Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

State Auto insurance review 2024

Updated Jan 19, 2024

At a glance

3.2
Rating: 3.2 stars out of 5
Bankrate Score
Caret Down

Auto

Rating: 3.4 stars out of 5

3.4

Caret Down

Cost & ratings

Rating: 0 stars out of 5

0

Coverage

Rating: 0 stars out of 5

0

Support

Rating: 0 stars out of 5

0

Home

Rating: 3 stars out of 5

3.0

Caret Down

Cost & ratings

Rating: 3.3 stars out of 5

3.3

Coverage

Rating: 4.3 stars out of 5

4.3

Support

Rating: 4.5 stars out of 5

4.5

About Bankrate Score

Bankrate's take

Policyholders who want the convenience of choosing pre-packaged auto or homeowners coverage, and don’t mind having to contact an agent for a quote, might consider State Auto as their company of choice.

Who State Auto insurance might be good for: State Auto’s unique approach to offering insurance packages might appeal to drivers who are new to shopping for car insurance. The company also allows policyholders to personalize their insurance online or through an insurance agent.

 

Who State Auto insurance might not be good for: State Auto is now part of Liberty Mutual, but still operates with its State Auto brand name and customer service team. Drivers who value the analysis of third-party reviewers like J.D. Power might be disappointed to learn that scores for State Auto are unavailable.

Answer a few questions to see personalized rates from top carriers

New

What’s new with State Auto?

Liberty Mutual acquired State Auto in March of 2022. In early 2023, State Auto’s president stepped down.

State Auto car insurance

Finding the best car insurance company starts with understanding what aspects of insurance are most important to you. Based on Bankrate’s assessment, State Auto car insurance may be a good option for drivers who don’t want to spend a lot of time personalizing their car insurance. State Auto does not have a Bankrate Score for its auto insurance product and is not scored by J.D. Power. However, the company's coverage add-ons and customer-friendly online portal are noteworthy.

Drivers who want personalized coverage may opt for the company’s Standard package, while those who want the company’s set packages could pick from either the Protection Plus or AutoXtended Premier. Along with the standard coverage you’d expect, the Protection Plus package offers unique financial protections like cell phone coverage, emergency ambulance coverage, locksmith and key replacement coverage. The AutoXtended Premier package offers everything in the Plus tier, with some coverage available at higher limits.

Beyond these package tiers, State Auto also offers additional coverage options, such as full safety glass coverage, which has no deductible for glass claims. Auto replacement cost is also available, which could cover the replacement cost of your car if it is within two model years of your policy date and deemed a total loss in an accident.

Although State Auto car insurance is robust, it’s only available in 33 states. To see if you live in an area where the company operates, you can use the agent locator tool on State Auto’s website to find a local insurance agent.

Pros and cons of State Auto car insurance

Comparing car insurance quotes can seem daunting, but making a list of pros and cons can help keep you on track. This visual representation may help you distinguish State Auto from other companies and determine where your priorities lie: coverage, online accessibility, contact hours or something else.

Pros
  • Robust coverage options that you may not find with another company

  • Predetermined coverage package might appeal to shoppers new to car insurance

  • Able to make changes to your auto policy on the online customer portal

Cons
  • Not rated by J.D. Power

  • Android mobile app may have functionality issues based on policyholder ratings found on Google Play

  • Customer service not available 24/7

State Auto car insurance cost

Bankrate’s insurance editorial team took an in-depth look at auto insurance premiums in 2024, and according to proprietary rate data sourced by Quadrant Information Services, State Auto car insurance averages $2,620 for full coverage and $839 for minimum coverage. Comparably, the average cost of car insurance is $2,542 per year for a full coverage policy and $740 for a minimum coverage policy, making State Auto is slightly higher than the national average.

State Auto car insurance rates by driving history

For drivers without infractions on their record, State Auto’s full coverage car insurance rate is close to the national average. However, your rate depends on several rating factors, with your driving history being one of the most significant. Furthermore, while your overall driving record will impact your premium, each incident type could affect it differently. The tables below illustrate how much you may expect to spend on State Auto car insurance in various scenarios.

