C
Stillwater Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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
3,477
1,264
4,741
26.66%
23.31%
2023
4,077
966
5,043
19.16%
22.83%
2022
4,535
1,215
5,750
21.13%
23.10%
2021
2,999
784
3,783
20.72%
22.81%
2020
1,316
373
1,689
22.08%
21.51%
2019
1,571
548
2,119
25.86%
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
0
0
0
0.00%
47.45%
2023
0
0
0
0.00%
47.29%
2022
0
0
0
0.00%
45.44%
2021
0
0
0
0.00%
44.40%
2020
0
0
0
0.00%
42.45%
2019
0
0
0
0.00%
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
180
285
465
61.29%
41.74%
2023
192
152
344
44.19%
38.64%
2022
173
184
357
51.54%
39.39%
2021
145
101
246
41.06%
40.41%
2020
139
180
319
56.43%
48.09%
2019
56
88
144
61.11%
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
12,665
8,749
21,414
40.86%
39.58%
2023
11,008
7,342
18,350
40.01%
36.96%
2022
9,775
7,044
16,819
41.88%
37.07%
2021
8,534
7,204
15,738
45.77%
39.17%
2020
4,375
3,503
7,878
44.47%
35.42%
2019
7,863
6,421
14,284
44.95%
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
5
19
24
79.17%
12.32%
2023
13
23
36
63.89%
16.34%
2022
22
22
44
50.00%
11.13%
2021
3
22
25
88.00%
18.93%
2020
4
15
19
78.95%
20.93%
2019
21
24
45
53.33%
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
993
454
1,447
31.38%
45.22%
2023
392
114
506
22.53%
44.64%
2022
411
101
512
19.73%
46.15%
2021
244
79
323
24.46%
46.87%
2020
310
108
418
25.84%
43.90%
2019
540
194
734
26.43%
42.09%