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Company Details

  STATE AUTOMOBILE MUTUAL INSURANCE COMPANY License Status :
Active

NAIC Number :

25135


Phone Number:

6144645000


Company Address:

518 East Broad Street 
Columbus, OH  43215

Description:

Property and Casualty


License Number:

B422559


Date Admitted:

1939-08-23


Market Share

Link to Supplemental Data Page

Year Line Market Share Direct Premium Written Direct Premium Earned Direct Losses Paid Direct Losses Incurred Loss Ratio
2023 Total Property & Casualty 0.47% $74,742,031 $74,498,043 $53,219,429 $57,238,274 76.83 %
2023 Total Fire & Allied Lines 1.46% $11,326,733 $10,910,157 $6,203,891 $5,995,897 54.96 %
2023 Commercial Fire & Allied Lines 3.52% $11,326,733 $10,910,157 $6,203,891 $5,995,897 54.96 %
2023 Farmowners Multi-Peril 3.47% $8,374,729 $7,436,935 $3,741,211 $4,104,984 55.20 %
2023 Total Homeowners 0.71% $21,179,071 $22,539,143 $18,892,375 $19,943,409 88.48 %
2023 Homeowners Multi-Peril 0.73% $21,179,071 $22,539,143 $18,892,375 $19,943,409 88.48 %
2023 Commercial Multi-Peril 0.87% $9,615,937 $8,743,201 $6,869,455 $6,296,013 72.01 %
2023 Ocean Marine 0.00% $2,005 $2,062 $0 $25 1.21 %
2023 Inland Marine (Incl Auto Cargo) 0.06% $345,995 $349,680 $147,544 $83,992 24.02 %
2023 Earthquake 0.61% $874,216 $941,606 $0 $0 0.00 %
2023 Direct Workers Compensation 0.02% $190,726 $235,558 $31,282 $111,300 47.25 %
2023 Other Liability - Bodily Injury & Property Damage 0.29% $2,792,625 $2,551,732 $831,668 $2,017,712 79.07 %
2023 Products Liability 0.09% $43,085 $44,327 $0 $11,228 25.33 %
2023 Total Private Passenger Automobile 0.16% $8,754,696 $10,648,821 $10,262,962 $9,174,163 86.15 %
2023 Private Passenger Auto Liability Bodily Injury 0.18% $2,372,499 $2,864,308 $6,047,436 $5,434,025 N/A
2023 Private Passenger Auto Liability Property Damage 0.15% $1,459,814 $1,762,424 $564,537 $548,646 31.13 %
2023 Private Passenger Auto Medical Payments 0.21% $181,958 $219,649 $126,478 $115,162 52.43 %
2023 Private Passenger Uninsured Motorists 0.09% $269,057 $324,785 $0 $0 0.00 %
2023 Private Passenger Underinsured Motorists 0.37% $423,906 $511,758 $343,542 $32,859 6.42 %
2023 Private Passenger Auto Comprehensive 0.10% $1,118,813 $1,372,687 $984,991 $847,493 61.74 %
2023 Private Passenger Auto Collision 0.19% $2,928,649 $3,593,210 $2,195,978 $2,195,978 61.11 %
2023 Total Commercial Automobile 1.08% $11,115,452 $9,970,093 $6,239,041 $9,494,113 95.23 %
2023 Commercial Auto Liability Bodily Injury 1.23% $6,352,878 $5,694,858 $3,329,574 $6,060,799 N/A
2023 Commercial Auto Medical Payments 3.74% $281,409 $252,226 $147,488 $268,454 N/A
2023 Commercial Auto Uninsured Motorists 2.06% $859,356 $770,223 $450,392 $819,788 N/A
2023 Commercial Auto Comprehensive 1.49% $1,783,704 $1,601,945 $1,138,433 $1,154,924 72.10 %
2023 Commercial Auto Collision 0.91% $1,838,105 $1,650,841 $1,173,154 $1,190,148 72.09 %
2023 Fidelity 0.01% $2,076 $2,085 $0 $97 4.65 %
2023 Burglary & Theft 0.22% $17,032 $16,222 $0 $726 4.48 %
