State Auto Insurance Review for 2024 (See Rates & Discounts Here)
The State Auto insurance review reveals how the company offers competitive rates, with some drivers paying as low as $125 per month for coverage. While consumer feedback varies, it is a good idea to consider in light of its service quality aside from its State Auto insurance rating.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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State Auto
Average Monthly Rate For Good Drivers
$125A.M. Best Rating:
AComplaint Level:
HighPros
- Competitive rates
- Broad coverage options
- Generous discounts
- Strong financial stability
Cons
- Slow claims processing
- Delayed customer service
- Mixed feedback
This State Auto insurance review outlines two significant advantages: rates starting as low as $125 per month and excellent customer service.
State Auto, originally an independent insurer, was acquired by Liberty Mutual in 2021, expanding its reach and financial stability. State Auto is backed by Liberty Mutual’s AM Best rating, providing added security.
State Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4 |
| Business Reviews | 4.0 |
| Claim Processing | 2.5 |
| Company Reputation | 4.0 |
| Coverage Availability | 4.9 |
| Coverage Value | 3.7 |
| Customer Satisfaction | 3.4 |
| Digital Experience | 4.0 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.2 |
| Plan Personalization | 4.0 |
| Policy Options | 4.1 |
| Savings Potential | 4.4 |
Some users have mentioned slow claims processing times. State Auto car insurance is a great option for drivers looking for affordable rates while ensuring reliability. To find the best coverage, it is recommended that you compare quotes from different providers. You can check if sites like AutoInsurance.org are legit for unbiased reviews and comparison tools.
If you’re wondering if auto insurance is a waste of money, contact the State Auto insurance phone number for more information. Find affordable State Auto insurance coverage today using our quote comparison tool above.
- This State Auto car insurance review shows rates starting at $125
- State Auto insurance companies’ review highlights bundling discounts
- State Auto customer service hours are Monday to Friday, with extended hours
Analyzing the Cost of Coverage With State Auto Insurance
Typically, insurance companies base the cost of coverage on driving history, age, gender, and often the location state, which all vary. Those with a clean driving history tend to have rates beginning around $125 per month with farm-state auto insurance. However, those with multiple traffic tickets or accidents will likely pay more.
State Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $375 | $475 |
| Age: 16 Male | $425 | $525 |
| Age: 18 Female | $345 | $445 |
| Age: 18 Male | $395 | $495 |
| Age: 25 Female | $175 | $275 |
| Age: 25 Male | $205 | $305 |
| Age: 30 Female | $155 | $255 |
| Age: 30 Male | $175 | $275 |
| Age: 45 Female | $135 | $225 |
| Age: 45 Male | $155 | $245 |
| Age: 60 Female | $125 | $205 |
| Age: 60 Male | $145 | $225 |
| Age: 65 Female | $125 | $205 |
| Age: 65 Male | $145 | $225 |
Another important factor for car insurance pricing is the statistical risk involved with younger drivers, especially those under 25 or male. In addition, premiums can vary by state, with some areas having higher rates of local risk factors.
State Auto Insurance provides a cost-effective solution for reliable and customizable coverage.Daniel Walker Licensed Auto Insurance Agent
Knowing these variables will be vital to estimating auto insurance prices for a new car and finding cheap coverage.
Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider
| Insurance Company | Age: 18 Female | Age: 18 Male | Age: 30 Female | Age: 30 Male | Age: 45 Female | Age: 45 Male | Age: 65 Female | Age: 65 Male |
|---|---|---|---|---|---|---|---|---|
 | $340 | $370 | $150 | $155 | $130 | $135 | $120 | $125 |
 | $315 | $345 | $135 | $140 | $120 | $125 | $110 | $115 |
 | $330 | $360 | $145 | $150 | $125 | $130 | $118 | $123 |
 | $310 | $340 | $120 | $125 | $115 | $120 | $108 | $113 |
 | $360 | $385 | $160 | $165 | $140 | $145 | $125 | $130 |
 | $305 | $335 | $135 | $140 | $115 | $120 | $110 | $115 |
 | $325 | $355 | $140 | $145 | $125 | $130 | $115 | $120 |
 | $345 | $375 | $140 | $145 | $120 | $125 | $110 | $115 |
 | $350 | $380 | $145 | $150 | $130 | $135 | $120 | $125 |
 | $290 | $320 | $115 | $120 | $105 | $110 | $100 | $105 |
Overall, State Auto A.M. Best’s 2020 rating shows its excellent position in the market, with competitive rates across age groups and a strong reputation for pricing.
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How State Auto Insurance Prices Compare to Competitors
When comparing rates, State Auto Financial Corporation often offers more competitive premiums than State Farm, particularly for younger drivers under 25. State Automobile Mutual Insurance Company tends to have lower rates for these individuals and those with fewer years of driving experience.
State Auto Insurance Monthly Rates by Driving History
| Driving History | Minimum Coverage | Full Coverage |
|---|---|---|
| Clean Record | $115 | $190 |
| One Ticket | $110 | $180 |
| One Accident | $120 | $195 |
| One DUI | $140 | $275 |
The location also affects pricing. State Auto provides more affordable options in certain states, while State Farm’s nationwide presence may result in slightly better local rate adjustments.
