Company Details
Company Name:
STATE AUTOMOBILE MUTUAL INSURANCE COMPANYLicense Status:
ActiveNAIC Number:
25135Company Address:
175 Berkeley Street Boston, MA 02116
Phone Number:
6144645000Mailing Address:
175 Berkeley Street Boston, MA 02116
Description:
Property and Casualty (Ch 379, RSMo)License Number:
B422559Date Admitted:
1939-08-23Market 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 | 0.2% | $35,686,514 | $42,538,613 | $0 | $34,741,748 | $2,255,713 | $0 | 6.49% |
| 2025 | Total Fire & Allied Lines | 0.79% | $5,323,641 | $6,592,532 | $0 | $7,713,179 | $2,833,610 | $0 | 36.74% |
| 2025 | Dwelling Fire & Allied Lines | 0.75% | $2,502,767 | $2,853,295 | $0 | $888,004 | $528,741 | $0 | 59.54% |
| 2025 | Commercial Fire & Allied Lines | 0.87% | $2,820,874 | $3,739,237 | $0 | $6,825,175 | $2,304,869 | $0 | 33.77% |
| 2025 | Farmowners Multi-Peril | 4.38% | $13,093,862 | $11,786,669 | $0 | $6,597,204 | $-9,004,163 | $0 | -136.48% |
| 2025 | Total Homeowners | -0.01% | $-285,834 | $3,629,274 | $0 | $7,480,682 | $-4,289,428 | $0 | -57.34% |
| 2025 | Homeowners Multi-Peril | -0.01% | $-285,834 | $3,629,274 | $0 | $7,480,682 | $-4,289,428 | $0 | -57.34% |
| 2025 | Commercial Multi-Peril | 0.69% | $8,588,719 | $9,131,107 | $0 | $6,255,274 | $4,529,160 | $0 | 72.41% |
| 2025 | Travel Coverage | 0.05% | $82,365 | $149,275 | $0 | $18,375 | $24,875 | $0 | 135.37% |
| 2025 | Earthquake | 0.16% | $235,139 | $342,501 | $0 | $0 | $0 | $0 | 0% |
| 2025 | Direct Workers Compensation | 0.01% | $95,496 | $116,407 | $0 | $56,944 | $57,738 | $0 | 101.39% |
| 2025 | Other Liability - Bodily Injury & Property Damage | 0.17% | $1,815,336 | $2,031,634 | $0 | $558,378 | $4,210,757 | $0 | 0% |
| 2025 | Other Liability - Warranty | 0.09% | $26,441 | $32,163 | $0 | $0 | $57,179 | $0 | 0% |
| 2025 | Products Liability | 0.07% | $37,713 | $37,819 | $0 | $0 | $19,636 | $0 | 0% |
| 2025 | Total Private Passenger Auto | 0% | $-110,511 | $706,956 | $0 | $1,805,479 | $-1,900,796 | $0 | -105.28% |
| 2025 | Private Passenger Auto Liability - Bodily Injury | 0% | $-62,494 | $386,765 | $0 | $1,620,134 | $-2,007,620 | $0 | -123.92% |
| 2025 | Private Passenger Auto Liability - Property Damage | 0% | $-48,017 | $320,191 | $0 | $185,345 | $106,824 | $0 | 57.64% |
| 2025 | Total Commercial Auto | 0.79% | $6,696,867 | $7,880,202 | $0 | $4,186,918 | $5,442,233 | $0 | 129.98% |
| 2025 | Commercial Auto Liability - Bodily Injury | 0% | $495 | $461 | $0 | $0 | $393 | $0 | 0% |
| 2025 | Commercial Auto Liability - Property Damage | 3.7% | $6,696,372 | $7,879,741 | $0 | $4,186,918 | $5,441,840 | $0 | 129.97% |
| 2025 | Fidelity | 0.01% | $1,420 | $2,142 | $0 | $0 | $106 | $0 | 0% |