Please note that DUI rates have been omitted, as not all car insurance companies will offer a policy to a driver with this type of violation. For more information on State Auto’s DUI rates, please contact the company directly.

State Auto full coverage premium National full coverage premium
Clean driving history $2,610 $2,542
Speeding ticket conviction $3,212 $3,068
At-fault accident $4,205 $3,068

*All rates displayed are average annual rates.

State Auto car insurance quotes by age

5 percent of fatal auto accidents occur with drivers aged 16 to 20 behind the wheel. Young drivers pay some of the highest car insurance premiums due to their lack of experience and, thus, higher risk (in states that allow age to be used as a rating factor). However, how much a young driver pays for State Auto car insurance depends on if they are listed as a driver on their parents’ policy or if they have their own policy, as demonstrated in the tables below. It’s also important to note that these average premiums assume that the young driver has a clean driving record. Young drivers with an incident on their driving record can expect to pay more than average.

Average cost of car insurance for drivers on their parents’ policy
State Auto full coverage premium National full coverage premium
Age 16 $7,463 $5,469
Age 17 $7,463 $5,114
Age 18 $6,753 $4,797
Age 19 $5,404 $4,197
Age 20 $5,183 $3,962

*All rates displayed are average annual rates.

Average cost of car insurance for drivers on their own policy 
State Auto full coverage premium National full coverage premium
Age 18 $9,463 $7,499
Age 25 $3,160 $3,134
Age 30 $2,894 $2,693
Age 40 $2,620 $2,542
Age 60 $2,199 $2,302

*All rates displayed are average annual rates.

State Auto car insurance discounts

If you’re looking for the cheapest car insurance company, you may want to check out some of State Auto’s car insurance discounts that could help you save, including:

You could earn 10 percent just by signing up for this telematics program, with the opportunity to earn up to an additional 50 percent discount at your renewal.
Potential policyholders who quote before their original policy’s effective date could earn a discount. Savings amounts vary based on how many days in advance the quote has been requested, as well as how long the prior policy has been active.
Drivers aged 21 or older with a valid driver’s license could earn this discount by taking an approved course within the last 36 months.
Drivers under age 21 could earn a discount for taking a qualifying driving course.
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with State Auto
Caret DownCaret Up
Please select age
Location-Icon
Badge No spam. No fees. No surprises.
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

State Auto home insurance

After our in-depth analysis, Bankrate’s insurance team issued State Auto home insurance a Bankrate Score of 3.9 out of 5.0. State Auto’s lower-than-average homeowners premium, coverage options and discount opportunities helped the company earn this score. Still, this score may have been higher if J.D. Power rated State Auto’s home insurance product, or if coverage was available nationwide and customer support was 24/7.

Similar to its auto insurance, State Auto home insurance might be optimal for shoppers looking for predetermined coverage packages. State Auto home insurance comes in three package tiers: Standard, Protection Plus and Premier. The Standard package is the most basic tier, allowing homeowners to add coverage options based on their needs or stick with the essentials.

The Protection Plus package comes with lock replacement, $1,000 in coverage for freezer contents lost due to a power outage or breakdown and coverage for golf cart rentals. Homeowners can also add the HomeXtended endorsement, which offers more financial protection for your home and personal belongings. The Premier package automatically includes this coverage, and also provides coverage for specialty high-value items like jewelry and fine art. The Premier tier also provides volunteer wrongful acts protection if the insured is legally responsible for errors or negligence while working as a volunteer.

Other optional home coverage from State Auto includes home-sharing coverage, which may be ideal for insureds who also use their home for short-term rentals and home systems protection for AC units, computers and home security devices. State Auto also offers identity fraud coverage, ordinance or law, service line, water backup and personal injury coverage for homeowners who want to personalize their policy.

Pros and cons of State Auto home insurance

Even the best homeowners insurance company has its drawbacks. This list of pros and cons for State Auto home insurance may help you decide if the company is a good fit for you.

