State National Auto Insurance Review for 2024 (+Rates & Coverage Options)

This State National auto insurance review highlights the company’s competitive pricing and low monthly rates, starting at $57 for good drivers.

State National offers affordable premiums and accessible claims support, including a dedicated auto claims line for the State National insurance company. However, high-risk drivers may need more coverage options.

State National Auto Insurance Rating

Rating Criteria
Overall Score	3.6
Business Reviews	3.0
Claim Processing	3.4
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	3.2
Customer Satisfaction	2.5
Digital Experience	3.5
Discounts Available	4.3
Insurance Cost	3.9
Plan Personalization	4.0
Policy Options	2.5
Savings Potential	4.0

To explore alternatives, where to compare auto insurance rates can be helpful. For the best value, compare multiple quotes and contact the State National insurance company’s auto claims phone number for support.

To get a low-cost State National insurance quote, enter your ZIP code to quickly compare costs from several top-rated companies.

Breakdown of State National Auto Insurance Rates and Costs

When evaluating State National insurance company reviews, the typical premium for safe drivers is approximately $57 per month, which aligns competitively with average national premiums.

State National Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Pricing may fluctuate based on age, driving history, gender, and location. Overall, State National insurance auto claims tend to have rates below the national average, making the company a cost-effective option for numerous drivers.

If you are interested in how to reduce auto insurance rates, consider the State National insurance company in Florida. Apart from its auto insurance service, the State National Life Insurance company offers various financial protection services.

According to State National insurance reviews, the company scored 3.8, reflecting a solid but potentially improvable standing in the competitive insurance market.

Comparison of Average Costs With Other Leading Providers

Younger drivers, especially those under 26 or considered higher-risk, may find that smaller national auto insurance companies charge much lower rates than significant providers like State Farm. For example, a 20-year-old male might pay just $57 per month for coverage with State National, while State Farm could charge over $100 for similar 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
	$442	$492	$175	$177	$163	$161	$150	$152
	$421	$464	$168	$170	$158	$156	$145	$147
	$414	$462	$167	$168	$156	$155	$144	$146
	$404	$452	$165	$166	$154	$153	$143	$144
	$433	$475	$172	$173	$160	$159	$148	$149
	$408	$457	$166	$168	$155	$154	$143	$145
	$425	$471	$171	$173	$158	$157	$146	$148
	$412	$461	$167	$168	$156	$155	$144	$146
	$429	$467	$170	$172	$159	$158	$147	$148
	$404	$453	$165	$167	$154	$153	$143	$144

Age, driving history, and location contribute to premium differences. Male drivers under 25 typically face higher rates with most insurers, but State National reviews indicate that State National offers more affordable rates for this group.

State National Auto Insurance Monthly Rates by Driving Record

State National provides competitive pricing for drivers with clean records, while United Specialty insurance company and State National insurance company auto claims may have different pricing models.

Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record

Insurance Company	Clean Record	One Ticket
	$190	$240
	$175	$225
	$185	$235
	$165	$210
	$195	$245
	$170	$220
	$175	$225
	$170	$220
	$180	$230
	$160	$215

State National’s regional pricing often lowers premiums in certain states than nationwide insurers. It’s crucial to compare car insurance rates, as some providers may offer additional savings. For claims, contact the State National insurance company claims phone number.

Detailed Overview of Coverage Options Offered by State National

State National car insurance can address your needs from essential to complete coverage. The types of necessary coverages are below.

• Complete Coverage: This form of coverage combines liability, collision, and comprehensive protection for complete protection.
• Minimum Coverage: Those looking at the most basic requirement by their state for liability can have minimal required protection for affordable basic cover.
• Comprehensive Coverage: This insurance could protect against non-collision damages like theft, vandalism, or disaster.
• Gap insurance: It pays the gap between what you owe on a car loan (or lease) when your auto is declared a total loss and the actual cash value of that totaled vehicle.
• SR-22 Filings & Add-ons: Offers SR-22 insurance for high-risk drivers and optional extras like roadside assistance and rental car coverage.

State National companies offer various adaptable car insurance plans to fit diverse needs, from essential protection to extensive coverage. With a top rating of 5.0 in coverage options, State National ensures flexible plans that meet different driving requirements and efficient State National insurance claims processing to support policyholders.

