Company Details
Company Name:
STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANYLicense Status:
ActiveNAIC Number:
25127Company Address:
175 Berkeley Street Boston, MA 02116
Phone Number:
5152239438Mailing Address:
175 Berkeley Street Boston, MA 02116
Description:
Property and Casualty (Ch 379, RSMo)License Number:
B418160Date Admitted:
1969-10-08Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Property & Casualty | 0.09% | $16,121,610 | $16,509,686 | $0 | $19,405,519 | $29,358,434 | $0 | 151.29% |
| 2025 | Total Fire & Allied Lines | 1.41% | $9,506,867 | $9,212,164 | $0 | $14,051,219 | $18,004,441 | $0 | 128.13% |
| 2025 | Dwelling Fire & Allied Lines | 1.36% | $4,546,479 | $4,484,553 | $0 | $12,070,014 | $6,730,592 | $0 | 55.76% |
| 2025 | Commercial Fire & Allied Lines | 1.52% | $4,960,388 | $4,727,611 | $0 | $1,981,205 | $11,273,849 | $0 | 0% |
| 2025 | Total Homeowners | 0% | $-5,692 | $351,047 | $0 | $912,767 | $-1,079,806 | $0 | -118.3% |
| 2025 | Homeowners Multi-Peril | 0% | $-5,692 | $351,047 | $0 | $912,767 | $-1,079,806 | $0 | -118.3% |
| 2025 | Commercial Multi-Peril | 0.26% | $3,222,247 | $3,284,231 | $0 | $3,474,642 | $1,949,261 | $0 | 56.1% |
| 2025 | Travel Coverage | 0.1% | $162,950 | $184,815 | $0 | $2,768 | $15,735 | $0 | 0% |
| 2025 | Earthquake | 0.26% | $383,121 | $426,355 | $0 | $0 | $0 | $0 | 0% |
| 2025 | Direct Workers Compensation | 0.01% | $136,215 | $164,552 | $0 | $67,938 | $80,820 | $0 | 118.96% |
| 2025 | Other Liability - Bodily Injury & Property Damage | 0.15% | $1,549,376 | $1,601,979 | $0 | $534,928 | $9,964,063 | $0 | 0% |
| 2025 | Products Liability | 0.37% | $201,037 | $210,597 | $0 | $45,000 | $109,342 | $0 | 242.98% |
| 2025 | Total Private Passenger Auto | 0% | $-306 | $27,312 | $0 | $22,297 | $-376,173 | $0 | 0% |
| 2025 | Private Passenger Auto Liability - Bodily Injury | 0% | $-235 | $12,235 | $0 | $5,616 | $-384,048 | $0 | 0% |
| 2025 | Private Passenger Auto Liability - Property Damage | 0% | $-71 | $15,077 | $0 | $16,681 | $7,875 | $0 | 47.21% |
| 2025 | Total Commercial Auto | 0.1% | $848,928 | $921,883 | $0 | $267,006 | $583,109 | $0 | 218.39% |
| 2025 | Commercial Auto Liability - Property Damage | 0.47% | $848,928 | $921,883 | $0 | $267,006 | $583,109 | $0 | 218.39% |
| 2025 | Fidelity | 0.08% | $19,798 | $21,795 | $0 | $0 | $1,425 | $0 | 0% |
| 2025 | Burglary & Theft | 0.01% | $1,289 | $1,876 | $0 | $0 | $91 | $0 | 0% |
| 2025 | Boiler & Machinery | 0.12% | $64,942 | $66,988 | $0 | $26,954 | $16,346 | $0 | 60.64% |
| 2025 | Umbrella | 0.03% | $30,838 | $34,092 | $0 | $0 | $89,780 | $0 | 0% |
| 2024 | Total Property & Casualty | 0.1% | $17,845,810 | $20,000,750 | $0 | $19,703,885 | $34,841,823 | $0 | 176.83% |
| 2024 | Total Fire & Allied Lines | 1.4% | $8,872,195 | $9,201,416 | $0 | $10,577,749 | $17,650,552 | $0 | 166.86% |
| 2024 | Dwelling Fire & Allied Lines | 2.05% | $4,504,197 | $4,602,846 | $0 | $2,431,406 | $2,736,581 | $0 | 112.55% |
| 2024 | Commercial Fire & Allied Lines | 1.1% | $4,367,998 | $4,598,570 | $0 | $8,146,343 | $14,913,971 | $0 | 183.08% |