| 2025 | Burglary & Theft | 0.09% | $12,235 | $14,223 | $0 | $0 | $907 | $0 | 0% |
| 2025 | Boiler & Machinery | 0.14% | $73,625 | $85,709 | $0 | $69,315 | $273,899 | $0 | 395.15% |
| 2024 | Total Property & Casualty | 0.33% | $56,948,380 | $70,571,726 | $0 | $60,796,152 | $76,703,043 | $0 | 126.16% |
| 2024 | Total Fire & Allied Lines | 1.44% | $9,117,427 | $11,240,814 | $0 | $13,310,486 | $20,152,014 | $0 | 151.4% |
| 2024 | Dwelling Fire & Allied Lines | 1.67% | $3,684,888 | $4,342,389 | $0 | $1,237,528 | $1,486,986 | $0 | 120.16% |
| 2024 | Commercial Fire & Allied Lines | 1.37% | $5,432,539 | $6,898,425 | $0 | $12,072,958 | $18,665,028 | $0 | 154.6% |
| 2024 | Farmowners Multi-Peril | 3.8% | $10,350,610 | $9,453,826 | $0 | $5,441,127 | $5,692,416 | $0 | 104.62% |
| 2024 | Total Homeowners | 0.32% | $10,916,027 | $18,630,038 | $0 | $20,962,497 | $23,276,792 | $0 | 111.04% |
| 2024 | Homeowners Multi-Peril | 0.34% | $10,916,027 | $18,630,038 | $0 | $20,962,497 | $23,276,792 | $0 | 111.04% |
| 2024 | Commercial Multi-Peril | 0.81% | $9,627,084 | $9,613,566 | $0 | $5,281,256 | $6,597,437 | $0 | 124.92% |
| 2024 | Ocean Marine | 0% | $-8 | $842 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Travel Coverage | 0.19% | $313,977 | $372,241 | $0 | $168,556 | $181,236 | $0 | 107.52% |
| 2024 | Earthquake | 0.36% | $519,442 | $769,504 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Direct Workers Compensation | 0.01% | $81,717 | $113,275 | $0 | $21,482 | $68,705 | $0 | 319.83% |
| 2024 | Other Liability - Bodily Injury & Property Damage | 0.26% | $2,479,585 | $2,856,735 | $0 | $1,280,150 | $3,655,309 | $0 | 285.54% |
| 2024 | Liquor Liability | 3.31% | $142,634 | $123,509 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Products Liability | 0.09% | $50,522 | $52,911 | $0 | $0 | $34,530 | $0 | 0% |
| 2024 | Total Private Passenger Auto | 0.06% | $1,786,295 | $3,439,773 | $0 | $5,205,156 | $2,612,004 | $0 | 50.18% |
| 2024 | Private Passenger Auto Liability - Property Damage | 0.16% | $1,786,295 | $3,439,773 | $0 | $5,205,156 | $2,612,004 | $0 | 50.18% |
| 2024 | Total Commercial Auto | 0.85% | $6,643,164 | $7,248,426 | $0 | $4,835,426 | $9,702,944 | $0 | 200.66% |
| 2024 | Commercial Auto Liability - Bodily Injury | 0% | $447 | $594 | $0 | $0 | $598 | $0 | 0% |
| 2024 | Commercial Auto Liability - Property Damage | 4.02% | $6,642,717 | $7,247,832 | $0 | $4,835,426 | $9,702,346 | $0 | 200.65% |
| 2024 | Private Passenger Auto - Comprehensive | 0.11% | $1,521,807 | $2,989,798 | $0 | $1,792,769 | $1,958,013 | $0 | 109.22% |
| 2024 | Commercial Auto - Comprehensive | 2.02% | $3,273,275 | $3,536,212 | $0 | $2,493,956 | $2,763,441 | $0 | 110.81% |