Compare auto insurance prices by vehicle model or call State Auto’s phone number for the most affordable price. State Auto home insurance reviews also disclose the overall service provided.
Auto Insurance Monthly Rates by Driving Record & Provider
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $120 | $145 | $180 | $210 |
| $110 | $135 | $170 | $200 |
| $115 | $140 | $175 | $215 |
| $100 | $125 | $160 | $190 |
| $130 | $155 | $190 | $225 |
| $105 | $130 | $165 | $195 |
| $120 | $150 | $185 | $220 |
| $110 | $140 | $175 | $210 |
| $125 | $150 | $180 | $215 |
| $95 | $120 | $155 | $185 |
State Auto scores a 4.2 in this category for being a well-rounded and affordable option, though State Farm might have an advantage in some demographics.
State Auto Insurance Coverage Types and Options
State Auto Property and Casualty offers various options to suit its driver’s needs. Some of the major ones are as follows.
- Complete Coverage: This is a type of liability combined with comprehensive coverage providing for accurate and actual damages and losses.
- Minimum Coverage: This is used for low-premium costs and helps ensure that the State Auto provides legal minimum protection for the drivers.
- Comprehensive Coverage: The insurance type protects against loss or damage not caused by vehicles, such as theft, weather, and vandalism.
- Gap Insurance: Gap insurance always covers the difference between what you owe on your car and its market value if it is declared a total loss.
- Add-Ons: Some of the convenient add-ons that you may choose from include roadside assistance and rental car reimbursement.
These flexible types of auto insurance make State Auto perfect for those who are looking for all-rounded coverage. Given its vast range, it is as competitive with State Farm auto refinance as to provide the overall creation of an excellent experience for every driver.
With a rating of 4.9, State Auto Insurance offers diverse coverage options designed to meet both standard and advanced needs. Getting a State Auto insurance quote appeals to individuals seeking reliable and comprehensive insurance solutions.
Discount Opportunities Through State Auto Insurance
State Auto, praised in most State Auto insurance company reviews, provides excellent ways for drivers to save money while securing quality coverage. They stress affordability for even poor budgets to achieve comprehensive insurance options.
State Auto, however, is famous for providing deep discounts. State Auto reviews help drivers reduce their coverage spending while being perfectly assured of top quality. State Auto is affordable, customer-friendly, and one of the best options for cheap auto insurance solutions.
Discount Opportunities Through State Auto Insurance
| Discount Type | Savings Potential |
|---|---|
| Multi-Policy Discount | 15% |
| Safe Driver Discount | 20% |
| Vehicle Safety Discount | 10% |
| Anti-Theft Discount | 5% |
| Paid-in-Full Discount | 10% |
| Student Discount | 25% |
While comparing rates, it is also beneficial to remember that State Farm auto refinance rates and State Farm car loan rates may offer other forms of benefits. However, if you’re looking for the best auto insurance discounts for good drivers, State Auto could be a competitive choice and an excellent opportunity to save money.
These discounts are among the best in the industry and score a 5.0 on savings value. State Auto is committed to providing significant discounts so that budget-conscious customers should never have to sacrifice quality on their coverage.
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Customer Perspectives on State Auto Insurance
Customer feedback on State Auto insurance is mixed. Many customers appreciate the affordable premiums and the ease of managing policies online. However, some report slow claims processing and need more responsiveness to customer support.
Liberty Mutual agrees to purchase Columbus-based State Auto Insurance
byu/excoriator inColumbus
Discussions about affordable auto insurance are common on platforms like Reddit and Quora. For low-cost coverage, it helps to research which cars have the lowest insurance premiums and to consider options like rural-state auto insurance.
State Auto Insurance stands out for its blend of reliable coverage and customer-centric service, making it a trusted choice for policyholders.Scott W. Johnson Licensed Insurance Agent
Despite such gripes, State Auto manages a 3.4 score in the customer review rankings, with many acknowledging competitive rates and decent service despite occasional hiccups.
Business and Industry Ratings for State Auto Insurance
According to various independent review sites, State Auto has a good reputation. AutoInsurance.org Reviews emphasize the company’s strength, combined with an overall rating that highlights customer satisfaction and some service-related issues based on BBB ratings.
State Auto Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 820 / 1,000 Avg. Satisfaction |
 | Score: A- Business Practices |
 | Score: 60/100 Customer Feedback |
 | Score: 1.89 More Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
Knowing how to research auto insurance companies to assess professional ratings and customer feedback is essential before deciding.
Business reviews gave State Auto a rating of 4.0, mentioning the strong structure with practical support, especially since this was under Liberty Mutual management. Though customers do file complaints, State Auto is a leader in financial strength and possesses a good position with its clients.
In any case, it ranks nearly with State Farm auto loan refinance. State Farm car refinance options support maintaining good client relations. State Auto Safety 360 also provides enhanced protection features to ensure a safer driving experience.
