B
CSAA Ins Exchange
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Good long-term capitalization index (6.7 on a scale of 0 to 10) based on good current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Good overall results on stability tests (6.7) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification. The largest net exposure for one risk is conservative at 1.2% of capital. Fair profitability index (3.5) with operating losses during 2022 and 2023.
Other Rating Factors: Fair liquidity (4.4) as cash resources may not be adequate to cover a spike in claims. Ample reserve history (9.3) that helps to protect the company against sharp claims increases.
Stability Factors: L - Past results on our liquidity tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (74.6%), homeowners (20.1%), fire (2.6%), other (2.7%)
Licensed in: CA, NV
Principal Investments: Investment grade bonds (56.9%), common stock (11.1%), non investment grade bonds (3.6%), cash (2.6%), preferred stock (0.5%), other (25.3%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
CSAA Ins Exchange
Investment Rating
--
Company Address
3055 Oak Road
Walnut Creek, CA 94597
Phone Number
(800) 207-3618
NAIC Number
15539
Largest Affiliates
C
Glendale, AZ - P&C
B
Glendale, AZ - P&C
B
Walnut Creek, CA - P&C
B
Walnut Creek, CA - P&C
B
Walnut Creek, CA - P&C