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Jerry Data & Research
State Auto Car Insurance Review(Oct 2024)
State Auto Car Insurance Review
(Oct 2024)
In a study of real insurance policyholders’ experiences, the Jerry research team ranked State Auto 9th overall compared to companies of a similar size.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Comprehensive State Auto Car Insurance Review
- So, is State Auto a good insurance company?
- State Auto car insurance reviews
- State Auto pros and cons
- Is State Auto the right insurance company for you?
- Is State Auto car insurance expensive?
- Find real State Auto car insurance quotes
- Will State Auto raise your rates?
- Does State Auto resolve claims fast?
- Does State Auto have good customer service?
- State Auto car insurance discounts
- State Auto coverage options
- State Auto’s additional tools and services
- Compare State Auto quotes by driver profile
- FAQs
- Read all State Auto car insurance reviews
- Methodology
- Meet Our Experts
Load full table of contents
Comprehensive State Auto Car Insurance Review
State Auto Insurance, based in Columbus, Ohio, is one of the more well-known auto insurance companies in the US—and according to verified first-hand reviews, a top insurance provider. In a study of real insurance policyholders’ experiences, the
Jerry
research team ranked State Auto 9th overall compared to companies of a similar size. Below is a visualization of how our current State Auto customers ranked their experience:
4.3
71 Reviews
5 Stars
61.97%
4 Stars
14.08%
3 Stars
16.9%
2 Stars
5.63%
1 Star
1.41%
So, is State Auto a good insurance company?
Yes, State Auto is a strong insurance provider with mainly positive reviews from customers. As of 2023, State Auto is a part of Liberty Mutual, and operates in 33 out of 50 states.
In analyzing over 5,000 customer reviews for State Auto, we discovered that 81.25% of customers had a positive experience, while only 4.17% provided negative feedback.
These numbers are better in both categories compared to the national average of 64% for positive reviews, and 18.54% for negative reviews.
The good: Most of the positive reviews from State Auto policyholders discussed their cost savings programs and coverage options. Other mentions included:
The other side: On the other hand, State Auto customers also provided negative responses, mainly based on high car insurance rates and limited availability across states.
In addition, we asked State Auto policyholders to rate State Auto based on customer satisfaction, financial strength, claims experience, and renewal processes.
Here’s how State Auto’s ratings did against the national average for all companies surveyed:
| Criteria | State Auto's Rating | Industry Average |
|---|---|---|
Overall | 4.5 | 4.1 |
Cost / Price | 4.3 | 3.8 |
Claim Experience | 3.4 | 3.5 |
Customer Service | 4.4 | 4 |
Renewal Experience | 4.4 | 4 |
When assessing State Auto’s strengths and weaknesses, we also took a look at other industry leaders and how they ranked against State Auto. Combining these results with our own survey data from real motorists, we can see just how State Auto compares to the top score possible:
Critera | State Auto | Score Out Of |
|---|---|---|
BBB Rating | A+ | A+ |
NAIC Rating | 4.34 | 6 |
Clearsurance | 3.44 | 5 |
A.M. Best Rating | A- | A++ |
IOS App Store Rating | 4.3 | 5 |
Google Play Store Rating | 2.8 | 5 |
Please note* that a greater NAIC score indicates increased risk.
State Auto car insurance reviews
We didn’t only ask real insurance policyholders to rate State Auto by the numbers—we also wanted to hear what they had to say! Take a look at some real reviews from State Auto insurance policy customers below:
State Auto pros and cons
To determine the pros and cons of State Auto, we used the data gathered from our national insurance customer satisfaction survey, as well as public third-party ratings. These are the top mentions for each category when buying insurance coverage with State Auto:
ProsEasy online claims process
Different levels of insurance protection
Tons of additional coverage options
Most drivers can find lower rates with discounts
ConsMany drivers complained of higher costs
Some drivers experienced poor customer service
Is State Auto the right insurance company for you?
State Auto car insurance coverage is generally best suited for:
- Drivers looking tobundle auto and homeowners insurance
- Drivers needing customizable, basic, or full coverage
- New and seasoned drivers
- Drivers with families
That being said, State Auto also provides savings programs and discounts for teen and young drivers. However, it’s best to keep in mind that not all motorists in these outlined categories will find the best rates with State Auto.
State Auto doesn’t just supply customers with car insurance—they also provide home insurance, farming insurance, business insurance, and more! The State Auto Support chat is available for customers 24/7, however responses will only occur during business hours.