| 2024 | Fidelity | 0.01% | $2,995 | $2,585 | $0 | $0 | $111 | $0 | 0% |
| 2024 | Burglary & Theft | 0.15% | $16,872 | $17,685 | $0 | $0 | $660 | $0 | 0% |
| 2024 | Boiler & Machinery | 0.21% | $104,955 | $109,986 | $0 | $3,291 | $7,431 | $0 | 225.8% |
| 2023 | Total Property & Casualty | 0.47% | $74,742,031 | $74,498,043 | $0 | $53,219,429 | $57,238,274 | $0 | 107.55% |
| 2023 | Total Fire & Allied Lines | 1.46% | $11,326,733 | $10,910,157 | $0 | $6,203,891 | $5,995,897 | $0 | 96.65% |
| 2023 | Commercial Fire & Allied Lines | 3.52% | $11,326,733 | $10,910,157 | $0 | $6,203,891 | $5,995,897 | $0 | 96.65% |
| 2023 | Farmowners Multi-Peril | 3.47% | $8,374,729 | $7,436,935 | $0 | $3,741,211 | $4,104,984 | $0 | 109.72% |
| 2023 | Total Homeowners | 0.71% | $21,179,071 | $22,539,143 | $0 | $18,892,375 | $19,943,409 | $0 | 105.56% |
| 2023 | Homeowners Multi-Peril | 0.73% | $21,179,071 | $22,539,143 | $0 | $18,892,375 | $19,943,409 | $0 | 105.56% |
| 2023 | Commercial Multi-Peril | 0.87% | $9,615,937 | $8,743,201 | $0 | $6,869,455 | $6,296,013 | $0 | 91.65% |
| 2023 | Ocean Marine | 0% | $2,005 | $2,062 | $0 | $0 | $25 | $0 | 0% |
| 2023 | Inland Marine (Incl Auto Cargo) | 0.06% | $345,995 | $349,680 | $0 | $147,544 | $83,992 | $0 | 56.93% |
| 2023 | Earthquake | 0.61% | $874,216 | $941,606 | $0 | $0 | $0 | $0 | 0% |
| 2023 | Direct Workers Compensation | 0.02% | $190,726 | $235,558 | $0 | $31,282 | $111,300 | $0 | 355.8% |
| 2023 | Other Liability - Bodily Injury & Property Damage | 0.29% | $2,792,625 | $2,551,732 | $0 | $831,668 | $2,017,712 | $0 | 242.61% |
| 2023 | Products Liability | 0.09% | $43,085 | $44,327 | $0 | $0 | $11,228 | $0 | 0% |
| 2023 | Total Private Passenger Automobile | 0.16% | $8,754,696 | $10,648,821 | $0 | $10,262,962 | $9,174,163 | $0 | 89.39% |
| 2023 | Private Passenger Auto Liability Bodily Injury | 0.18% | $2,372,499 | $2,864,308 | $0 | $6,047,436 | $5,434,025 | $0 | 89.86% |
| 2023 | Private Passenger Auto Liability Property Damage | 0.15% | $1,459,814 | $1,762,424 | $0 | $564,537 | $548,646 | $0 | 97.19% |
| 2023 | Private Passenger Auto Medical Payments | 0.21% | $181,958 | $219,649 | $0 | $126,478 | $115,162 | $0 | 91.05% |
| 2023 | Private Passenger Uninsured Motorists | 0.09% | $269,057 | $324,785 | $0 | $0 | $0 | $0 | 0% |
| 2023 | Private Passenger Underinsured Motorists | 0.37% | $423,906 | $511,758 | $0 | $343,542 | $32,859 | $0 | 9.56% |
| 2023 | Private Passenger Auto Comprehensive | 0.1% | $1,118,813 | $1,372,687 | $0 | $984,991 | $847,493 | $0 | 86.04% |
| 2023 | Private Passenger Auto Collision | 0.19% | $2,928,649 | $3,593,210 | $0 | $2,195,978 | $2,195,978 | $0 | 100% |
