State Auto insurance review 2024

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.

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.

Compare State Auto with other insurers

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 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.

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

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.