State Auto Insurance Reviews 2023

This insurance review 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.

Overview

• No of reviews: BBB (160), Trustpilot (2), Total reviews (162)
• No. of ratings: BBB (1.15), Trustpilot (2.9), Average ratings (2.2)
• Address: 518 E Broad St, Columbus, OH 43215, United States
• Phone number: +18337243577

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.

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 provides 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.

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:

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

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

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

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.

Conclusion

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.

Sources

• State Auto
• Motor 1
• Policy Genius
• Better Business Bereau
• Yelp
• Expert Insurance Reviews
• NAIC

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.