State Auto Insurance Reviews 2022 

Is It The Right Choice? | ⭐⭐⭐

TLTR: This insurance review blog by Agency Height provides detailed information on State Auto Insurance. It elaborates on the coverages and products offered by the carrier while also including its reviews and ratings to help you make better insurance choices.  

How Good Is State Auto Insurance? 

State Auto is an insurance company that offers many unique add-on coverages at high rates and with mediocre service.   

If you live in an area where State Auto Insurance has coverage then the company is worth considering. The firm has a long history of offering consumers a range of insurance plans and has an outstanding rating with AM Best, hence assessing the company’s financial strength.  

If you prefer one-on-one interaction with an agent, State Auto can be a good choice for you. You can easily obtain rates, purchase insurance, and make changes to existing policies simply through a local agent. 

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About State Auto  

State Auto Insurance was established in 1921 and was known as the State Automobile Mutual Insurance Company at the time. Now, more than a century later, the regional carrier issues vehicle insurance premiums in 33 states, is worth more than $2 billion, and has total assets worth more than $4.6 billion. State Auto writes a wide range of insurance, from auto and homeowners to renters and farm goods. Liberty Mutual Insurance has acquired State Auto through a mutual transaction and merger. 

State Auto Insurance Reviews

State Auto Insurance Pros and Cons  

 

Pros 

Cons 

  • Signup discounts and other typical discounts are available. 
  • Several coverage and package choices are available. 
  • Above-average user satisfaction rating. 
  • Not available in all states.  
  • Affordability is rated poorly. 
  • State Auto has more auto insurance complaints than similar-sized firms. 

 
 

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Their Products

Despite its name, State Auto Insurance provides more than just automobile insurance. This long-standing insurance company offers a variety of basic personal insurance products as well as commercial insurance coverage for firms of all sizes. State Auto’s product line covers the majority of the essentials, as well as a few specialty sectors and multi-policy options. The range of products offered by State Auto Insurance is as follows:  

Individuals  Businesses  Farm and Ranch 
Auto Insurance  Property Insurance  Farm And Ranch Insurance 
Home Insurance  Liability Insurance  Farm Auto Insurance 
Condo Insurance  Business Auto Insurance  Farm Umbrella Insurance 
Renters Insurance  Business Onwers’ Policy Insurance  Ag Smart 360 
Umbrella Insurance  Commercial Umbrella Insurance   
State Auto Safety 360  Risk Engineering   
  Workers Compensation Insurance   
  Employment Practices Liability Insurance   
  Cyber Coverage Insurance   
  Data Breach Insurance   
  Fleet Safety 360   

State Auto Car Insurance: Coverages, Costs and Discounts

State Auto offers three types of auto insurance packages: Standard, Protection Plus, and AutoXtended Premier. Each package provides a different level of coverage and allows you to tailor your vehicle insurance policy to your specific needs.  

Types of Auto Insurance Coverages 

  • Liability 
  • Medical payments 
  • Personal injury protection 
  • Uninsured/underinsured motorist 
  • Collision and comprehensive 
  • Full safety glass coverage 
  • Accident forgiveness 
  • Roadside assistance 
  • AutoXtended coverage endorsement 
  • Rideshare 
  • Original Equipment Manufacturer (OEM) parts coverage 
  • Auto replacement cost 

State Auto Car Insurance Cost Comparison   

Insurer  18-Year-Old  25-Year-Old  30-Year-Old 
State Auto  $3,738  $2,633  $2,280 
All State  $6,854  $3171  $2,812 
Progressive  $5,289  $1,737  $1,546 
State Farm  $2,838  $1,153  $918 

State Auto has higher car insurance premiums than most of its competitors. In fact, State Auto’s prices were more than double  of State Farm-the lowest insurer, for our 25-year-old and 30-year-old driver profiles. State Auto, on the other hand, provided favorable quotations to young drivers, charging more than 29 percent less as compared to Progressive or All state. 

State Auto Car insurance Discount 

  • State Auto safety 360 telematics program 
  • Driver training 
  • Multi-policy 
  • Anti-theft gadget 
  • Course on how to avoid accidents 
  • Good student 
  • State Auto start-up 
  • Multi-car 
  • Paid-in-full 
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State Auto Homeowners Insurance: Coverage, Cost and Discount 

State Auto, like any other auto insurance company, offers three distinct package kinds for home insurance: Standard, Protection Plus, and Premier. 

