A
Pioneer State Mutual Ins Co
Flint,  MI
Rating Date
June 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
6.00
Risk Adjusted
Capital Ratio #2
3.70
Loss
Ratio
62.67%
Total
Assets
835.17M
Capital
532.45M
Net
Premiums
227.33M
Net
Income
6.48M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
14,600
399
14,999
2.66%
23.31%
2023
18,247
537
18,784
2.86%
22.83%
2022
18,056
451
18,507
2.44%
23.10%
2021
18,169
476
18,645
2.55%
22.81%
2020
17,839
346
18,185
1.90%
21.51%
2019
22,271
412
22,683
1.82%
22.66%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
28
3
31
9.68%
47.44%
2023
61
4
65
6.15%
47.29%
2022
48
0
48
0.00%
45.44%
2021
40
5
45
11.11%
44.40%
2020
41
2
43
4.65%
42.45%
2019
54
6
60
10.00%
44.33%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
96
32
128
25.00%
41.75%
2023
147
70
217
32.26%
38.64%
2022
151
83
234
35.47%
39.39%
2021
176
93
269
34.57%
40.41%
2020
113
119
232
51.29%
48.09%
2019
145
69
214
32.24%
43.30%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
2,803
1,003
3,806
26.35%
39.58%
2023
4,700
1,354
6,054
22.37%
36.96%
2022
3,448
1,066
4,514
23.62%
37.07%
2021
4,631
1,356
5,987
22.65%
39.17%
2020
4,169
1,297
5,466
23.73%
35.42%
2019
4,457
1,135
5,592
20.30%
35.34%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
1
0
1
0.00%
12.20%
2023
3
2
5
40.00%
16.34%
2022
1
4
5
80.00%
11.13%
2021
5
0
5
0.00%
18.93%
2020
1
2
3
66.67%
20.93%
2019
3
3
6
50.00%
16.90%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
869
96
965
9.95%
45.22%
2023
1,093
98
1,191
8.23%
44.64%
2022
953
83
1,036
8.01%
46.15%
2021
1,021
111
1,132
9.81%
46.87%
2020
910
106
1,016
10.43%
43.90%
2019
1,339
118
1,457
8.10%
42.09%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
25
2
27
7.41%
35.33%
2023
26
5
31
16.13%
35.67%
2022
26
6
32
18.75%
37.14%
2021
18
8
26
30.77%
35.46%
2020
22
5
27
18.52%
33.86%
2019
27
4
31
12.90%
34.01%