| 2023 | Total Commercial Automobile | 1.08% | $11,115,452 | $9,970,093 | $0 | $6,239,041 | $9,494,113 | $0 | 152.17% |
| 2023 | Commercial Auto Liability Bodily Injury | 1.23% | $6,352,878 | $5,694,858 | $0 | $3,329,574 | $6,060,799 | $0 | 182.03% |
| 2023 | Commercial Auto Medical Payments | 3.74% | $281,409 | $252,226 | $0 | $147,488 | $268,454 | $0 | 182.02% |
| 2023 | Commercial Auto Uninsured Motorists | 2.06% | $859,356 | $770,223 | $0 | $450,392 | $819,788 | $0 | 182.02% |
| 2023 | Commercial Auto Comprehensive | 1.49% | $1,783,704 | $1,601,945 | $0 | $1,138,433 | $1,154,924 | $0 | 101.45% |
| 2023 | Commercial Auto Collision | 0.91% | $1,838,105 | $1,650,841 | $0 | $1,173,154 | $1,190,148 | $0 | 101.45% |
| 2023 | Fidelity | 0.01% | $2,076 | $2,085 | $0 | $0 | $97 | $0 | 0% |
| 2023 | Burglary & Theft | 0.22% | $17,032 | $16,222 | $0 | $0 | $726 | $0 | 0% |
| 2023 | Boiler & Machinery | 0.24% | $107,653 | $106,421 | $0 | $0 | $4,615 | $0 | 0% |
| 2022 | Total Property & Casualty | 0.53% | $76,430,997 | $71,465,369 | $0 | $40,344,505 | $48,025,133 | $0 | 119.04% |
| 2022 | Total Fire & Allied Lines | 2.26% | $10,878,741 | $8,966,661 | $0 | $5,569,049 | $5,643,046 | $0 | 101.33% |
| 2022 | Commercial Fire & Allied Lines | 3.44% | $10,878,741 | $8,966,661 | $0 | $5,569,049 | $5,643,046 | $0 | 101.33% |
| 2022 | Farmowners Multi-Peril | 2.83% | $6,443,766 | $5,794,899 | $0 | $3,043,874 | $2,560,444 | $0 | 84.12% |
| 2022 | Total Homeowners | 0.9% | $24,447,268 | $23,759,605 | $0 | $13,970,457 | $15,087,136 | $0 | 107.99% |
| 2022 | Homeowners Multi-Peril | 0.94% | $24,447,268 | $23,759,605 | $0 | $13,970,457 | $15,087,136 | $0 | 107.99% |
| 2022 | Commercial Multi-Peril | 0.77% | $7,710,316 | $6,862,931 | $0 | $2,418,019 | $5,013,576 | $0 | 207.34% |
| 2022 | Ocean Marine | 0.01% | $2,529 | $2,470 | $0 | $0 | $26 | $0 | 0% |
| 2022 | Inland Marine (Incl Auto Cargo) | 0.07% | $357,627 | $326,754 | $0 | $156,203 | $228,005 | $0 | 145.97% |
| 2022 | Earthquake | 0.73% | $1,002,970 | $935,120 | $0 | $0 | $0 | $0 | 0% |
| 2022 | Direct Workers Compensation | 0.02% | $198,370 | $243,010 | $0 | $2,584 | $50,133 | $0 | 0% |
| 2022 | Other Liability - Bodily Injury & Property Damage | 0.28% | $2,365,495 | $1,946,751 | $0 | $387,889 | $1,188,110 | $0 | 306.3% |
| 2022 | Products Liability | 0.09% | $39,518 | $40,166 | $0 | $0 | $15,856 | $0 | 0% |
| 2022 | Total Private Passenger Automobile | 0.28% | $13,461,375 | $13,763,948 | $0 | $10,587,603 | $10,757,135 | $0 | 101.6% |
| 2022 | Private Passenger Auto Liability Bodily Injury | 0.29% | $3,552,188 | $3,626,958 | $0 | $5,135,608 | $5,827,820 | $0 | 113.48% |