2023 Boiler & Machinery 0.24% $107,653 $106,421 $0 $4,615 4.34 %
2022 Total Property & Casualty 0.53% $76,430,997 $71,465,369 $40,344,505 $48,025,133 67.20 %
2022 Total Fire & Allied Lines 2.26% $10,878,741 $8,966,661 $5,569,049 $5,643,046 62.93 %
2022 Commercial Fire & Allied Lines 3.44% $10,878,741 $8,966,661 $5,569,049 $5,643,046 62.93 %
2022 Farmowners Multi-Peril 2.83% $6,443,766 $5,794,899 $3,043,874 $2,560,444 44.18 %
2022 Total Homeowners 0.90% $24,447,268 $23,759,605 $13,970,457 $15,087,136 63.50 %
2022 Homeowners Multi-Peril 0.94% $24,447,268 $23,759,605 $13,970,457 $15,087,136 63.50 %
2022 Commercial Multi-Peril 0.77% $7,710,316 $6,862,931 $2,418,019 $5,013,576 73.05 %
2022 Ocean Marine 0.01% $2,529 $2,470 $0 $26 1.05 %
2022 Inland Marine (Incl Auto Cargo) 0.07% $357,627 $326,754 $156,203 $228,005 69.78 %
2022 Earthquake 0.73% $1,002,970 $935,120 $0 $0 0.00 %
2022 Direct Workers Compensation 0.02% $198,370 $243,010 $2,584 $50,133 20.63 %
2022 Other Liability - Bodily Injury & Property Damage 0.28% $2,365,495 $1,946,751 $387,889 $1,188,110 61.03 %
2022 Products Liability 0.09% $39,518 $40,166 $0 $15,856 39.48 %
2022 Total Private Passenger Automobile 0.28% $13,461,375 $13,763,948 $10,587,603 $10,757,135 78.15 %
2022 Private Passenger Auto Liability Bodily Injury 0.29% $3,552,188 $3,626,958 $5,135,608 $5,827,820 N/A
2022 Private Passenger Auto Liability Property Damage 0.26% $2,185,684 $2,231,686 $479,416 $223,336 10.01 %
2022 Private Passenger Auto Medical Payments 0.31% $272,434 $278,133 $107,408 $47,066 16.92 %
2022 Private Passenger Uninsured Motorists 0.16% $402,842 $411,263 $0 $-238,408 -57.97 %
2022 Private Passenger Underinsured Motorists 0.73% $634,687 $648,018 $291,743 $478,450 73.83 %
2022 Private Passenger Accidential Death & Disab/Dism 0.09% $1,416 $1,138 $0 $1,224 N/A
2022 Private Passenger Auto Comprehensive 0.19% $1,772,461 $1,815,200 $1,416,168 $1,260,387 69.44 %
2022 Private Passenger Auto Collision 0.36% $4,639,663 $4,751,552 $3,157,260 $3,157,260 66.45 %
2022 Total Commercial Automobile 0.96% $9,395,477 $8,715,848 $4,205,934 $7,472,383 85.73 %
2022 Commercial Auto Liability Bodily Injury 1.13% $5,390,291 $4,985,506 $1,651,231 $4,358,457 87.42 %
2022 Commercial Auto Medical Payments 3.34% $238,770 $220,809 $73,143 $193,047 87.43 %
2022 Commercial Auto Uninsured Motorists 1.94% $729,146 $674,284 $223,363 $589,512 87.43 %
2022 Commercial Auto Comprehensive 1.21% $1,495,825 $1,396,314 $1,112,139 $1,148,175 82.23 %
2022 Commercial Auto Collision 0.84% $1,541,445 $1,438,935 $1,146,058 $1,183,192 82.23 %
2022 Fidelity 0.01% $2,096 $1,128 $0 $92 8.16 %
2022 Burglary & Theft 0.22% $16,205 $11,979 $0 $818 6.83 %
2022 Boiler & Machinery 0.28% $109,244 $94,099 $2,893 $8,373 8.90 %
2021 Total Property & Casualty 0.48% $64,115,804 $55,586,335 $30,546,412 $39,049,073 70.25 %
2021 Total Fire & Allied Lines 1.05% $6,916,619 $5,337,106 $4,046,584 $4,250,417 79.64 %
2021 Commercial Fire & Allied Lines 2.07% $6,916,619 $5,337,106 $4,046,584 $4,250,417 79.64 %
