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Stillwater Insurance review 2022

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Originally part of Fidelity National Financial (FNF), Stillwater Insurance became a separate company in 2012 after FNF decided to leave the insurance market due to the major losses it suffered from hurricanes Katrina, Rita and Wilma. Despite rebranding as Stillwater Insurance Group, the company continues to service customers in all states for car and home insurance.

Perks Drawbacks
Available in all 50 states Limited endorsement options for personalizing home and auto insurance policies
May be an option for customers living in high-risk areas High NAIC Index score indicates Stillwater receives more customer complaints than average compared to other insurance companies

The Stillwater Insurance Group is made up of three companies: Stillwater Insurance Company, Stillwater Insurance Services, Inc and Stillwater Property and Casualty Insurance Company. Together, the companies sell various lines of insurance, including auto and home, in all 50 states while offering customizable coverage for every individual’s needs.

Stillwater car insurance | Bankrate Score: Not rated

Compared to other car insurance carriers, Stillwater car insurance consists of mostly standard coverage options. Drivers can fulfill their state’s minimum requirements for car insurance with bodily injury and property damage liability coverage, as well as personal injury protection in some states. Stillwater also offers collision and comprehensive coverage, medical payments, rental reimbursement and towing.

Stillwater received an A- rating for financial strength from AM Best, which suggests an excellent ability to meet ongoing financial obligations. However, it did not rank in JD Power’s Auto Insurance Study for 2021 for customer satisfaction and claims process. Additionally, its National Association Of Insurance Commissioners (NAIC) scores for both Stillwater Insurance Company and Stillwater Property and Casualty Insurance Company were higher than average, indicating that Stillwater receives two to three times the amount of complaints when compared to the average.

Stillwater car insurance cost

Average premiums for Stillwater car insurance are not available, but knowing other figures can help with providing a baseline for comparison. The national average cost of car insurance is $1,771 per year for full coverage and $545 for minimum coverage. As you request car insurance quotes, keep in mind that your actual rates may differ from the average due to individual rating factors, such as your driving history, annual mileage, type of vehicle and more.

National average annual full coverage premium
Clean driving history $1,771
Speeding ticket conviction $2,138
At-fault accident $2,521
Adding a 16-year-old driver* $3,852

*16-year-old rates reflect the added cost to their parents’ full coverage car insurance policy.

Stillwater car insurance discounts

The best car insurance companies offer many discounts to help save on car insurance. Compared to other carriers, Stillwater’s auto insurance policy discounts are more standard. The discount opportunities include:

  • Multi-car discount: Insuring more than one car on your policy could result in cheaper premiums for each vehicle.
  • Multi-policy: If you have more than one policy with Stillwater, this discount could be added to your policy.
  • Paperless: Enrolling in paperless statements could result in an additional discount on your car insurance.

Stillwater car services

Stillwater does not advertise any additional services for car insurance customers.

Stillwater home insurance | Bankrate Score: Not rated

In contrast to its auto insurance, Stillwater home insurance also offers a few add-on options for policy personalization. After selecting policy limits for standard coverage, like dwelling, personal property and liability, homeowners can also choose to add animal liability, identity theft and water back-up coverage to their homeowners policy. It is also possible to choose extended replacement cost for dwelling coverage or endorse the policy to cover personal property with replacement cost coverage.

Stillwater home insurance cost

Although the average Stillwater home insurance rates are unavailable, the national average cost of homeowners insurance is $1,383 per year for $250,000 in dwelling coverage. When requesting a quote from Stillwater, this number could be useful for comparison purposes. The average cost of homeowners insurance may also help you to narrow down the options to find the best home insurance.

Dwelling coverage limit National average annual premium
$150,000 $980
$250,000 $1,383
$350,000 $1,887
$450,000 $2,351
$750,000 $3,414

Stillwater home insurance discounts

Homeowners may have many opportunities to save on their insurance policy with Stillwater, though the discount opportunities will likely depend on features of their home. Some discounts for Stillwater’s homeowners insurance policy include:

  • Accredited builder discount: If certain accredited builders constructed your home, you may qualify for this discount on your home insurance policy.
  • Gated community discount: If your home is located within a gated community, you may qualify for additional savings on your policy.
  • Roof type discount: This discount could be added to your policy if your roof has been constructed with certain types of approved materials.

Stillwater home services

Stillwater does not advertise any additional services for homeowners.

Other Stillwater perks worth considering

While auto and homeowners insurance may be Stillwater’s most popular options, the company also offers a few other insurance products. These include:

  • Condominium insurance: A condominium insurance policy insures everything within the interior of your unit, including structures and personal possessions.
  • Renters insurance: As a renter, protecting your personal belongings could be a priority. A renters policy also includes coverage for personal liability and loss of use.
  • Umbrella insurance: If you want additional liability protection for both your home and auto insurance policies, consider an umbrella insurance policy.

Stillwater social responsibility

Stillwater’s website does not share as to whether the company is making ongoing efforts toward social responsibility. However, Stillwater was awarded the 2017 BBB Torch Awards for Ethics for its commitment toward organizational ethics that benefit its customers, employees, vendors and wider community.

Not sure if Stillwater is right for you? Consider these alternatives

This Stillwater Insurance review may have given you a better idea of how it could suit your needs. Finding the best insurance company typically involves shopping around to see what rates and policy options each company might offer you. If you’re looking for alternatives to Stillwater, it may be helpful to consider:

  • State Farm: State Farm is known for having solid customer service ratings and a robust network of local agents, making it an option worth considering for those who want personalized service.
  • Tower Hill: Headquartered in Florida, Tower Hill is familiar with the home insurance needs of Florida residents.
  • Geico: Geico’s average car insurance rates are some of the most affordable in the nation, making it a choice to explore for drivers on a budget.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 2020 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 18-60 (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.

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
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
  • Coverage E, Liability: $300,000
  • 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.

Written by
June Sham
Insurance Writer
June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.
Edited by
Insurance Editor
Reviewed by
Director of corporate communications, Insurance Information Institute