C
Esurance Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
--
Total
Assets
Capital
Net
Premiums
Net
Income
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
15,991
6,042
22,033
27.42%
23.31%
2023
32,477
13,171
45,648
28.85%
22.83%
2022
42,366
17,812
60,178
29.60%
23.10%
2021
46,916
16,712
63,628
26.27%
22.81%
2020
45,317
15,264
60,581
25.20%
21.51%
2019
57,728
21,886
79,614
27.49%
22.66%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
3,193
2,637
5,830
45.23%
39.58%
2023
4,161
3,472
7,633
45.49%
36.96%
2022
3,219
3,515
6,734
52.20%
37.07%
2021
4,949
4,789
9,738
49.18%
39.17%
2020
5,211
6,559
11,770
55.73%
35.42%
2019
5,997
5,495
11,492
47.82%
35.34%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
4,340
2,928
7,268
40.29%
45.22%
2023
8,174
6,784
14,958
45.35%
44.64%
2022
9,294
9,451
18,745
50.42%
46.15%
2021
10,996
9,505
20,501
46.36%
46.87%
2020
11,797
9,109
20,906
43.57%
43.90%
2019
18,862
14,261
33,123
43.05%
42.09%