Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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At a glance
Bankrate's take
Stillwater has fairly robust auto and home policies and could be a good option for homeowners in high-risk areas. The company has mixed customer satisfaction ratings, though, which could indicate that some customers are not satisfied with the service.
Policyholders have access to over 10 discount options for homeowners insurance.
A- (Excellent) rating for financial strength from AM Best
NAIC complaint indexes indicate that customers were previously fairly satisfied with the carrier's service, but the number of complaints filed increased substantially in 2023.
Stillwater car insurance review
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, uninsured/underinsured motorist coverage, medical payments, rental reimbursement and towing.
Pros and cons of Stillwater car insurance
Here’s a quick summary of Stillwater car insurance that may help you decide if it’s the right car insurance for you:
Pros
Online portal and mobile app available
Variety of discounts available to help save on car insurance
Cons
Not ranked in J.D. Power’s 2023 Auto Claims Satisfaction Study
Add-on coverage options may be more limited compared to its competitors
Mobile app has poor ratings from both iOS and Google Play users
Stillwater car insurance cost
Average premiums for Stillwater car insurance are not available, and it does not appear they offer online quoting for auto insurance in all states. As you request car insurance quotes, keep in mind that your rates could differ from company to company as each may weigh insurance rating factors differently. These factors include your driving history, annual mileage, type of vehicle and more. This may be important, especially if you’re looking for cheap car insurance.
Stillwater customer satisfaction
For many customers, service and financial strength may be as important as price when it comes to choosing the right insurance company. Speaking to family and friends about their experience with Stillwater may be helpful, since the company is not currently rated by J.D. Power. Bankrate also analyzed its financial strength ratings. Stillwater received an A- (Excellent) rating for financial strength from AM Best, which suggests it has historically had the ability to pay out claims when necessary.
Stillwater auto insurance customer complaints
Our team looked to the National Association of Insurance Commissioners (NAIC) to help get an idea of carrier customer service. The NAIC issues complaint indexes for insurance companies with a baseline of 1.00. An index above 1.00 indicates a company receives more complaints than expected for its size.
The NAIC Complaint Index for Stillwater's private passenger auto insurance product shows a significant increase in customer complaints in 2023 compared to 2022 and 2021.
Stillwater car insurance discounts
Many of the best car insurance companies offer discounts to help policyholders save on car insurance. Compared to other carriers, Stillwater’s auto insurance policy discounts are fairly standard. The company's discount opportunities include:
Multi-car and multi-policy:Insuring more than one car or bundling policies with Stillwater could result in cheaper premiums
Accident- and violation-free: You may save on your policy with Stillwater if you avoid accidents and violations, like speeding tickets, for a set period of time.
Paperless: Enrolling in paperless statements could result in an additional discount on your car insurance.
Theft and safety devices: Policyholders may save on their auto insurance with Stillwater if their car is equipped with safety and anti-theft devices.
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.
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.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Stillwater
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.
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.
Stillwater home insurance review
Stillwater home insurance includes fairly robust add-on options for policy personalization. After selecting policy limits for standard coverage, like dwelling, personal property, loss of use and liability, homeowners can also add optional coverage types like animal liability, identity theft, extended replacement cost, scheduled personal property and water backup coverage.
In addition to endorsements, Stillwater has a long list of discounts for potential policy savings.
Pros and cons of Stillwater home insurance
When shopping for the best home insurance policy, comparing perks and drawbacks for different carriers may help you decide if a company could meet your needs. Here are some key considerations we identified with Stillwater insurance.
Pros
Wide variety of endorsements for potential policy customization
Long list of discount options, including some uncommon options, like a utility upgrade discount
Cons
Not rated in J.D. Power’s Home Insurance Study or Digital Experience Study
Similar to its auto insurance product, Stillwater's home insurance complaint index increased substantially in 2023 compared to previous years. It has over three times the number of complaints expected for a carrier of its size.
Stillwater home insurance discounts
If you’re looking for cheap homeowners insurance, discounts may help you save on your premium. Some potential discounts for Stillwater’s homeowners insurance policies include:
Accredited builder discount: If approved 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 premium.
Roof type discount: This discount could be added to your policy if your roof is constructed with certain types of approved materials
Safety discounts: If you have safety devices like burglar alarms or automatic sprinklers installed in your home, Stillwater may reward you with a discount.
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.
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.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Stillwater
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.
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.
Compare Stillwater with other insurers
This Stillwater Insurance review may give you a better idea on whether the company could meet your needs, but 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 the following providers.
Stillwater vs. State Farm
State Farm is the largest property and casualty insurance company in the U.S. by market share with positive third-party customer service ratings and a robust network of local agents. State Farm also has a wide array of endorsements and discounts for policy customization and potential savings, and it is available nationwide. In addition to home and auto, State Farm offers life insurance, which may be appealing to customers who prefer to meet all their insurance needs with a single company, but like Stillwater, it does not offer gap coverage for auto insurance.
Similar to Stillwater, Tower Hill is headquartered in Florida and familiar with the home insurance needs of Florida residents. Tower Hill also provides special home insurance plans for those with high-value homes and a tiered insurance policy structure which may appeal to customers who want a more robust policy without sorting through various endorsements. However, Tower Hill is only available in 16 states, so it may not be available in your area.