| 2024 | Total Homeowners | 0.03% | $1,082,171 | $1,655,458 | $0 | $1,749,260 | $2,415,090 | $0 | 138.06% |
| 2024 | Homeowners Multi-Peril | 0.03% | $1,082,171 | $1,655,458 | $0 | $1,749,260 | $2,415,090 | $0 | 138.06% |
| 2024 | Commercial Multi-Peril | 0.31% | $3,684,501 | $3,769,000 | $0 | $4,955,124 | $6,531,328 | $0 | 131.81% |
| 2024 | Travel Coverage | 0.13% | $217,367 | $245,824 | $0 | $48,340 | $30,352 | $0 | 62.79% |
| 2024 | Earthquake | 0.35% | $507,043 | $621,916 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Direct Workers Compensation | 0% | $-2,603 | $319,041 | $0 | $230,793 | $204,083 | $0 | 88.43% |
| 2024 | Other Liability - Bodily Injury & Property Damage | 0.19% | $1,838,795 | $2,205,780 | $0 | $501,633 | $6,161,970 | $0 | 0% |
| 2024 | Products Liability | 0.48% | $271,197 | $306,942 | $0 | $207,749 | $200,310 | $0 | 96.42% |
| 2024 | Total Private Passenger Auto | 0% | $104,146 | $153,071 | $0 | $419,022 | $126,702 | $0 | 30.24% |
| 2024 | Private Passenger Auto Liability - Property Damage | 0.01% | $104,146 | $153,071 | $0 | $419,022 | $126,702 | $0 | 30.24% |
| 2024 | Total Commercial Auto | 0.09% | $691,055 | $821,536 | $0 | $721,197 | $1,123,189 | $0 | 155.74% |
| 2024 | Commercial Auto Liability - Property Damage | 0.42% | $691,055 | $821,536 | $0 | $721,197 | $1,123,189 | $0 | 155.74% |
| 2024 | Private Passenger Auto - Comprehensive | 0.01% | $133,764 | $188,528 | $0 | $90,293 | $107,230 | $0 | 118.76% |
| 2024 | Commercial Auto - Comprehensive | 0.21% | $344,713 | $392,563 | $0 | $202,725 | $252,539 | $0 | 124.57% |
| 2024 | Fidelity | 0.09% | $23,496 | $25,735 | $0 | $0 | $947 | $0 | 0% |
| 2024 | Burglary & Theft | 0.02% | $2,293 | $2,420 | $0 | $0 | $89 | $0 | 0% |
| 2024 | Boiler & Machinery | 0.15% | $75,677 | $91,520 | $0 | $0 | $37,442 | $0 | 0% |
| 2023 | Total Property & Casualty | 0.14% | $21,581,862 | $21,469,920 | $0 | $13,977,085 | $13,554,452 | $0 | 96.98% |
| 2023 | Total Fire & Allied Lines | 1.2% | $9,293,614 | $8,902,201 | $0 | $7,403,794 | $4,763,645 | $0 | 64.34% |
| 2023 | Dwelling Fire & Allied Lines | 0.05% | $106,558 | $102,020 | $0 | $146,428 | $139,043 | $0 | 94.96% |
| 2023 | Commercial Fire & Allied Lines | 2.86% | $9,187,056 | $8,800,181 | $0 | $7,257,366 | $4,624,602 | $0 | 63.72% |
| 2023 | Total Homeowners | 0.06% | $1,831,233 | $1,920,580 | $0 | $1,144,479 | $1,080,149 | $0 | 94.38% |
| 2023 | Homeowners Multi-Peril | 0.06% | $1,831,233 | $1,920,580 | $0 | $1,144,479 | $1,080,149 | $0 | 94.38% |
| 2023 | Commercial Multi-Peril | 0.35% | $3,859,692 | $3,930,165 | $0 | $1,918,689 | $1,812,640 | $0 | 94.47% |
| 2023 | Inland Marine (Incl Auto Cargo) | 0.05% | $289,563 | $322,078 | $0 | $37,436 | $42,530 | $0 | 113.61% |
| 2023 | Earthquake | 0.47% | $670,714 | $679,239 | $0 | $0 | $0 | $0 | 0% |
| 2023 | Direct Workers Compensation | 0.09% | $949,206 | $708,865 | $0 | $287,510 | $567,410 | $0 | 197.35% |
| 2023 | Other Liability - Bodily Injury & Property Damage | 0.24% | $2,309,952 | $2,445,149 | $0 | $342,851 | $3,243,981 | $0 | 0% |
