State Auto insurance review 2025

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 attention to unique business customer needs and  customer-friendly online portal are noteworthy.

State Auto underwrites business auto policies for a variety of vehicles even though personal auto insurance is no longer available. Customers can get a quote for both owned and leased commercial vehicles, and an agent will identify how much insurance you need based on the specifics of your fleet. According to State Auto, your business auto quote will be based on factors like how much you drive, the types of cars, trucks or other vehicles your business uses; and whether you own your business vehicles. 

State Auto car insurance is 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, customer service availability or something else.

Comparing State Auto with other insurers is an essential step in finding the insurance coverage that best fits your needs. Each carrier offers its own selection of policy options, customer service levels, discounts and pricing, making it important to weigh these factors against your personal or business insurance requirements. Considerations such as the insurer's presence in your state, the ease of filing claims, customer satisfaction ratings and the financial stability of the company can influence your decision. Engaging in thorough comparison not only helps in identifying the insurer that aligns with your priorities but also ensures that you are adequately covered while possibly saving on premiums.

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. It could be good for business or farm owners who prefer to deal with an agent than purchase a policy without the assistance of a live representative. 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.

What are real-life customers saying about State Auto?

To offer insights into State Auto's performance from those who've directly interacted with their services, we gathered opinions from real customers on platforms such as Reddit and Yelp. These sources provide a platform for users to share unfiltered experiences, whether they're positive or negative, giving potential customers a comprehensive view of what it's like to be insured by State Auto.

Reddit

A Reddit user shared their frustrations with State Auto, particularly noting challenges in customer service and policy management following its acquisition by Liberty Mutual. They mentioned experiencing delays and communication issues, likening the service to outsourced support.

Yelp

Yelp reviews for State Auto present contrasting experiences. While many reviews exist prior to the discontinuation of auto policies, others warn against using the company in general, describing a problematic experience with unauthorized charges and labeling it as a scam, leading to significant inconvenience and necessitating bank intervention.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

State Auto company details

Here’s how to contact State Auto:

• Phone: 1-833-724-3577
• Find a local agent: Find an Agent | State Auto
• Website: stateauto.com
• Mailing address: 518 East Broad Street, Columbus, Ohio 43215

State availability

Prior to its acquisition, State Auto insurance wrote policies in 33 states. However, it’s been acquired by Liberty Mutual, which is available in all 50 states and Washington, D.C. You can use the company’s agent locator tool to see if there is an agency near you.

State Auto tools and benefits

State Auto also offers a variety of other insurance products. These include:

• Umbrella insurance: An umbrella policy offers increased liability protection on all personal lines insurance, such as auto, home and rental property insurance.
• 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.
• Business liability insurance: This type of insurance is often called general liability insurance. It offers protection for everything from personal injury claims on your property to product recalls. 
• Workers’ compensation: State Auto offers workers' compensation coverage to complement a business owner's policy or commercial insurance package. This can help offset lost productivity or costs due to injured employees.

Frequently asked questions about State Auto

These are sample rates and should only be used for comparative purposes. 

Additional profiles:

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

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores

Our 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 highlighting 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 an auto and 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.