Pros and Cons of State Auto Insurance
State Auto Insurance may be an excellent insurance company for saving money on premiums, but every insurance company needs to be fixed and have strengths and weaknesses.
Pros
- Competitive Prices: As low as $125 per month.
- Coverage: Wide variety of options; covers SR-22 filers and gap insurance.
- Discounts: They offer great incentives, including rewards for safe driving and discounts for bundling multiple policies.
- Stability: Backed by Liberty Mutual, a solid financial entity.
Cons
- Claims: Some customers find their claims to be processed very sluggishly.
- Customer Service: Long support delays during the peak hours of traffic.
- Customer Feedback: Overall rating of service: mixed reviews.
State Auto Insurance has relatively competitive rates and various coverage options, although some customers have reported processing delays by services.
If you’re looking to refinance, you can shop for other programs, such as State Farm refinance cars, to save even more. Finally, confirm that AutoInsurance.org is legitimate and understand services such as USAA lienholder verification online, which would go into effect once you make your final decision.
If you have problems with your policy, such as dissatisfaction with a claim, you must know how to dispute an auto insurance claim to obtain the desired result within due time. State Auto is still helpful for many because of its low rates and strong finances.
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The Complete Review for State Auto Insurance
The budget-friendly State Auto Insurance has rates from $125 a month, considering you are an excellent driver. After being acquired by Liberty Mutual Insurance, State Auto enjoys improved financial strength and receives a solid A.M. Best rating. The State Farm refinance car loan is a good option for those considering their car loan management.
Based on the complete review for State Auto insurance, it stands out as an affordable and reliable option for drivers seeking solid coverage at competitive rates.
The company provides various coverage options and discounts, though some customers report slow claims processing. Finding affordable auto insurance rates online is critical to finding the best coverage.
Overall, State Auto is competitive, particularly when compared with providers like State Farm, and is ideal for drivers seeking affordable, reliable coverage. Start comparing full coverage State Auto insurance rates by entering your ZIP code below.
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Frequently Asked Questions
Who owns State Auto insurance?
As highlighted in the Liberty Mutual auto insurance review, in 2021, Liberty Mutual acquired State Auto insurance, strengthening its financial stability and expanding its market reach.
Is AutoInsurance.org legit?
AutoInsurance.org’s legitimacy is well-established as a trusted online platform. It offers a free service for comparing auto insurance rates, reviews, and details from different providers. The website operates independently and is not linked to any specific insurance company, ensuring it delivers objective and unbiased information to users.
Is State Auto a good insurance company?
State Auto insurance is one of the cheapest-priced quotes, which makes this automobile driver’s company famous. Liberty Mutual provides competitive premiums and numerous cover options through this organization. However, State Auto insurance companies’ reviews recognize the slow procedures they follow in filing claims. Overall, customer service could be improved, too. Farm-State auto insurance offers similar coverage but with more prompt claim processing and much better customer service.
What types of insurance does State Auto offer?
State Auto keeps a balanced portfolio of insurance products ranging from auto, home, and renters to life and business insurance. Customers can tailor the policies to cover liability, collision, and comprehensive. Click here for cheap State Auto insurance quotes from top companies by filling in your ZIP code below.
How can I file a claim with State Auto insurance?
To file a claim with State Auto, you can do so through their website, mobile app, or by calling their claims department. You can track claims online; our customer support team is available 24/7. You can also use the best auto insurance apps to manage your policy.
Does State Auto offer discounts on auto insurance?
State Auto offers discounts for safe driving, multi-policy savings with home and auto coverage, and reductions for vehicles with anti-theft devices. To find out what discounts apply to you, contact State Auto or an agent. For more information, check out State Auto homeowners insurance reviews and auto state insurance options.
Can I manage my State Auto insurance policy online?
Yes, State Auto has also provided:
- Online portal and a mobile app for policy management
- Payment of policy premiums.
- You are viewing coverage details.
- They are filing claims.
Thus, managing insurance needs becomes relatively simple for policyholders from any corner of the world.
How does State Auto’s claims process work?
The claims process with State Auto begins with an online claim using their mobile app or phone call. The information goes to the claims adjuster, who approves the payment. State Auto’s fast processing contributes to its A.M. Best rating.
Is State Auto insurance available in all states?
State Auto insurance is available in several U.S. states, but not all of them. Check if it operates in your state and review the minimum auto insurance requirements by state before getting a quote.
How can I contact State Auto insurance customer service?
You can reach State Auto insurance customer service via a toll-free call, email them, or even live chat on their website. They also have mobile app support and portal assistance to help policyholders make changes or answer any queries regarding their policies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Someone_Looking_for_a_Good_Insurance_Company
Do not get State Auto - they are completely incompetent
KKing82
Scam Likely
Jennporter4
Don’t use State Auto
bdom
SCAM ALERT!!!
Daby0729
Read reviews before you purchase
JStou
Avoid State Auto at all cost!
Susan333
CRIMINALS THAT WILL STEAL YOUR MONEY
Disapprove
State Auto is inefficient, should not be in business.
Apar
Horrible Insurance Provider!
atiqa
Good customer service