| 2023 | Products Liability | 0.77% | $380,570 | $419,317 | $0 | $453,549 | $106,213 | $0 | 23.42% |
| 2023 | Total Private Passenger Automobile | 0.01% | $412,784 | $423,585 | $0 | $293,949 | $240,437 | $0 | 81.8% |
| 2023 | Private Passenger Auto Liability Bodily Injury | 0.01% | $94,741 | $98,265 | $0 | $187,554 | $153,867 | $0 | 82.04% |
| 2023 | Private Passenger Auto Liability Property Damage | 0.01% | $58,295 | $60,463 | $0 | $17,508 | $16,636 | $0 | 95.02% |
| 2023 | Private Passenger Auto Medical Payments | 0.01% | $7,266 | $7,535 | $0 | $3,923 | $3,301 | $0 | 84.14% |
| 2023 | Private Passenger Uninsured Motorists | 0% | $10,744 | $11,142 | $0 | $0 | $0 | $0 | 0% |
| 2023 | Private Passenger Underinsured Motorists | 0.01% | $16,928 | $17,557 | $0 | $10,655 | $-6,407 | $0 | -60.13% |
| 2023 | Private Passenger Auto Comprehensive | 0.01% | $62,143 | $63,197 | $0 | $23,010 | $21,741 | $0 | 94.49% |
| 2023 | Private Passenger Auto Collision | 0.01% | $162,667 | $165,426 | $0 | $51,299 | $51,299 | $0 | 100% |
| 2023 | Total Commercial Automobile | 0.14% | $1,451,383 | $1,572,046 | $0 | $2,056,128 | $1,652,805 | $0 | 80.38% |
| 2023 | Commercial Auto Liability Bodily Injury | 0.17% | $889,550 | $970,465 | $0 | $1,313,819 | $1,253,962 | $0 | 95.44% |
| 2023 | Commercial Auto Medical Payments | 0.31% | $23,534 | $25,671 | $0 | $21,195 | $19,580 | $0 | 92.38% |
| 2023 | Commercial Auto Uninsured Motorists | 0.2% | $84,399 | $92,064 | $0 | $60,653 | $-146,199 | $0 | -241.04% |
| 2023 | Commercial Auto Comprehensive | 0.16% | $193,792 | $206,575 | $0 | $281,681 | $281,681 | $0 | 100% |
| 2023 | Commercial Auto Collision | 0.13% | $260,108 | $277,271 | $0 | $378,780 | $243,781 | $0 | 64.36% |
| 2023 | Fidelity | 0.1% | $26,659 | $28,474 | $0 | $38,700 | $39,877 | $0 | 103.04% |
| 2023 | Burglary & Theft | 0.03% | $2,505 | $2,925 | $0 | $0 | $118 | $0 | 0% |
| 2023 | Boiler & Machinery | 0.23% | $103,987 | $115,296 | $0 | $0 | $4,647 | $0 | 0% |
| 2022 | Total Property & Casualty | 0.15% | $21,698,173 | $22,816,945 | $0 | $7,387,164 | $13,779,550 | $0 | 186.53% |
| 2022 | Total Fire & Allied Lines | 1.82% | $8,735,872 | $8,890,329 | $0 | $3,985,115 | $6,150,268 | $0 | 154.33% |
| 2022 | Dwelling Fire & Allied Lines | 0.06% | $100,164 | $101,884 | $0 | $78,815 | $84,872 | $0 | 107.69% |
| 2022 | Commercial Fire & Allied Lines | 2.73% | $8,635,708 | $8,788,445 | $0 | $3,906,300 | $6,065,396 | $0 | 155.27% |
| 2022 | Total Homeowners | 0.07% | $1,972,724 | $2,062,689 | $0 | $643,401 | $716,768 | $0 | 111.4% |
| 2022 | Homeowners Multi-Peril | 0.08% | $1,972,724 | $2,062,689 | $0 | $643,401 | $716,768 | $0 | 111.4% |
| 2022 | Commercial Multi-Peril | 0.39% | $3,929,571 | $4,231,120 | $0 | $1,093,456 | $1,972,201 | $0 | 180.36% |
| 2022 | Inland Marine (Incl Auto Cargo) | 0.08% | $403,374 | $428,820 | $0 | $179,090 | $81,761 | $0 | 45.65% |
| 2022 | Earthquake | 0.52% | $708,554 | $739,979 | $0 | $0 | $0 | $0 | 0% |
| 2022 | Direct Workers Compensation | 0.03% | $361,099 | $406,855 | $0 | $130,395 | $119,828 | $0 | 91.9% |