Pros
  • Homeowners insurance rates are lower than average

  • Numerous endorsement options allow for a highly-customizable policy

  • Homeowners discounts available to help you save

Cons
  • Not rated by J.D. Power

  • No coverage or discounts specific to environmentally-friendly homes

  • No online quotes

State Auto home insurance cost

In 2024, the average cost of State Auto home insurance with $250,000 in dwelling coverage is $1,506 per year. In comparison, the national average homeowners insurance cost is $1,687 per year for the same amount of coverage. Although your rates may differ based on your location, the age of your home and other rating factors, this average rate information may come in handy when comparing quotes.

Dwelling coverage limit State Auto average premium National average premium
$150,000 $818 $1,146
$250,000 $1,506 $1,687
$350,000 $1,653 $2,231
$450,000 $2,036 $2,785
$750,000 $3,293 $4,457

*All rates displayed are average annual rates.

State Auto home insurance discounts

Shoppers who need cheap homeowners insurance may be interested in the discounts State Auto has to offer, including:

If your home is newly built, this discount could be added to your policy.
You could qualify for this discount if your home meets Fortified Home standards for construction.
Depending on the age and type of material your roof has, your homeowners policy might be eligible for this discount.
This discount is aimed towards homeowners insured with their previous company consistently with no lapse.
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Mortgage

Get personalized home insurance quotes

Answering a few quick questions to check your availability with State Auto
Location-Icon
Your information is kept secure
Caret DownCaret Up
Caret DownCaret Up
Field is required
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

Compare State Auto with other insurers

Badge 1 Featured

State Auto

Item
Rating: 3.9 stars out of 5
3.9
Info
Read review Read Bankrate's full State Auto Insurance review
Caret Down

Farmers

Item
Rating: 3.7 stars out of 5
3.7
Info
Read review Read Bankrate's full Farmers Insurance review
Caret Down

American Modern Insurance

Item
Rating: 0 stars out of 5
0
Info
Read review Read Bankrate's full American Modern Insurance review
Caret Down

Geico

Item
Rating: 4.4 stars out of 5
4.4
Info
Read review Read Bankrate's full Geico Insurance review
Overview
Overview
Overview
Overview
Policyholders who want the convenience of choosing pre-packaged auto or homeowners coverage, and don’t mind having to contact an agent for a quote, might consider State Auto as their company of choice.
Like State Auto, Farmers also offers policy packages with add-ons to give insureds the opportunity to build their own insurance plan. However, unlike State Auto, it also offers life insurance products.
American Modern offers unique policy options for homeowners and auto insurance that might not be found with other carriers. It also writes coverage in all 50 states.
Geico offers some of the cheapest car insurance in the nation, along with an extensive variety of discount opportunities. Homeowners insurance is also available in most states, although these policies are underwritten by a variety of different companies.
Avg. full coverage auto rate
Avg. full coverage auto rate
Avg. full coverage auto rate
Avg. full coverage auto rate
$2,620
$2,668
No rates available
$1,732
Avg. home rate for $250k dwelling coverage
Avg. home rate for $250k dwelling coverage
Avg. home rate for $250k dwelling coverage
Avg. home rate for $250k dwelling coverage
$1,506
$1,967
$1,560
No rates available
J.D. Power Digital Experience Study - Service
J.D. Power Digital Experience Study - Service
J.D. Power Digital Experience Study - Service
J.D. Power Digital Experience Study - Service
N/A
689/1,000
N/A
731/1,000
J.D. Power Digital Experience Study - Shopping
J.D. Power Digital Experience Study - Shopping
J.D. Power Digital Experience Study - Shopping
J.D. Power Digital Experience Study - Shopping
N/A
547/1,000
N/A
502/1,000
AM Best rating
AM Best rating
AM Best rating
AM Best rating
N/A
A (Excellent)
A+ (Superior)
A++ (Superior)

Is State Auto a good insurance company?

Bankrate’s insurance editorial team includes licensed agents. We know that picking the best insurance company isn’t always easy, and that honest, straightforward and knowledgeable company reviews can be an integral part of the process. Our goal is to provide you with the information and State Auto insurance reviews you need to feel empowered to make an educated decision about your coverage needs.