Click on the buttons below to further breakdown our analysis of State Auto’s offers, costs, and insurance products:
Is State Auto car insurance expensive?
Some State Auto customers found that in comparison to other insurance providers, State Auto’s auto insurance rates were often more expensive. However, most reviews did praise State Auto on their wide-range of discounts, which can help to offset the initial insurance quote and premium pricing.
Our survey results found that 24% of State Auto policyholder reviews mentioned cost. Out of those reviews, 95% were positive, while only 5% provided negative feedback.
After further examination, we concluded that while State Auto does come with a higher price point, most customers choose to opt in for the extra protection and customizable options that aren’t widely available with other insurance providers.
When compared to companies of a similar size, State Auto was ranked 9th for overall cost. Using a 5.0 rating scale, State Auto received a 4.31 for insurance premium costs, placing them higher than the national average of 3.81.
Here’s how State Auto’s complete cost ranked compared to other companies in our study:
| State Auto Policy Cost Rating | Ranking | Industry Average |
|---|---|---|
4.3 | 11 | 3.8 |
Keep in mind: Since car rates are highly individualized, each driver’s quote will be different due to several factors. At State Auto insurance companies,
insurance premiums are calculated
based on:While each state does allow insurance companies to have different rating factors when determining auto insurance coverage, there are general cost trends across states.
State Auto cost reviews
Take a look at how real Jerry users rated State Auto based on cost:
Find real State Auto car insurance quotes
Jerry
does more than compare quotes—we can also help narrow your focus and find you real State Auto car insurance quotes
, for free! Jerry is backed by a team of 100+ licensed independent agents who can help you decide if State Auto fits your profile and insurance needs. We’ve already helped millions of drivers
compare car insurance rates
from State Auto and 55+ other insurance providers, so why not give it a try?| Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|
$80 | Chad, 49 Liberty, SC | Toyota Corolla XSE | • State Minimum Liability |
$183 | Brett, 37 Slovan, PA | Hyundai Veracruz GLS | • 50,000/100,000 Liability • Comp / Collision |
$107 | Bradley, 54 Fort Collins, CO | Ford Freestyle SE | • State Minimum Liability • Comp / Collision |
$161 | Michael, 37 | Nissan Altima 2.5 | • 50,000/100,000 Liability • Comp / Collision |
$186 | Ella, 37 Vale, NC | Nissan Armada SV | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 30, 2024Will State Auto raise your rates?
As with most insurance providers, State Auto can only raise your insurance rates when your policy is
up for renewal
. Some reasons your rate might increase include:
- New address
- New vehicle on policy
- Additional drivers on policy
- Recent or new accidents
- Recent traffic violations or tickets
- Inflation
According to the results from our survey, over half of State Auto policyholders chose to renew. But it’s important to remember that insurance providers often change the way they structure their pricing, and as a result, fluctuation can be expected, even though there may be no changes to your driving profile.
Does State Auto resolve claims fast?
While State Auto doesn’t explicitly state how long it will take to complete a
car insurance claim
, they do provide step-by-step assistance to help customers through the claims process. State Auto insurance policyholders can
submit a claim
through the company website by providing the required information. Once a claim is filed, State Auto will gather and review the details, determine the damage done to your vehicle, and issue a repair payment if necessary. Our survey results show that over half of our respondents have filed a claim with State Auto. These same customers rated State Auto’s claims process a 3.42/5, which is just slightly below the national average of 3.54. This tells us that despite the easy to follow online guide, some customers were dissatisfied with State Auto’s claims process and/or resolution times.
| State Auto Claims Resolution Rating | Ranking | Industry Average |
|---|---|---|
3.4 | 9 | 3.5 |
As a result, we ranked State Auto as 9th overall when compared to insurance providers of a similar size.
State Auto claims reviews
Here are some real customer reviews highlighting their experience with State Auto’s claims process:
Here's what our survey respondents had to say about their satisfaction with State Auto's claims process:
Does State Auto have good customer service?
Yes, State Auto has above average customer service rates.
Most survey respondents gave State Auto’s customer service a rating of 4.41/5. Compared to the national average of 3.9, it’s clear that policyholders are satisfied with their customer service experience.
| State Auto Customer Service Rating | Ranking | Industry Average |
|---|---|---|
4.4 | 9 | 4 |
Typical reviews included mention of fast response times, informative conversations with representatives, and friendly service.
