Income Taxes (Details 3) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Deferred tax assets:
Discounting of loss reserves	$ 7,057	$ 7,598
Discounting of unearned premium reserve	25,770	24,655
Bad debt allowance	384	673
Employee benefits	7,248	6,734
State loss carryforwards		20
Rent incentive	635	767
Other		27
Total deferred tax assets before valuation allowance	41,094	40,474
Valuation allowance for deferred tax assets	0	(20)
Total deferred tax assets, net of valuation allowance	41,094	40,454
Deferred tax liabilities:
Deferred acquisition costs	(22,186)	(21,233)
Investments	(1,881)	(596)
Net unrealized gains on investments	(9,261)	(23,345)
Depreciation	(295)	(247)
Software development costs	(2,505)	(2,372)
Premium acquisition expenses	(890)	(863)
Other	(92)
Total deferred tax liabilities	(37,110)	(48,656)
Net deferred tax liability	3,984	(8,202)
Unrecognized tax benefits	0	0	0
Unrecognized tax benefits if recognized would affect the effective tax rate	0	0	0
Unrecognized tax benefits interest and penalties accrued	$ 0	$ 0