You can get customized coverage if considering State National insurance with Tesla. Homeowners have options available through State National insurance company homeowners insurance. Contact your insurance provider for information if you need help determining whether a car has auto insurance coverage.

However, if you need help determining whether a vehicle has auto insurance, the best action is to contact your insurer directly. National General insurance also comes with different coverage solutions.

Discounts Available for State National Auto Insurance Policyholders

State National offers its policyholders a range of discounts, allowing them to enjoy significant savings by bundling their policies and maintaining a clean driving record.

State National Auto Insurance Discounts by Savings Potential

Discount Name
Good Driver	20%
Bundling	15%
Pay-in-Full	10%
Defensive Driving	10%
Anti-Theft	5%
Early Signing	5%

In competition, National General provides similar discount opportunities, aiming to offer cost-effective options for its customers. For assistance, drivers can contact the State National insurance company phone number or visit the State National Insurance Company website for more information.

State National’s discount rating is 4.3, which stands out especially for the best multi-vehicle auto insurance discounts that qualify insureds.

Feedback From Customers on State National Auto Insurance

State National Insurance receives mixed feedback from customers. While some value the low premiums and assistance with claims, others report delays and need improved responsiveness. The company claims a phone number is available for those needing support.

Customers, for example, on many customers cite the various factors determining auto insurance quotes, indicating how the State National Specialty Insurance Company is relatively inexpensive for those with a good driving record.

However, there is a significant feature of limited personalized services in some geographical regions.

The company has a customer satisfaction rating of 2.5, indicating that State National auto insurance could improve in the satisfaction department. Customers can use the direct contact number for any issues or complaints related to State National auto insurance claims.

Business Ratings and Industry Reputation of State National

State National has made remarkable progress toward building a well-respected position in the industry. They display reliability by maintaining a 3.0 overall business rating with the possibility of growth. If you want assistance filing a claim, visit www.statenational.com or contact them through the State National insurance claims phone number.

State National Insurance Business Ratings & Consumer Reviews

Agency
	Score: A+ Excellent Business Practices
	Score: 8.51 Below Average Complaint Ratio
	Score: A Excellent Financial Strength

State National offers solid insurance options in Florida, but its customer service and claims satisfaction ratings from J.D. Power and Consumer Reports fall short. For assistance, contact the State National insurance phone number.

While State Auto is generally dependable, those looking for the best business auto insurance may want to compare providers for the most robust coverage and customer experience.

Pros and Cons of State National Auto Insurance

Knowing the merits and demerits of each insurer is an integral part of finding the right auto insurance. The State National insurance company claims to provide cost-effective options, but these often come with particular requirements depending on the type of driver.

Here is a rundown of the pros and cons of getting State National insurance coverage:

Pros

• Low Price: State National car insurance quotes for good drivers start at $57 monthly.
• Flexible Types of Coverage: Full coverage, SR-22 filings, and gap insurance are all available with the company.
• Good Discount Opportunities: Drivers with State National have various ways to save, including with good driving and multi-policy discounts.
• Youth-Friendly Prices: State National’s rates for young drivers are competitive compared to other insurance carriers.

Cons

• Options for High-Risk Drivers: State National has fewer coverage options for high-risk profiles.
• Mixed Customer Service Reviews: Some State National reviews complaint of claims delays.
• Regional Coverage Gaps: Service and pricing for State National varies by location.

State National is good for price-sensitive drivers who need just the proper coverage. Of course, one of the best auto insurance companies that don’t penalize for lapse in coverage, it’s more than suitable for on-the-go drivers. High-risk drivers and drivers who place customer service among their top priorities will find other providers more appealing.

What We Found in Our State National Auto Insurance Review

Most State National co. reviews show it offers affordable premium quotes, a range of coverage options, and discounts for safe drivers and multi-policy holders. However, it has faced negative customer reviews, particularly regarding claims settlement and service quality.

Even as Progressive offers competitive rates for younger or lower-risk drivers, it’s likely to have better options for those seeking more specialized coverage or more support. Knowing why auto insurance rates are so disparate can help explain provider differences.

Enter your ZIP code below to find affordable coverage and cheap auto insurance quotes where you live — State National included.