B
CSAA Ins Exchange
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
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Capital
Net
Premiums
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Major Rating Factors: Good overall results on stability tests (6.8 on a scale of 0 to 10) despite. Stability strengths include good operational trends, good risk adjusted capital for prior years and excellent risk diversification. The largest net exposure for one risk is conservative at 1.1% of capital. Fair profitability index (3.5) with operating losses during 2022 and 2023. Average return on equity over the last five years has been poor at -2.5%. Strong long-term capitalization index (7.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2024.
Other Rating Factors: Ample reserve history (9.3) that helps to protect the company against sharp claims increases. Excellent liquidity (7.2) 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 (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%)
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2-Year Reserve Development
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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