STATE AUTOMOBILE MUTUAL INSURANCE COMPANY

Company Details

License Status:
Active
NAIC Number:
25135
Phone Number:
6144645000
Company Address:

175 Berkeley Street
Boston, MA 02116

Description:
Property and Casualty
License Number:
B422559
Date Admitted:

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 55.2%
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% $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%
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 $5,434,025 189.72%
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%
2023 Private Passenger Underinsured Motorists 0.37% $423,906 $511,758 $343,542 $32,859 6.42%
2023 Private Passenger Auto Comprehensive 0.1% $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 $6,060,799 106.43%
2023 Commercial Auto Medical Payments 3.74% $281,409 $252,226 $147,488 $268,454 106.43%
2023 Commercial Auto Uninsured Motorists 2.06% $859,356 $770,223 $450,392 $819,788 106.44%
2023 Commercial Auto Comprehensive 1.49% $1,783,704 $1,601,945 $1,138,433 $1,154,924 72.1%
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 67.2%
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 0.9% $24,447,268 $23,759,605 $13,970,457 $15,087,136 63.5%
2022 Homeowners Multi-Peril 0.94% $24,447,268 $23,759,605 $13,970,457 $15,087,136 63.5%
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%
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 $5,827,820 160.68%
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 $1,224 107.56%
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 8.9%
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 0.9% $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% $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 0.1% $39,058 $38,985 $0 $-5,660 -14.52%
2021 Total Private Passenger Automobile 0.3% $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% $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% $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% $241 $161 $0 $-106 -65.84%
2021 Surety 0% $0 $0 $0 $-296 0%
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%

Complaint Index

Link to Consumer Complaint Index Page
Year Line Market Share Number of Complaints Complaint Index
2025 Private Passenger Auto 0.07% 0 0
2025 Homeowners 0.58% 22 152
2024 Homeowners 0.82% 17 154
2024 Private Passenger Auto 0.16% 2 72
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

This company does not have any company changes.

Market Regulation Actions

This company does not have any market regulation actions.

Financial Exams

This company does not have any financial exams.