B
GEICO General Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (3.8) with operating losses during 2023. Average return on equity over the last five years has been poor at -0.1%. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Other Rating Factors: Superior liquidity (9.3) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.3). Stability strengths include good operational trends and excellent risk diversification.
Stability Factors: G - Fast asset or premium growth.
Principal Lines of Business: Personal/comm auto (99.9%), other (0.1%)
Licensed in: All states
Principal Investments: Investment grade bonds (95.4%), other (4.6%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Berkshire Hathaway Inc
Investment Rating
--
Company Address
5260 Western Avenue
Chevy Chase, MD 20815
Phone Number
(301) 986-3880
NAIC Number
35882
Website
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Largest Affiliates
A
Omaha, NE - P&C
A
Chevy Chase, MD - P&C
A
Omaha, NE - P&C
B
Stamford, CT - P&C