State Auto insurance review 2021

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State Auto insurance was founded in 1921 and was referred to at that time as the State Automobile Mutual Insurance Company. Now, 100 years later, the regional carrier writes auto insurance premiums in 33 states, is valued at over $2 billion and has total assets worth over $4.6 billion. State Auto writes a variety of policies, ranging from auto and homeowners, to policies for renters and farm products. While the main headquarters operates from Columbus, Ohio, there are other offices for State Auto located throughout the midwest, Tennessee and Texas.

State Auto car insurance

State Auto offers auto insurance under three different package types — Standard, Protection Plus and AutoXtended Premier. Each package includes a different level of coverage and allows you to customize your auto insurance policies.

The Standard package allows you to customize a policy based only on the coverages you request. The Protection Plus plan and AutoXtended Plus plan, each provide a few more extras in addition to the coverages you select. For example, with the Protection Plus plan you receive $500 in pet coverage and Accident Forgiveness.

The AutoXtended Premier package provides the same number of coverages, but increases the limits, such as $750 in pet coverage and $1,000 in cell phone coverage.

Types of coverage

  • Liability
  • Medical payments and 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

Cost of State Auto car insurance

The average cost of State Auto car insurance for a minimum coverage policy is $601 per year. A full coverage policy averages $2,000 per year. For perspective, the national average for a full coverage policy is $1,674, according to premiums provided by Quadrant Information Services.

Car insurance rates vary widely depending on the state you live in and other personal factors, such as driving history, vehicle and miles driven, age, and sometimes gender and credit score (depending on where you live). Your exact quote may be more or less than the averages listed.

Average annual premium for minimum coverage Average annual premium for full coverage
$601 $2,000

Discounts

  • State Auto Safety 360 telematics program
  • Driver training
  • Multi-policy
  • Anti-theft device
  • Accident prevention course
  • Good student
  • State Auto Start-Up
  • Multi-Car
  • Paid-In-Full

State Auto home insurance

Like auto insurance, State Auto provides homeowners insurance that falls within three different package types — Standard, Protection Plus and Premier.

The Standard package is the most basic, customized policy but with the Protection Plus package, you receive additional coverages for homeowners including lock replacement, freezer content and golf cart rental protection. The Premier expands the limits of coverage further, plus includes coverage for high-value items such as art, jewelry, silverware and collectibles.

Types of coverage

  • Standard HO3 policy and dwelling coverages
  • Blanket personal property
  • Earthquake
  • HomeXtended coverage endorsement
  • Homesharing
  • Home systems protection
  • Identify fraud expense
  • Ordinance or law coverage
  • Personal injury
  • Schedule personal property
  • Service line
  • Water backup

Discounts

  • Advance quote
  • Prior carrier
  • Fortified home
  • Protective devices
  • Multi-policy
  • Roof construction
  • New construction

State Auto ratings, reviews, customer satisfaction and complaints

State Auto has a current excellent AM Best rating of A- for financial strength, meaning that the company should be able to pay out claims. The AM Best ratings measure the financial strength of an insurer based on a variety of factors involving credit and financial measurements.

State Auto does not make it onto the ratings for J.D. Power surveys. However, customer service reviews include positive ratings for overall customer satisfaction and claims handling. There are currently eight complaints against the auto insurance portion registered with the NAIC, mostly related to additional charges on consumer’s statements.

Reasons State Auto insurance is a good option

If you live in a location where State Auto insurance offers a policy, it may be an affordable option worth looking into, including minimum coverage policies. The company has a long history of providing a variety of insurance policies to customers and has an excellent rating with AM Best, indicating the financial strength of the company.

If you prefer the one-on-one aspect of working with an agent, then State Auto may be worth considering simply because of this. Currently, you are able to obtain quotes, purchase policies and make modifications to existing policies through a local agent.

Additionally, if you are searching for a carrier to purchase multiple policies from, such as homeowners, auto and business, then State Auto offers multiple products. Purchasing multiple policies from one carrier may save time and qualify you for additional discounts.

Additional policies offered by State Auto

The State Auto policies are usually lumped into three different categories: auto, homeowners and farm. Within these categories are a variety of policy types.

  • Condo
  • Dwelling Fire
  • Renters
  • Umbrella
  • Business property
  • Liability
  • Business auto
  • Business owners’ policy
  • Commercial umbrella
  • Risk engineering
  • Workers compensation
  • Cyber coverage
  • Farm and ranch
  • Farm auto
  • Farm umbrella

Frequently asked questions

How do I obtain a quote from State Auto?

With State Auto, you work through a local agent to obtain a quote. To find the name of someone to work with in your area, simply go online to the carrier’s website and enter your zip code to find a licensed insurance agent.

Is State Auto licensed in every state?

No, currently State Auto writes policies in 33 states. If you are trying to find out if policies are written in your area, you must work with a local agent to verify coverage.

Does State Auto offer a discount for safe driving?

Yes, for potential additional savings, drivers can enroll in the State Auto Safety 360 telematics program. By placing a tag on your vehicle windshield and connecting via bluetooth to the app you save 10% by simply signing up. According to the State Auto website, your potential savings based on good driving habits may be up to 50% on your auto policy.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor