B
MemberSelect Ins Co
Rating Date
April 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 liquidity (5.3 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.5) despite. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (7.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors: Ample reserve history (9.4) that helps to protect the company against sharp claims increases. Weak profitability index (2.4) with operating losses during 2022, 2023 and 2024.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (79.9%), homeowners (18.9%), comm multi (0.3%), other (0.9%)
Licensed in: GA, IA, IL, IN, MD, MI, MN, ND, NE, OH, TN
Principal Investments: Investment grade bonds (98.0%), other (2.0%)
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
1 Auto Club Drive
Dearborn, MI 48126
Phone Number
(313) 336-1234
NAIC Number
21229
Largest Affiliates
B
Dearborn, MI - P&C
C
Dearborn, MI - L&A
B
Tampa, FL - P&C
B
Dearborn, MI - P&C
B
Tampa, FL - P&C