Geico’s average car insurance rates are some of the most affordable in the nation, so it may appeal to drivers on a budget. This factor helped it tie for the 2024 Bankrate Awards for Best Budget Auto Insurance Company and Best Auto Insurance Company Overall. It also snagged an award for Best for Young Drivers. The company is well-known for having a robust online portal and mobile app for those who prefer digital policy management. Geico has a long list of discounts, but its endorsements are fairly limited, and its home and life policies are underwritten by third-party companies.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Stillwater a good insurance company?
Bankrate's insurance editorial team uses a holistic approach to evaluate all aspects of a carrier in our insurance company reviews. Our Stillwater Insurance review aims to shed some light on this carrier’s unique offerings, customer satisfaction and historical financial strength.
When it comes to auto insurance, Stillwater car insurance may seem lackluster due to its limited options and standard discounts. However, drivers who want a simple policy may find this to be right for their needs. In contrast, Stillwater home insurance has more opportunities for add-on coverage and a long list of discounts. With mixed customer satisfaction reviews, potential policyholders may want to speak with current customers about their experience before buying a policy.
What are real-life customers saying about Stillwater?
To gain a deeper understanding of what policyholders think about Stillwater Insurance, we assessed discussions and reviews on Reddit. By exploring these first-hand customer reviews, we aim to provide a more nuanced view of the customer experience, ranging from satisfaction with claims processing to customer service interactions, helping you get a clearer picture of what it might be like to be insured by Stillwater.
Reddit
Reddit users have shared mixed experiences with Stillwater, particularly in handling claims and customer service.
Reddit user 1
Oct 23, 2023
We have a claim open with them now. It's a...
"We have a claim open with them now. It's a relatively small water damage claim (toilet's wax ring was not properly in place and so Category 3 water was leaking under the tiles of our bathrooms down to our first floor ceiling). We had an absolutely horrible incompetent agent initially and her manager that gave us the runaround for 3 months…We've had one other claim with a different insurance company maybe around 10 years ago and it was a bigger company. The way they dealt with it vs. the way Stillwater has been dealing with this one has been night and day."
I don't write their auto product, but I do work...
"I don't write their auto product, but I do work with them for home/renters insurance - they are a solid and stable company, the policies I sell have a good balance of pricing/coverage options, and when I've had to call over to them on behalf of a client, I've gotten good service."
I strongly advise against choosing this service...
"I strongly advise against choosing this service. My initial encounter with them left me frustrated and disappointed. I was notified about a credit card issue leading to a penalty charge, but the lack of prior notifications was perplexing. Upon receiving a signature-delivered mail, I promptly addressed the matter, only to discover that there was no actual problem with my card. My available credit was substantial, and my address had remained unchanged. Despite presenting evidence of successful transactions, the company refused to acknowledge their error."
Stillwater Insurance is a national insurer and writes policies in all 50 states and Washington, D.C..
Stillwater tools and benefits
If you're a prospective Stillwater customer, you may be interested in these additional policy types the company offers:
Condominium insurance: A condominium insurance policy typically insures everything within the interior of your unit, including interior structures and personal possessions.
Renters insurance: As a renter, you may not need insurance for the structure of your home or apartment building, but renters insurance provides financial protection for your personal belongings as well as liability coverage.
Umbrella insurance: If you want additional liability protection for both your home and auto insurance policies, you could consider a personal umbrella insurance policy.
Landlord insurance: A landlord policy will not cover your tenants’ belongings, but it can help protect your rental property’s physical structure and provide liability coverage.
Frequently asked questions about Stillwater
Stillwater’s website does not share information about the company's social responsibility. However, Stillwater was awarded the 2017 Better Business Bureau Torch Award for Ethics for its commitment to organizational ethics that benefit its customers, employees, vendors and wider community.
Filing a home or auto claim with Stillwater can be done in a couple ways:
To cancel a Stillwater home insurance policy, you must contact its customer service department by calling (855) 712-4114 or emailing ins@stillwater.com. The company’s customer service hours are currently Monday - Friday 8 a.m. to 9 p.m. EST and Saturday 8 a.m. - 3 p.m. EST.
While we aim to evaluate and score as many insurance companies as possible to aid in your decision-making, not every insurance company has a Bankrate Score. Our Bankrate Scores take into account multiple third-party metrics, including those from J.D. Power, AM Best and NAIC. In situations where a carrier is not rated by one or more of these organizations, the carrier is often not given a Bankrate Score because we do not have enough inputs to accurately score the company's insurance offerings.
What policyholders are saying about Stillwater
Stillwater has 49 reviews
Dive into community reviews below and see what others think about Stillwater.
3.9
49
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
73% of consumers recommend this insurer
Score breakdown
5 stars
22%
4 stars
51%
3 stars
22%
2 stars
2%
1 star
2%
Score by category
Overall rating3.9 / 5
Original cost3.9 / 5
Coverage4.0 / 5
Customer Support4.1 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Stillwater.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They 've been upfront about everything
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Consistently offered greatest value
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Its alot cheaper than most companies and it's very easy to access online and customer service is the best I've ever had
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I recommend staying with still water because they have been a great insurer for the last 5 years..
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I had mandatory requirements (ex. coverage options, deductible levels) that each company needed to meet. Once I had those established, Stillwater provided the lowest rate.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their prices are very reasonable, and because they reward good drivers.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Their polices cover everything I need
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I appreciate how they handle claims professionally.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their policy renewal process is simple.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I feel like they actually care about their customers.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Edited by
Reviewed by