Bonus: The National Association of Insurance Commissioners (NAIC) found a similar picture when looking at State Auto’s complaint index for 2022. State Auto customers had a lower-than-average rate of complaints compared to other insurance providers.
State Auto customer service reviews
On average, this is how our survey participants rated State Auto’s customer service:
State Auto car insurance discounts
One of State Auto’s most attractive features is their array of
car insurance discounts
, which help customers save on higher insurance premiums. Discounts State Auto customers receive will vary depending on factors like their driver profile and experience. Some companies offer car insurance discounts for good driving habits, high student grades, low milage, or bundling services.
Some common discounts State Auto offers policyholders are:
- State Auto Safety 360®: Drivers with a clean record who are enrolled in State Auto Safety 360® may save up to 50% on their auto insurance renewal. As an added bonus, customers get a 10% discount just for participation.
- Multi-policy: Bundling home, dwelling fire, or umbrella insurance with your auto insurance policy can save drivers up to 14%.
- Accident prevention: For drivers who are 21 and over and can prove they attended an accident prevention course in the last 36 months.
- State Auto start-up: The discounts for this option vary based on the days that have passed since your policy was quoted and how long you were with your prior insurance provider.
- Paid in full: State Auto offers discounts to drivers who pay their entire policy in full.
- Driver training: Drivers under the age of 21 get discounts for attending drivers education courses. For those in South Carolina, the age limit extends to 25.
- Anti-theft device: By installing an anti-theft device on their vehicle, motorists can continue to save with State Auto.
- Good student: For students who maintain a 3.0 average (B) or higher.
- Multi-car: For drivers with two or more vehicles on the same policy. This also includes motor homes, registered golf carts, and off-road vehicles.
Keep in mind: Discounts offered by State Auto may change over time—either with new discounts being added, or removed. To make sure you’re up-to-date on the latest State Auto car insurance discounts, visit their website or contact an insurance agent.
State Auto coverage options
Car insurance coverage limits and options will change depending on your driver needs and state regulations. Note that as of 2023, State Auto will no longer be offering new auto insurance or homeowner policies, and most policies will transition to Safeco.
As such, these are some of State Auto’s
common types of car insurance
offerings for existing customers: Liability insurance
: Provides bodily injury liability
and property damage liability
coverage if the policyholder is at-fault in an accident.Medical payments (MedPay)
: Provides coverage for all medical bills for the driver and others in the vehicle during an accident. This policy is grouped with personal injury protection
. Uninsured/underinsured motorist
: Coverage for any bodily injuries or (sometimes) property damage resulting from a hit-and-run, driver with no insurance, or a driver who is underinsured. Collision coverage
: Covers damage sustained in an accident.Other than collision coverage: A type of
comprehensive coverage
that covers damage done to your vehicle caused by theft, vandalism, strong weather conditions, and more. Umbrella insurance: Coverage expands to personal property including auto and homeowner insurance, managing any legal charges, damages, or bodily injuries you may sustain.
Full glass safety coverage: Glass coverage that helps to pay the damage repair costs to your windshield caused by events other than accidents (storms, falling objects, etc.)
Accident forgiveness and minor violation: Provides support in fender benders, rolling through a stop sign, or other moving violations.
Transportation network (ridesharing) coverage: Additional coverage for rideshare drivers.
Roadside assistance
: Provides 24/7 towing services for broken down vehicles.Original equipment manufacturer (OEM) parts coverage: Vehicle models under 10 years old can be fixed using OEM parts, and State Auto will cover the cost. This option, however, is not available under State Auto’s Standard policy.
Auto replacement cost (total loss plus): Available only for cars in 2 model years of the policy date. Provides coverage for vehicles that are considered a total loss after an accident for an added premium.
State Auto’s additional tools and services
Alongside multiple coverage options, add-ons, and discounts, State Auto also offers numerous tools and services to help enhance the customer experience. Here are some of their most discussed features:
- State Auto Safety 360®: This feature was mentioned earlier, but in addition to giving drivers discounts, State Auto Safety 360® is a telematics tool that reports your driving history via the mobile app and a paired tag.
- AutoXtended® coverage endorsement: This additional coverage option comes in two variations—AutoXtended Plus and AutoXtended Premier—and protects your possessions within your vehicle. Note that this option is not available under State Auto’s Standard policy.
