Production (Stage)
A
State Farm Lloyds
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Strong long-term capitalization index (9.7 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital has steadily grown over the last five years. Excellent profitability index (8.9) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 10.7%. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Other Rating Factors: Excellent overall results on stability tests (8.1). Stability strengths include good operational trends and excellent risk diversification. History of adequate reserve strength (6.7) as reserves have been consistently at an acceptable level.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (91.6%), comm multi (7.0%), farmowners (1.3%)
Licensed in: TX
Principal Investments: Investment grade bonds (92.4%), other (7.6%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
--
Corporate Info
Group Affiliation
State Farm Mutual Automobile Ins Co
Investment Rating
--
Company Address
1251 State Street
Richardson, TX 75082
Phone Number
(972) 732-5000
NAIC Number
43419
Largest Affiliates
A
Bloomington, IL - P&C
A
Bloomington, IL - L&A
B
Bloomington, IL - P&C
B
Bloomington, IL - P&C
A
Bloomington, IL - P&C