| 2022 | Other Liability - Bodily Injury & Property Damage | 0.31% | $2,652,357 | $2,816,468 | $0 | $110,886 | $2,168,547 | $0 | 0% |
| 2022 | Other Liability - Warranty | 0.21% | $64,256 | $74,490 | $0 | $0 | $25,251 | $0 | 0% |
| 2022 | Products Liability | 1.16% | $511,902 | $528,817 | $0 | $84,972 | $205,988 | $0 | 242.42% |
| 2022 | Total Private Passenger Automobile | 0.01% | $449,947 | $457,583 | $0 | $474,989 | $399,374 | $0 | 84.08% |
| 2022 | Private Passenger Auto Liability Bodily Injury | 0.01% | $106,226 | $109,171 | $0 | $270,529 | $195,772 | $0 | 72.37% |
| 2022 | Private Passenger Auto Liability Property Damage | 0.01% | $65,361 | $67,174 | $0 | $25,254 | $23,318 | $0 | 92.33% |
| 2022 | Private Passenger Auto Medical Payments | 0.01% | $8,147 | $8,372 | $0 | $5,658 | $4,279 | $0 | 75.63% |
| 2022 | Private Passenger Uninsured Motorists | 0% | $12,047 | $12,379 | $0 | $0 | $0 | $0 | 0% |
| 2022 | Private Passenger Underinsured Motorists | 0.02% | $18,980 | $19,505 | $0 | $15,368 | $-22,495 | $0 | -146.38% |
| 2022 | Private Passenger Auto Comprehensive | 0.01% | $66,117 | $66,613 | $0 | $48,981 | $89,301 | $0 | 182.32% |
| 2022 | Private Passenger Auto Collision | 0.01% | $173,069 | $174,369 | $0 | $109,199 | $109,199 | $0 | 100% |
| 2022 | Total Commercial Automobile | 0.18% | $1,744,298 | $2,002,328 | $0 | $684,860 | $1,931,194 | $0 | 281.98% |
| 2022 | Commercial Auto Liability Bodily Injury | 0.22% | $1,055,252 | $1,224,946 | $0 | $183,599 | $451,745 | $0 | 246.05% |
| 2022 | Commercial Auto Medical Payments | 0.39% | $27,918 | $32,403 | $0 | $2,962 | $10,200 | $0 | 344.36% |
| 2022 | Commercial Auto Uninsured Motorists | 0.27% | $100,121 | $116,205 | $0 | $8,476 | $935,134 | $0 | 0% |
| 2022 | Commercial Auto Comprehensive | 0.19% | $239,521 | $268,451 | $0 | $208,905 | $208,905 | $0 | 100% |
| 2022 | Commercial Auto Collision | 0.18% | $321,486 | $360,323 | $0 | $280,918 | $325,210 | $0 | 115.77% |
| 2022 | Fidelity | 0.12% | $32,719 | $36,039 | $0 | $0 | $1,729 | $0 | 0% |
| 2022 | Burglary & Theft | 0.06% | $4,036 | $4,352 | $0 | $0 | $195 | $0 | 0% |
| 2022 | Boiler & Machinery | 0.33% | $127,464 | $137,076 | $0 | $0 | $6,446 | $0 | 0% |
| 2021 | Total Property & Casualty | 0.18% | $23,821,960 | $25,217,860 | $0 | $14,208,187 | $12,498,375 | $0 | 87.97% |
| 2021 | Total Fire & Allied Lines | 1.37% | $9,031,303 | $9,493,619 | $0 | $4,199,726 | $3,929,127 | $0 | 93.56% |
| 2021 | Dwelling Fire & Allied Lines | 0.07% | $103,551 | $108,798 | $0 | $83,060 | $82,303 | $0 | 99.09% |
| 2021 | Commercial Fire & Allied Lines | 2.67% | $8,927,752 | $9,384,821 | $0 | $4,116,666 | $3,846,824 | $0 | 93.45% |
| 2021 | Total Homeowners | 0.09% | $2,218,827 | $2,404,173 | $0 | $673,430 | $755,902 | $0 | 112.25% |
| 2021 | Homeowners Multi-Peril | 0.09% | $2,218,827 | $2,404,173 | $0 | $673,430 | $755,902 | $0 | 112.25% |
| 2021 | Commercial Multi-Peril | 0.49% | $4,504,127 | $4,778,614 | $0 | $2,999,475 | $3,094,578 | $0 | 103.17% |
