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 14, 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 14, 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 customers have reported slow claims processing. State Auto is best for budget-conscious drivers who prioritize reliability. To find the best coverage, compare multiple quotes.
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 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
Any insurance company may have to estimate the coverage cost depending on several factors, such as driving records, age, gender, and location in every state. Therefore, for any user with a clean record, the rates start from $125 a month with car-state insurance, which is very competitive. A user with a record of incidents or a traffic violation will have to face higher prices.
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 significant factor about car insurance rates is that statistical risks may increase for young drivers, especially those under 25 and males. Other states may also have rates different from yours due to other areas experiencing higher premiums.
All these variables must be understood to find cheap auto insurance and to know how to estimate auto insurance costs for a new car.
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 |
On average, State Auto’s rates rank well compared to competitors, holding a solid 4.2 in the review rankings for its competitive pricing across various demographics.
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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.
The location also affects pricing, with State Auto providing 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 Speeding Ticket | One Accident | DUI |
|---|---|---|---|---|
| $120 | 145.0 | $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 | 120.0 | $155 | $185 |
State Auto scores a 4.2 in this category for being a well-rounded and affordable option, though for some demographics, State Farm might have an advantage.
State Auto Insurance Coverage Types and Options
State Auto Property and Casualty can be available in 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 worth in the market if 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.
The numerous options offered by State Auto carry a high rating of 4.9 in the ranking review for such broad areas of comprehensive coverage, able to suit both primary and sophisticated requirements.
Discount Opportunities Through State Auto Insurance
State Auto, one of the great industries with an excellent rating, provides these opportunities for people to save good money, enabling drivers to obtain quality coverage without breaking the bank. It’s affordability-focused and ensures even a tight budget gets full coverage.
Discount Opportunities Through State Auto Insurance
| Discount Type | Maximum Savings |
|---|---|
| Multi-Policy Discount | Up to 15% |
| Safe Driver Discount | Up to 20% |
| Vehicle Safety Discount | Up to 10% |
| Anti-Theft Discount | Up to 5% |
| Paid-in-Full Discount | Up to 10% |
| Student Discount | Up to 25% |
These discounts, given that they are industry-high scoring, help cut significant savings for drivers to enjoy good quality coverage without costing them a limb. State Auto’s affordability-focused goals always help even the tightest budgets realize comprehensive coverage.
State Auto Insurance offers some of the best discount opportunities in the industry, making it an ideal choice for budget-conscious drivers looking to save on their coverage.Daniel Walker Licensed Auto Insurance Agent
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.
Despite such gripes, State Auto manages a 3.4 score in the customer review rankings, with many acknowledging competitive rates and decent service despite hiccups from time to time.
Business and Industry Ratings for State Auto Insurance
State Auto insurance has a generally positive reputation based on evaluations from third-party sources. AutoInsurance.org reviews highlight its strong industry presence, while State Auto insurance reviews BBB offer insights into customer satisfaction and service challenges.
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 review scores State Auto a 4.0, reflecting its good structure and impressive support under the supervision of Liberty Mutual. Although some clients complain, the company is doing well in terms of financial strength and good standing with customers.
Pros and Cons of State Auto Insurance
State Auto insurance is one of those inviting options for motorists who want to save money on an insurance policy, but, like any other carrier, it also has pros and cons.
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 offers competitive premiums and a wide range of coverage options, but some customers experience delays in service processing. You should also evaluate the legitimacy of AutoInsurance.org before making a 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
State Auto insurance offers affordable rates starting at $125 monthly for drivers with a clean record. State Auto has been acquired by Liberty Mutual insurance, enhancing its financial stability with a strong A.M. Best rating.
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?
In 2021, Liberty Mutual acquired State Auto insurance, strengthening its financial stability and expanding its market reach, as highlighted in the Liberty Mutual auto insurance review.
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 to approve the payment. State Auto’s fast processing contributes to State Auto AM’s 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