Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good long-term capitalization index (6.7) based on good current risk adjusted capital (severe loss scenarios) reflecting some improvement over results in 2024. Good profitability index (5.0) with operating losses during 2024. Excellent expense controls.
Other Rating Factors:
Good liquidity (5.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.3) despite excessive premium growth, negative cash flow from operations for 2025 and fair risk adjusted capital in prior years. Other stability subfactors include potentially strong support from affiliation with CSAA Ins Exchange Group, good operational trends and excellent risk diversification.
Stability Factors:
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
AZ, CA
Principal Investments:
Investment grade bonds (10.6%), other (89.4%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
--
Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
CSAA Ins Exchange Group
Investment Rating
--
Company Address
5353 West Bell Road
Glendale, AZ 85308
Glendale, AZ 85308
Phone Number
(800) 207-3618
NAIC Number
16392
Website
Largest Affiliates