2021 Farmowners Multi-Peril 2.52% $5,351,399 $4,911,335 $1,710,620 $3,116,061 63.45 %
2021 Total Homeowners 0.90% $22,248,969 $19,932,614 $13,096,749 $15,302,967 76.77 %
2021 Homeowners Multi-Peril 0.94% $22,248,969 $19,932,614 $13,096,749 $15,302,967 76.77 %
2021 Commercial Multi-Peril 0.65% $5,939,841 $4,730,107 $1,180,422 $2,077,998 43.93 %
2021 Ocean Marine 0.00% $1,917 $1,361 $0 $4 0.29 %
2021 Inland Marine (Incl Auto Cargo) 0.05% $252,973 $199,587 $18,754 $16,725 8.38 %
2021 Earthquake 0.64% $836,131 $730,467 $0 $16,902 2.31 %
2021 Direct Workers Compensation 0.03% $273,344 $190,957 $28,144 $-10,531 -5.51 %
2021 Other Liability - Bodily Injury & Property Damage 0.17% $1,361,705 $977,058 $89,973 $69,050 7.07 %
2021 Products Liability 0.10% $39,058 $38,985 $0 $-5,660 -14.52 %
2021 Total Private Passenger Automobile 0.30% $13,129,447 $12,336,804 $7,624,638 $9,492,697 76.95 %
2021 Private Passenger Auto Liability Bodily Injury 0.59% $6,884,779 $6,519,066 $4,026,028 $5,732,795 87.94 %
2021 Private Passenger Auto Comprehensive 0.72% $6,244,668 $5,817,738 $3,598,610 $3,759,902 64.63 %
2021 Total Commercial Automobile 0.85% $7,684,598 $6,136,991 $2,750,528 $4,723,355 76.97 %
2021 Commercial Auto Liability Bodily Injury 0.96% $4,387,315 $3,488,220 $1,186,243 $2,799,126 80.25 %
2021 Commercial Auto Liability Property Damage 0.00% $564 $1,885 $499 $698 37.03 %
2021 Commercial Auto Medical Payments 2.92% $194,342 $154,494 $52,546 $123,973 80.24 %
2021 Commercial Auto Uninsured Motorists 2.00% $593,473 $471,778 $160,463 $378,578 80.24 %
2021 Commercial Auto Comprehensive 1.21% $1,235,610 $995,120 $665,244 $699,818 70.32 %
2021 Commercial Auto Collision 0.74% $1,273,294 $1,025,494 $685,533 $721,162 70.32 %
2021 Fidelity 0.00% $241 $161 $0 $-106 -65.84 %
2021 Surety 0.00% $0 $0 $0 $-296 N/A
2021 Burglary & Theft 0.09% $6,419 $2,305 $0 $-5 -0.22 %
2021 Boiler & Machinery 0.19% $73,143 $60,497 $0 $-505 -0.83 %

Enforcements

The department has not taken enforcement action against this company in the past three years.

Link to Enforcements Page


Complaint Index

Year Line Market Share Number of Complaints Complaint Index
2023 Private Passenger Auto 0.24% 4 95
2023 Homeowners 0.93% 16 138
2022 Private Passenger Auto 0.29% 5 116
2022 Homeowners 0.93% 9 100
2021 Private Passenger Auto 0.31% 6 128
2021 Homeowners 0.85% 5 66


Company Changes

Effective Date: 08/01/2001

Comments: Meridian Mutual Insurance Co. merged with and into State Automobile Mutual Insurance Co.

Effective Date: 12/09/2008

Comments: Plaza Insurance Co. by State Automobile Mutual Insurance Co.

Effective Date: 07/02/2014

Comments: Effective 07/02/14 Meridian Mutual Insurance Company merged with and into State Automobile Mutual Insurance Company.


Market Conduct

Date: 04/26/2010

StateAutoInsurance.pdf

Date: 01/29/2015

StateAutomobileMutualMC.pdf

Date: 06/13/2022

SAMIC622.pdf

Date: 04/17/2024

SAMIC424.pdf


Financial Exams

This company does not have any financial exams.