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Stillwater insurance review 2025

Updated Jan 08, 2025
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At a glance

Stillwater car insurance review

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Pros

  • Online portal and mobile app available
  • Variety of discounts available to help save on car insurance
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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
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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.

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Powered by Coverage.com (NPN: 19966249)

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.

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

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Pros

  • Wide variety of endorsements for potential policy customization
  • Long list of discount options, including some uncommon options, like a utility upgrade discount
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Cons

  • Not rated in J.D. Power’s Home Insurance Study or Digital Experience Study
  • Flood and earthquake insurance are not available
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Get personalized home insurance quotes

Answering a few quick questions to check your availability with Stillwater

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Powered by Coverage.com (NPN: 19966249)

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.

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

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Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Stillwater insurance review.

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Is Stillwater a good insurance company?

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."
Reddit user 2
Feb 5, 2020
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."
Reddit user 3
Jan 15, 2024
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."

What policyholders are saying about Stillwater

CTA Stillwater has 24 reviews

Stillwater has 24 reviews

Dive into community reviews below and see what others think about Stillwater.

3.7 Star Icon
24 ratings
Info Icon
54% of consumers
recommend this insurer
Score breakdown
5 stars
25%
4 stars
29%
3 stars
38%
2 stars
4%
1 star
4%
Score by category
Overall rating 3.7 / 5
Original cost 3.5 / 5
Coverage 3.8 / 5
Customer Support 3.8 / 5
Verified Badge Icon 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.
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Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They are a good company that offers a low monthly fee. I feel they give people like me a opportunity to afford home insurance
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 would only consider lleaving if their was a company that can beat their prices and coverages
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The best prices
How does this insurer compare to insurance companies you’ve had in the past?
Very competitive
Insurance Type
Home
Score by category
Original cost 1 / 5
Customer Support 4 / 5
Coverage 2 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Good rates
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.
Rates
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The rates were better than any other companies.
How does this insurer compare to insurance companies you’ve had in the past?
They were easy to work with and didn't have any issues getting the insurance like in the past
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I feel like it's lacking a little on my expectations. The insurance had previously. I liked a lot more. I feel like they were little bit more up-to-date my current insurance.
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.
The only reason I'm going to be staying is to finish up my quiz and then going to switch the reason I would leave this company as I think other companies are just a better fit for me
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
This company exceeded my expectations. They went above and beyond to make sure i had a good understanding of the way im spending my money with them
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 would stay with them because they have treated me very well. I would consider leaving for a company with a cheaper price and good reputation
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I just found it nice, a lot of people reccomended it to me and i saw an ad for it.
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.
Id stay with it because the cost isnt too much, asnd i would leave if their was one with a good quality but lower price.
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I heard good things about this insurance company from those around me and it was what I could afford at the time.
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.
1. Has full coverage 2. Less affordable than before
Insurance Type
Auto
Score by category
Original cost 2 / 5
Customer Support 2 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
The insurance is really good and up to expectations though the prices are a bit overpriced in my opinion the coverage is amazing.
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 this one mainly through 3/5 since the prices are a bit high
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
More convinced of the price and customer service
How does this insurer compare to insurance companies you’ve had in the past?
It doesn’t compare ; just much hetter
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Written by
Ashlyn Brooks
Writer II, Insurance
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.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute