C
Allstate Ins Co
Rating Date
November 2024
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: Fair reserve development (4.3 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (3.0) with operating losses during 2022 and 2023. Return on equity has been fair, averaging 12.6% over the past five years. Good liquidity (5.7) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Good overall results on stability tests (6.4) despite. Strong long-term capitalization index (7.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (67.9%), homeowners (25.3%), comm multi (2.3%), fire (0.2%), other (4.3%)
Licensed in: All states except NJ, also licensed in Canada, PR
Principal Investments: Investment grade bonds (61.7%), non investment grade bonds (6.8%), common stock (4.5%), preferred stock (0.2%), real estate (0.1%), other (26.7%)
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
The Allstate Corporation
Investment Rating
ALL
Company Address
3100 Sanders Road
Northbrook, IL 60062
Phone Number
(847) 402-5000
NAIC Number
19232
Largest Affiliates
D
Winston-Salem, NC - P&C
C
JACKSONVILLE, FL - L&A
C
Winston-Salem, NC - P&C
D
Winston-Salem, NC - P&C
Weiss Ratings