Condensed Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Revenues
Gross premiums written	$ 99,123	$ 84,924
Ceded premiums written	(4,481)	(3,904)
Net premiums written	94,642	81,020
Net premiums earned	79,709	69,790
Net investment income	6,670	6,914
Net realized gains on investments	24	1,791
Fee and other income	109	159
Total revenues	86,512	78,654
Expenses
Loss and loss adjustment expenses incurred	56,001	51,843
Underwriting and certain other operating costs	7,068	4,287
Commissions	6,164	5,295
Salaries and benefits	5,645	5,133
Interest expense		279
Policyholder dividends	554	384
Total expenses	75,432	67,221
Income before income taxes	11,080	11,433
Income tax expense	2,229	1,872
Net income	8,851	9,561
Net income available to common shareholders	$ 8,836	$ 9,556
Earnings per share
Basic	$ 0.48	$ 0.53
Diluted	$ 0.47	$ 0.52
Shares used in computing earnings per share
Basic	18,281,353	18,140,749
Diluted	18,689,842	18,535,979
Cash dividends declared per common share	$ 0.08