Star Casualty Insurance Company

What Star Casualty Insurance Company does

Star Casualty Insurance Company, Inc. is a Florida-domiciled specialty insurance carrier that writes automobile insurance coverage (Liability, Collision, Comprehensive, Personal Injury Protection, Medical Payments, Uninsured Motorist) and umbrella coverage for individual consumers and families. Founded in 1988 and headquartered in Coral Gables, Florida, the company has operated continuously for over 36 years and is privately held with no identified parent company, institutional investor, or public listing.

The company's product and distribution model centers on an exclusive independent insurance agent channel across six states — Florida, Georgia, Arkansas, Tennessee, Nebraska, and Kentucky — supplemented by direct digital touchpoints including iOS and Android mobile apps, the StarTrac telematics app that captures GPS-based driving behavior data (acceleration, braking, speed, journey times, phone usage) to compute a driving score, and a web-based policyholder portal for bill payment, ID card retrieval, policy document access, and paperless enrollment. Claims are handled in-house through dedicated BI, PD, and PIP units, and the company offers 24/7 emergency roadside assistance and a bilingual (English/Spanish) agency support team.

Revenue is generated through recurring auto insurance premiums paid by policyholders on a monthly billing cadence; the company does not publicly disclose financial figures. Pricing is structured through discount programs (advance quote, safe driver, paid-in-full, paperless billing) rather than disclosed base rates, and underwriting authority is operated under multi-state Department of Insurance licensure (Arizona and Florida named in source material). There is no disclosed headcount trend or recent M&A, funding, or geographic expansion event beyond the established six-state footprint.

Name

Star Casualty Insurance Company

Legal name

Star Casualty Insurance Company, Inc.

Website

https://starcasualty.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

Star Casualty Insurance Company is a privately held Florida-based auto and umbrella insurer that writes coverage exclusively through independent insurance agents across six US states, serving individual policyholders and families since 1988 with in-house claims handling and bilingual agency support.

Ownership category

akta.pro rank

Product category

Personal Auto Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Auto insurance coverage
• Umbrella insurance policies
• Independent agent distribution
• Policyholder self-service
• Claims handling services

Headquarters

HQ city

Coral Gables

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Auto Insurance Premiums: Star Casualty generates revenue through automobile insurance policy premiums paid by policyholders. The company offers various coverage types including Liability, Collision, Comprehensive, Personal Injury Protection, Medical Payments, and Uninsured Motorist coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels1 record

Core offering

Star Casualty Insurance Company writes and underwrites personal automobile insurance policies and umbrella coverage for individuals and families. The company distributes policies exclusively through a network of independent insurance agent partners across six U.S. states (Florida, Georgia, Arkansas, Tennessee, Nebraska, and Kentucky), supported by a bilingual agency support team and in-house claims handling. Policyholder service is delivered through mobile applications, an online policyholder portal, online claims reporting, and 24/7 emergency roadside assistance.

Product overview

Star Casualty Insurance Company is an automobile insurance provider that operates through a multi-channel service model consisting of mobile applications (Android/iOS), a web-based policyholder portal, online claims reporting, and a network of independent insurance agents. The company offers the StarTrac mobile app for driving behavior tracking, the Policyholder Portal for online policy management including bill payment and document access, and sells automobile insurance policies in Florida, Georgia, Arkansas, Tennessee, Nebraska, and Kentucky. The mobile apps provide policyholders with on-the-go access to insurance services, while the StarTrac app specifically collects driving data to calculate a driving score for promotional purposes.

Differentiator

Problem solved

Functional benefit

Brands

• StarTrac: Mobile application for policyholders to manage policies, access documents, make payments, and track driving behavior for insurance purposes

Products and services

• Automobile Insurance Policies Personal automobile insurance protection for individuals and families, sold exclusively through a network of independent insurance agent partners in six states. Coverage types include Liability, Collision, Comprehensive, Personal Injury Protection, Medical Payments, and Uninsured Motorist coverage.
• Umbrella Insurance Coverage Umbrella liability coverage written by Star Casualty Insurance Company for individuals and families, complementing its personal automobile insurance product line.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Infinity Insurance: Non-standard and standard personal auto insurer focused on drivers who don't fit preferred carriers. Highly comparable to Star Casualty's individual/family auto focus in Florida and the Southeast through independent agents.
• Dairyland Insurance: Specialty personal auto writer serving non-standard and motorcycle riders, distributed through independent agents. Comparable product mix (standard + non-standard auto) and similar regional, agent-distributed go-to-market.
• Direct Auto Insurance: Non-standard personal auto carrier with strong Southeast U.S. footprint. Comparable in customer segment (individual/family), state concentration, and reliance on agent/retail store distribution.
• AssuranceAmerica: Non-standard auto insurer selling through independent agents across the Southeast and Midwest. Closely comparable in geography, distribution model, and product specialization.
• GAINSCO Auto Insurance: Specialty auto insurer (Misfits-focused) writing through a captive and independent agent force. Similar product narrowness and agent-distributed, regional operating model.
• Elephant Insurance: Personal auto insurer with a strong agent-channel presence in the Southeast. Comparable customer base, multi-state Southeast footprint, and discount-led competitive positioning.
• Permanent General Assurance Corporation: Non-standard auto writer distributed through independent agents in southern and midwestern states. Highly comparable in product line, geographic profile, and agent-channel GTM.
• Bristol West Insurance Group: Personal auto carrier serving non-standard drivers via independent agents across many U.S. states. Comparable in product mix and exclusive independent-agent distribution model.

Broad incumbents

• Progressive: Largest U.S. personal auto insurer with a usage-based pricing product (Snapshot). Overlaps in personal auto coverage and discount-led positioning; defines the competitive ceiling and the telematics benchmark StarTrac would need to match.
• GEICO: Direct-to-consumer personal auto giant with a telematics product (DriveEasy). Comparable in core auto coverage and competitive overlap, especially as a benchmark for pricing efficiency and digital distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/starcasualty

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Star Casualty Insurance Company