The Standard plan is the most basic, personalized policy, while the Protection Plus package includes extra coverage for homeowners such as lock replacement, freezer content protection, and golf cart rental protection. The Premier increases the coverage limits and includes coverage for high-value objects such as art, jewelry, cutlery, and collectibles. 

Types of Home Insurance Coverages  

  • HO3 insurance and dwelling coverages are standard. 
  • Personal property coverage 
  • Coverage for earthquake  
  • HomeXtended coverage 
  • Home sharing 
  • Protection for home systems 
  • Determine the cost of fraud. 
  • Ordinance or law coverage 
  • Schedule personal property  
  • Personal injury coverage 
  • Line of service 
  • Back-up of water 

Cost of State Auto Homeowners Insurance 

The cost of premium for a mid-sized home is around $1,803 annually for State Auto homeowners insurance, according to Policy genius quoting data. 

Discounts of State Auto Homeowners Insurance 

  • Obtain an estimate in advance. 
  • Prior carrier discount 
  • Protective devices for the house  
  • Multi-policy discount 
  • Constructing a roof 
  • New house discount 

Farm And Ranch Insurance

Farm Insurance from State Auto helps farmers cover the expense of property damage by providing options for dwelling coverage, farm personal property, animals, farm structures, and more. 

Reviews and Ratings 

Rating Agency  Rating 
NAIC Complaint Index  2.69 
AM Best Financial Strength Rating  A- (Excellent) 

 

According to the NAIC, State Auto has a 2.69 Complaint Index. This number puts the company above the national median, which is 1.00. Additionally, State Auto has a remarkable ability to pay out insurance claims, as it has received excellent ratings from AM Best for its financial strength.  

Customer Review and Ratings  

Date  Review  Rating 
9/16/2019  State Auto is a great insurance company. They work to make sure that you are satisfied. I recommend this company. 

⭐⭐⭐⭐⭐ 

 

2/07/2015 

 

The staff here are excellent and the facilities are great.  

⭐⭐⭐⭐⭐ 

 

12/08/2020  My claim was handled really efficiently by State Auto. The claim adjuster was assigned to me within 24 hours and contacted me within an hour. They handled everything efficiently, and I was extremely satisfied.  

⭐⭐⭐⭐⭐ 

 

11/05/2020  Their claim service and payout are great. They are very professional and helpful in nature. I cannot say enough good things about this company.   ⭐⭐⭐⭐ 
8/23/2021  State Auto Insurance won’t return my calls and won’t update my claim status.    

Source: Yelp, Better Business Bureau 

Conclusion

Our Rating: ⭐⭐⭐

State Auto has a good auto insurance policy and offers certain special programs and discounts for drivers and homeowners over the age of 45, making it an appealing choice for that market.  

The company can provide reasonable and high-quality coverage, including enhanced protection for your personal possessions and business property, service line coverage, and equipment breakdown coverage if you reside in one of the 33 states where it’s available. Many of the better features, on the other hand, are only available in the higher product tiers, which means you may have to pay a much higher premium to get access to State Auto’s most essential coverage features.  

Frequently Asked Questions

How to make a car insurance claim with State Auto?

At State Auto you can file a claim with the help of the website or call. All of need is details regarding your policy and event. 

Does State Auto Insurance write in Florida?

No, State Auto Insurance does not write in Florida. 

Is State Auto part of Liberty Mutual?

Yes, State Auto Insurance is a part of Liberty Mutual. Liberty Mutual has acquired State Auto through a mutual transaction and merger. 

Is State Auto a good insurer?

Yes, State Auto Insurance is a part of Liberty Mutual. Liberty Mutual has acquired State Auto through a mutual transaction and merger.

How do I obtain a quote from State Auto?

To get a quote from State Auto, you must contact a local agent. Simply go online to the carrier’s website and enter your zip code to find a licensed insurance agent in your region.

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Agency Height is a publication and directory platform that connects insureds to insurance agents. Its goal is to link insurance seekers with trustworthy insurance professionals. The blog published here is for informative purposes only and strives to offer factual information to the readers. 

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