Direct General Ins Co
Major Rating Factors:
Poor long-term capitalization index (1.6 on a scale of 0 to 10) based on weak current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Weak profitability index (1.9) with operating losses during 2025. Vulnerable liquidity (1.5) as a spike in claims may stretch capacity.
Other Rating Factors:
Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.9) including excessive premium growth.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (99.0%), other (1.0%)
Licensed in:
AL, CA, FL, GA, IL, IN, KS, MO, MS, OK, PA, SC, TN, TX, VA
Principal Investments:
Investment grade bonds (87.4%), other (12.6%)
Corporate Info
Group Affiliation
The Allstate Corporation
Investment Rating
Company Address
450 W. Hanes Mill Road
Winston-Salem, NC 27105
Winston-Salem, NC 27105
Phone Number
(800) 526-0332
NAIC Number
42781
Website
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