With that said, State Auto could be a good insurance company for you, but it depends on what you’re looking for. If you want the convenience of a prepackaged insurance policy and various coverage options, State Auto could be a top option for you. However, those who want 24/7 service or the ability to get quotes online may not find the company to be an attractive option. You may benefit from contacting a State Auto agent to ask any remaining questions you have about its insurance to better determine if the provider is a good fit.

State Auto customer satisfaction

Everyone may need something different in their insurance policy. Some people are most concerned with rates, while others want the highest level of service. To help those who prioritize customer satisfaction, Bankrate analyzes third-party scoring metrics to evaluate how satisfied an insurance company’s policyholders might be with their carrier.

Bankrate’s editorial team usually utilizes J.D. Power customer satisfaction scores in our analysis to understand customer satisfaction. However, State Auto was not rated in J.D. Power’s most recent studies. To give you an idea about the company’s overall approach to customer service, we included data for Liberty Mutual since it acquired State Auto in 2022. Similarly, State Auto no longer participates in AM Best’s financial strength rating system since the acquisition, so we have included the rating for Liberty Mutual instead.

Study or Rating agency Liberty Mutual Industry average
2023 J.D. Power Digital Experience Study - Service 686/1,000 702/1,000
2023 J.D. Power Digital Experience Study - Shopping 538/1,000 521/1,000
AM Best rating A (Excellent) N/A

Typically, we’d provide State Auto’s J.D. Power rating, but State Auto was not rated. Instead, Bankrate analyzed Liberty Mutual’s rating since the company acquired State Auto in 2022. This score will give you a baseline for understanding how the company approaches claims processing. Liberty Mutual’s score is slightly below average, indicating that customers may not always be satisfied with its claims service.

J.D. Power Auto Claims Satisfaction Study

State Auto customer complaints

The National Association of Insurance Commissioners (NAIC) offers insights into customer satisfaction with insurance companies by tracking complaints. The NAIC assigns a complaint index score to each company, reflecting how it compares to others in handling customer issues. A score of 1.0 is the average, meaning the company has an expected number of complaints for its size. Scores above 1.0 indicate more complaints than average, while scores below 1.0 suggest fewer complaints. This system helps gauge a company's performance in customer service relative to its industry peers.

According to the NAIC, State Auto receives a higher-than-average number of complaints about the company’s private passenger auto insurance, as it has an index score of 2.01 for 2022. Since State Auto car insurance satisfaction data is limited, you may find it helpful to do further research by reading online policyholder reviews or speaking to family and friends insured with the company.

In contrast to its auto insurance, State Auto home insurance scores are generally below the NAIC Company Complaint Index baseline, although its 2022 index is above average at 1.46. This score means that while typically fewer people report complaints about State Auto home insurance to the NAIC, this trend may be shifting. Homeowners who prioritize customer service may want to keep this in mind as they compare home insurance quotes.

Other State Auto perks worth considering

Beyond auto and homeowners insurance, State Auto also offers a variety of other insurance products. These include:

  • Condominium insurance: Condo unit owners are typically only responsible for the interior of their units, which condo insurance provides coverage for.
  • Umbrella insurance: An umbrella policy offers increased liability protection on all personal lines insurance, such as auto, home and rental property insurance.
  • Renters insurance: This policy type offers coverage for personal belongings, personal liability and loss of use coverage.
  • Rideshare insurance: State Auto offers coverage for drivers who transport people from place to place, which typically isn’t covered as part of a personal auto policy.
  • Business auto insurance: This type of policy provides auto insurance if your business requires you to make deliveries, you drive to service locations or you manage a fleet of vehicles.
  • Property inspection mobile app: Homeowners who use State Auto can utilize the company’s AI-powered self-guided property inspection mobile application to perform their property inspection.

Frequently asked questions about State Auto

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $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 coverage that meets each state’s requirements. Our sample drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16–20 added to their parents’ policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X