Star Casualty Insurance
Star Casualty is a car insurer in Coral Gables. The Estrella family owns it. It sells private auto through independent agents. It was licensed here in 1988.
You can find it on our list of Florida auto insurance companies. Its Florida company code is 01904 and its NAIC number is 32387.
Taking new policiesChecked Oct 19 Auto
Is Star Casualty leaving Florida? No. It sells car insurance through Florida agents from its Coral Gables office. It has been licensed here since 1988. As of Oct 19, 2026. Source: starcasualty.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
Not available
No count on file
Latest rate change
Not available
No rate change on file
Financial strength
Not rated
No rating from AM Best, Demotech or KBRA
Complaints
1 complaint in 2025 (NAIC, nationwide)
NAIC, 2025, nationwide, private passenger auto
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
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What's changed recently
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Owners put in more capital after state exam
Florida's exam found 2021 loss reserves short by about $5.4 million. The owners added $757,000 on November 30, 2022, and the company reported $8.6 million in surplus at the end of 2022.
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Iowa limits new sales as Florida keeps watch on its capital
Star Casualty's surplus fell. An Iowa order said Florida then put it under closer watch. Iowa barred new policies there until it said yes. A Florida consent order set a $4.6 million capital minimum.
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Star Casualty Insurance Company was formed in Florida on August 20, 1987. It began business on July 25, 1988. It sold private passenger auto from Miami.
Rate history
No rate filings tracked yet.
38 years in Florida
In Florida since 1988. Has paid claims through 22 hurricanes.
Compare Star Casualty side by side
| Star Casualty | State Farm | USAA | |
|---|---|---|---|
| New policies | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 | Taking some new policies Checked Oct 19, 2026 |
| Florida policies | Not available | 654,641 Florida OIR, Jul 31, 2026 | 338,547 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | Not available |
| Complaint index | 1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, private passenger auto | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.83 NAIC, 2025, nationwide, private passenger auto. 1.00 is average. |
| Financial rating | Not rated AM Best, Demotech and KBRA | A- (Excellent) AM Best | A++ (Superior) AM Best |
| In Florida since | 1988 | 1934 | 1958 |
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- Allstate Taking some new policies
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- Kin Taking new policies
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- AAA (Auto Club) Taking new policies
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Questions people ask about Star Casualty
Who owns Star Casualty?Four members of the Estrella family own Star Casualty.
Each has a 25% share. That is from the Florida OIR exam as of December 31, 2020. Jose E. Estrella is the CEO. Related firms include the Estrella Insurance agency, a managing agency and a claims adjusting company.
Source: Florida OIR examination report as of 12/31/2020, read October 10, 2026
Is Star Casualty admitted in Florida?Yes.
Star Casualty Insurance Company is a Florida company. It was formed in Miami in 1987. It has been in business since July 1988. Florida OIR licenses it for private passenger auto. As its home state regulator, OIR also examines its finances.
Source: Florida OIR examination reports as of 12/31/2015 and 12/31/2020, read October 10, 2026
Is Star Casualty a good company?Here is the public record.
Demotech lists Star Casualty as not rated. Florida's last exam, as of 2020, found loss reserves short by about $6.5 million. The owners added $757,000 in November 2022, and the company reported $8.6 million in surplus at the end of 2022, above Florida's minimum.
Source: Florida OIR examination report as of 12/31/2020; Demotech company page; both read October 10, 2026
Is Star Casualty the same as Estrella Insurance?They are related but not the same.
Star Casualty is the insurance company. It issues policies and pays claims. Estrella Insurance is a related agency that sells policies. The Florida OIR exam says both are tied to the Estrella family.
Source: Florida OIR examination report as of 12/31/2020, read October 10, 2026
What is the Star Casualty claims phone number?Call 877-782-7210, also written 877-STAR-210, or report a claim with the online form on starcasualty.com.
The same toll free number takes general questions.
Source: Star Casualty claims and contact pages, read Oct 10, 2026
Star Casualty reviews and complaints: what the public data shows
Star Casualty rating
- Complaints
- 1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, private passenger auto. As of Oct 16, 2026.
- Years in Florida
- Since 1988 (38 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.