| 2022 | Private Passenger Auto Liability Property Damage | 0.26% | $2,185,684 | $2,231,686 | $0 | $479,416 | $223,336 | $0 | 46.59% |
| 2022 | Private Passenger Auto Medical Payments | 0.31% | $272,434 | $278,133 | $0 | $107,408 | $47,066 | $0 | 43.82% |
| 2022 | Private Passenger Uninsured Motorists | 0.16% | $402,842 | $411,263 | $0 | $0 | $-238,408 | $0 | 0% |
| 2022 | Private Passenger Underinsured Motorists | 0.73% | $634,687 | $648,018 | $0 | $291,743 | $478,450 | $0 | 164% |
| 2022 | Private Passenger Accidential Death & Disab/Dism | 0.09% | $1,416 | $1,138 | $0 | $0 | $1,224 | $0 | 0% |
| 2022 | Private Passenger Auto Comprehensive | 0.19% | $1,772,461 | $1,815,200 | $0 | $1,416,168 | $1,260,387 | $0 | 89% |
| 2022 | Private Passenger Auto Collision | 0.36% | $4,639,663 | $4,751,552 | $0 | $3,157,260 | $3,157,260 | $0 | 100% |
| 2022 | Total Commercial Automobile | 0.96% | $9,395,477 | $8,715,848 | $0 | $4,205,934 | $7,472,383 | $0 | 177.66% |
| 2022 | Commercial Auto Liability Bodily Injury | 1.13% | $5,390,291 | $4,985,506 | $0 | $1,651,231 | $4,358,457 | $0 | 263.95% |
| 2022 | Commercial Auto Medical Payments | 3.34% | $238,770 | $220,809 | $0 | $73,143 | $193,047 | $0 | 263.93% |
| 2022 | Commercial Auto Uninsured Motorists | 1.94% | $729,146 | $674,284 | $0 | $223,363 | $589,512 | $0 | 263.93% |
| 2022 | Commercial Auto Comprehensive | 1.21% | $1,495,825 | $1,396,314 | $0 | $1,112,139 | $1,148,175 | $0 | 103.24% |
| 2022 | Commercial Auto Collision | 0.84% | $1,541,445 | $1,438,935 | $0 | $1,146,058 | $1,183,192 | $0 | 103.24% |
| 2022 | Fidelity | 0.01% | $2,096 | $1,128 | $0 | $0 | $92 | $0 | 0% |
| 2022 | Burglary & Theft | 0.22% | $16,205 | $11,979 | $0 | $0 | $818 | $0 | 0% |
| 2022 | Boiler & Machinery | 0.28% | $109,244 | $94,099 | $0 | $2,893 | $8,373 | $0 | 289.42% |
| 2021 | Total Property & Casualty | 0.48% | $64,115,804 | $55,586,335 | $0 | $30,546,412 | $39,049,073 | $0 | 127.84% |
| 2021 | Total Fire & Allied Lines | 1.05% | $6,916,619 | $5,337,106 | $0 | $4,046,584 | $4,250,417 | $0 | 105.04% |
| 2021 | Commercial Fire & Allied Lines | 2.07% | $6,916,619 | $5,337,106 | $0 | $4,046,584 | $4,250,417 | $0 | 105.04% |
| 2021 | Farmowners Multi-Peril | 2.52% | $5,351,399 | $4,911,335 | $0 | $1,710,620 | $3,116,061 | $0 | 182.16% |
| 2021 | Total Homeowners | 0.9% | $22,248,969 | $19,932,614 | $0 | $13,096,749 | $15,302,967 | $0 | 116.85% |
| 2021 | Homeowners Multi-Peril | 0.94% | $22,248,969 | $19,932,614 | $0 | $13,096,749 | $15,302,967 | $0 | 116.85% |
| 2021 | Commercial Multi-Peril | 0.65% | $5,939,841 | $4,730,107 | $0 | $1,180,422 | $2,077,998 | $0 | 176.04% |
| 2021 | Ocean Marine | 0% | $1,917 | $1,361 | $0 | $0 | $4 | $0 | 0% |
