B
Auto Club Group Ins Co
Rating Date
June 2025
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: Good overall results on stability tests (6.9 on a scale of 0 to 10) despite. Other stability subfactors include potentially strong support from affiliation with Auto Club Ins Association Group, good operational trends and excellent risk diversification. Strong long-term capitalization index (8.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.4) that helps to protect the company against sharp claims increases.
Other Rating Factors: Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Weak profitability index (2.5) with operating losses during 2022, 2023 and 2024. Average return on equity over the last five years has been poor at -6.4%.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (72.9%), homeowners (25.1%), comm multi (0.7%), work comp (0.2%), farmowners (0.2%), other (1.0%)
Licensed in: IA, IN, MI, ND, NE, PA, WI
Principal Investments: Investment grade bonds (95.4%), other (4.6%)
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
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Corporate Info
Group Affiliation
Auto Club Ins Association Group
Investment Rating
--
Company Address
One Auto Club Drive
Dearborn, MI 48126
Phone Number
(313) 336-1234
NAIC Number
21210
Largest Affiliates
A
Dearborn, MI - P&C
C
Dearborn, MI - L&A
B
Tampa, FL - P&C
B
Dearborn, MI - P&C
B
Tampa, FL - P&C