Direct General Ins Co
Major Rating Factors:
Weak profitability index (1.9 on a scale of 0 to 10) with modest operating losses during the first nine months of 2025. Return on equity has been low, averaging 2.6% over the past five years. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (4.7) including excessive premium growth.
Other Rating Factors:
Fair long-term capitalization index (4.7) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (98.7%), other (1.3%)
Licensed in:
AL, CA, FL, GA, IL, IN, KS, MO, MS, OK, PA, SC, TN, TX, VA
Principal Investments:
Investment grade bonds (89.2%), other (10.8%)
Corporate Info
Group Affiliation
The Allstate Corporation
Investment Rating
Company Address
450 W. Hanes Mill Road
Winston-Salem, NC 27105
Winston-Salem, NC 27105
Phone Number
(800) 526-0332
NAIC Number
42781
Website
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