| 2021 | Inland Marine (Incl Auto Cargo) | 0.05% | $252,973 | $199,587 | $0 | $18,754 | $16,725 | $0 | 89.18% |
| 2021 | Earthquake | 0.64% | $836,131 | $730,467 | $0 | $0 | $16,902 | $0 | 0% |
| 2021 | Direct Workers Compensation | 0.03% | $273,344 | $190,957 | $0 | $28,144 | $-10,531 | $0 | -37.42% |
| 2021 | Other Liability - Bodily Injury & Property Damage | 0.17% | $1,361,705 | $977,058 | $0 | $89,973 | $69,050 | $0 | 76.75% |
| 2021 | Products Liability | 0.1% | $39,058 | $38,985 | $0 | $0 | $-5,660 | $0 | 0% |
| 2021 | Total Private Passenger Automobile | 0.3% | $13,129,447 | $12,336,804 | $0 | $7,624,638 | $9,492,697 | $0 | 124.5% |
| 2021 | Private Passenger Auto Liability Bodily Injury | 0.59% | $6,884,779 | $6,519,066 | $0 | $4,026,028 | $5,732,795 | $0 | 142.39% |
| 2021 | Private Passenger Auto Comprehensive | 0.72% | $6,244,668 | $5,817,738 | $0 | $3,598,610 | $3,759,902 | $0 | 104.48% |
| 2021 | Total Commercial Automobile | 0.85% | $7,684,598 | $6,136,991 | $0 | $2,750,528 | $4,723,355 | $0 | 171.73% |
| 2021 | Commercial Auto Liability Bodily Injury | 0.96% | $4,387,315 | $3,488,220 | $0 | $1,186,243 | $2,799,126 | $0 | 235.97% |
| 2021 | Commercial Auto Liability Property Damage | 0% | $564 | $1,885 | $0 | $499 | $698 | $0 | 139.88% |
| 2021 | Commercial Auto Medical Payments | 2.92% | $194,342 | $154,494 | $0 | $52,546 | $123,973 | $0 | 235.93% |
| 2021 | Commercial Auto Uninsured Motorists | 2% | $593,473 | $471,778 | $0 | $160,463 | $378,578 | $0 | 235.93% |
| 2021 | Commercial Auto Comprehensive | 1.21% | $1,235,610 | $995,120 | $0 | $665,244 | $699,818 | $0 | 105.2% |
| 2021 | Commercial Auto Collision | 0.74% | $1,273,294 | $1,025,494 | $0 | $685,533 | $721,162 | $0 | 105.2% |
| 2021 | Fidelity | 0% | $241 | $161 | $0 | $0 | $-106 | $0 | 0% |
| 2021 | Surety | 0% | $0 | $0 | $0 | $0 | $-296 | $0 | 0% |
| 2021 | Burglary & Theft | 0.09% | $6,419 | $2,305 | $0 | $0 | $-5 | $0 | 0% |
| 2021 | Boiler & Machinery | 0.19% | $73,143 | $60,497 | $0 | $0 | $-505 | $0 | 0% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Private Passenger Auto | 0.07% | 0 | 0 |
| 2025 | Homeowners | 0.58% | 22 | 152 |
| 2024 | Private Passenger Auto | 0.16% | 2 | 72 |
| 2024 | Homeowners | 0.82% | 17 | 154 |
| 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
Date:
2001-08-01Comments:
Meridian Mutual Insurance Co. merged with and into State Automobile Mutual Insurance Co.Date:
2014-07-02Comments:
Effective 07/02/14 Meridian Mutual Insurance Company merged with and into State Automobile Mutual Insurance Company.Market Regulation Actions
Financial Exams
This company does not have any financial exams.