": 27100000000,
     "dpw": 27800000000,
     "lcc_ratio": 5.1,
     "loss_ratio": 61.4
    },
    "carriers": [
     {
      "dpe": 3050000000,
      "dpw": 3120000000,
      "name": "State Farm Group",
      "rank": 1,
      "lcc_ratio": 5.4,
      "naic_code": "0212",
      "loss_ratio": 62.1,
      "entity_kind": "group",
      "yoy_dpw_pct": 4.3,
      "market_share": 11.2,
      "share_delta_pts": 0.2,
      "cumulative_market_share": 11.2
     },
     {
      "dpe": 2790000000,
      "dpw": 2870000000,
      "name": "Citizens Property Insurance Corp",
      "rank": 2,
      "lcc_ratio": 4.9,
      "naic_code": "13439",
      "loss_ratio": 58.7,
      "entity_kind": "company",
      "yoy_dpw_pct": -6.1,
      "market_share": 10.3,
      "share_delta_pts": -0.8,
      "cumulative_market_share": 21.5
     }
    ],
    "all_other": {
     "dpw": 8340000000,
     "market_share": 30
    },
    "line_name": "Total All Lines",
    "concentration": {
     "cr4": 34.8,
     "cr10": 52.1
    },
    "comparability_note": null
   }
  ],
  "scope": "state",
  "state": "FL",
  "source": "NAIC Market Share Report (P/C), data year 2024",
  "data_as_of": "2024",
  "report_date": "2025-06-15",
  "coverage_note": "Source: free annual NAIC Market Share Report. Tables are top-125 countrywide or top-10 per jurisdiction ONLY -- absence from these results does NOT mean a carrier writes no business there."
 }
}
```

## More

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