| 2021 | Inland Marine (Incl Auto Cargo) | 0.09% | $442,112 | $460,528 | $0 | $124,892 | $100,374 | $0 | 80.37% |
| 2021 | Earthquake | 0.58% | $762,174 | $861,849 | $0 | $0 | $34,104 | $0 | 0% |
| 2021 | Direct Workers Compensation | 0.04% | $358,430 | $319,563 | $0 | $98,094 | $-128,621 | $0 | -131.12% |
| 2021 | Other Liability - Bodily Injury & Property Damage | 0.37% | $2,975,777 | $3,164,137 | $0 | $2,318,636 | $1,908,394 | $0 | 82.31% |
| 2021 | Products Liability | 1.06% | $431,532 | $461,966 | $0 | $52,159 | $197,766 | $0 | 379.16% |
| 2021 | Total Private Passenger Automobile | 0.01% | $488,895 | $508,658 | $0 | $460,982 | $516,434 | $0 | 112.03% |
| 2021 | Private Passenger Auto Liability Bodily Injury | 0.01% | $118,955 | $123,979 | $0 | $262,650 | $274,345 | $0 | 104.45% |
| 2021 | Private Passenger Auto Liability Property Damage | 0.01% | $73,194 | $76,285 | $0 | $24,519 | $24,822 | $0 | 101.24% |
| 2021 | Private Passenger Auto Medical Payments | 0.01% | $9,123 | $9,507 | $0 | $5,493 | $5,709 | $0 | 103.93% |
| 2021 | Private Passenger Uninsured Motorists | 0.01% | $13,490 | $14,058 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Private Passenger Underinsured Motorists | 0.03% | $21,254 | $22,151 | $0 | $14,921 | $20,844 | $0 | 139.7% |
| 2021 | Private Passenger Auto Comprehensive | 0.01% | $69,902 | $72,610 | $0 | $47,500 | $84,815 | $0 | 178.56% |
| 2021 | Private Passenger Auto Collision | 0.02% | $182,977 | $190,068 | $0 | $105,899 | $105,899 | $0 | 100% |
| 2021 | Total Commercial Automobile | 0.27% | $2,412,836 | $2,558,501 | $0 | $3,267,478 | $2,083,690 | $0 | 63.77% |
| 2021 | Commercial Auto Liability Bodily Injury | 0.33% | $1,515,281 | $1,593,662 | $0 | $2,766,512 | $2,507,068 | $0 | 90.62% |
| 2021 | Commercial Auto Medical Payments | 0.6% | $40,089 | $42,156 | $0 | $44,631 | $37,628 | $0 | 84.31% |
| 2021 | Commercial Auto Uninsured Motorists | 0.49% | $143,767 | $151,183 | $0 | $127,717 | $-768,870 | $0 | 0% |
| 2021 | Commercial Auto Comprehensive | 0.3% | $304,713 | $329,388 | $0 | $140,153 | $140,153 | $0 | 100% |
| 2021 | Commercial Auto Collision | 0.24% | $408,986 | $442,112 | $0 | $188,465 | $167,711 | $0 | 88.99% |
| 2021 | Fidelity | 0.15% | $37,862 | $40,988 | $0 | $0 | $-6,017 | $0 | 0% |
| 2021 | Burglary & Theft | 0.07% | $4,789 | $4,632 | $0 | $0 | $1,210 | $0 | 0% |
| 2021 | Boiler & Machinery | 0.41% | $153,296 | $160,632 | $0 | $13,315 | $11,434 | $0 | 85.87% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Private Passenger Auto | 0% | 0 | 0 |
| 2025 | Homeowners | 0.03% | 2 | 302 |
| 2024 | Private Passenger Auto | 0.01% | 0 | 0 |
| 2024 | Homeowners | 0.05% | 2 | 302 |
| 2023 | Private Passenger Auto | 0.01% | 0 | 0 |
| 2023 | Homeowners | 0.07% | 2 | 240 |
| 2022 | Private Passenger Auto | 0.01% | 0 | 0 |
| 2022 | Homeowners | 0.08% | 1 | 126 |
| 2021 | Private Passenger Auto | 0.01% | 0 | 0 |
| 2021 | Homeowners | 0.1% | 1 | 109 |
Company Changes
This company does not have any company changes.
Financial Exams
This company does not have any financial exams.