C
Auto Club County Mutl Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair long-term capitalization index (3.0 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the fair range over the last two years. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair profitability index (4.6) with operating losses during 2023.
Other Rating Factors: Vulnerable liquidity (2.9) as a spike in claims may stretch capacity. Fair overall results on stability tests (3.7) including excessive premium growth and weak risk adjusted capital in prior years. Strengths include potentially strong support from affiliation with Auto Club Exchange Group.
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. L - Past results on our liquidity tests.
Principal Lines of Business: Personal/comm auto (100.0%)
Licensed in: TX
Principal Investments: Investment grade bonds (97.0%), cash (0.4%), other (2.6%)
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
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Auto Club Exchange Group
Investment Rating
--
Company Address
3333 Fairview Road
Costa Mesa, CA 92626
Phone Number
(714) 850-5111
NAIC Number
29327
Largest Affiliates
B
Costa Mesa, CA - P&C
B
Costa Mesa, CA - P&C
D
San Diego, CA - P&C
B
Costa Mesa, CA - P&C