- Mobile app: State Auto also hasa mobile appthat allows customers to review their policy, make a payment, submit/manage/track a claim, and get information on current coverage options.
- Bundle and save programs: State Auto customers can bundle their auto and home insurance to save on their policy. This also includes renters insurance and condo insurance.
- Online claims filing: Drivers can file, manage, and track their claims through the State Auto website or mobile app.
- Online payment center: Need to pay your insurance bill? State Auto provides a simple login portal that allows customers to complete payments in a few simple steps.
- Full safety glass coverage: This zero-deductible coverage for glass damage not caused by a collision is available with Protection Plus and Premier Auto plans.
Remember, these tools and services can change depending on your location and policy type. For more concise and specific information about State Auto offerings in your area, check out their official website, or contact their customer service center.
Compare State Auto quotes by driver profile
To show you just how real State Auto quotes change based on driver profile and history, we created a comprehensive table outlining different driver ages, infractions, and more:
State Auto quotes for teens and seniors
Alvin (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$108
per month
Max (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$103
per month
Jennie (24 years old)
$370
per month
Senior drivers
, however, generally pay lower insurance rates. Maud (74 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$69
per month
Olivia (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Edenton, NC$99
per month
Madge (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$371
per month
State Auto quotes for drivers with violations
Car insurance for high-risk drivers
is generally more expensive due to outstanding DUIs, reckless driving charges, or more minor infractions. See below how your rates could increase with State Auto as a high-risk driver.Speeding tickets are more common than you think, but can still rack up your insurance bill. Here are some real customer rates that State Auto drivers found using Jerry.
| Accident Type | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | $209 | Jessie, 30 Zip: 28273 | Honda Civic SI | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | $139 | Hettie, 30 Zip: 29588 | Ford Explorer Sport Trac XLT | • State Minimum Liability • Comp / Collision |
Speeding 11-15 | $163 | Christopher, 34 Zip: 21244 | Lincoln Town CAR Executive | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | $168 | Lettie, 36 Zip: 64064 | Mitsubishi Galant ES Medium | • 100,000/300,000 Liability • Comp / Collision |
Speeding 21+ | $165 | Helen, 56 Zip: 21835 | Lexus ES 350 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 30, 2024DUIs can also raise your overall insurance rates, even if you’re with one of the best car insurance companies!
Connor (58 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$74
per month
Dean (33 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$125
per month
Bernard (38 years old)
$69
per month
After an at-fault accident, your insurance premiums can rise upon renewal—even with State Auto.
| Accident Type | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | $137 | Kathryn, 29 Zip: 28390 | Honda Civic EX | • State Minimum Liability • Comp / Collision |
At Fault With Injury | $95 | Gordon, 69 Zip: 52732 | Lexus RX 330 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | $186 | Fannie, 37 Zip: 28168 | Nissan Armada SV | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | $163 | Elsie, 25 Zip: 27707 | Hyundai Elantra SE | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | $126 | Sallie, 43 Zip: 28301 | Dodge Journey SE | • State Minimum Liability • Comp / Collision |
Last Updated Oct 28, 2024All of these violations can significantly affect your auto insurance rates, but they’re not the only ones.
Last Updated Oct 28, 2024FAQs
How good is State Auto at paying claims?
State Auto doesn’t disclose their estimated timeline on their website, but our survey participants ranked the claims process with State Auto just under the national average of 3.9.
Does State Auto have good reviews?
Yes. State Auto scored an overall rating of 4.5 on our consumer survey of over 5,000 real State Auto insurance policyholders. They also got an A+ rating from the BBB and a 0.76 NAIC complaint index. State Auto no longer participates in the AM Best financial strength rating system, but its parent company, Liberty Mutual, has an AM Best rating of “A” (Excellent).
Does State Auto insurance go up after 6 months?
As with most insurance providers, if you have a 6-month policy, you may see an increase when you renew with State Auto based upon current pricing options, your driver profile, and more.
Who is better: State Farm or State Auto?
State Farm is considered to be a great option for high-risk drivers, teen drivers, and drivers with unique needs. State Auto is generally better for homeowners, senior drivers, and families. However, it’s key to remember that all insurance quotes and locations are unique, and the best way to find the right company for you is to compare quotes and offerings.
How is State Auto insurance so cheap?
While State Auto insurance is considered higher in cost compared to their competitors, the discounts and bundling services they offer help customers lower their premiums even more, adding to savings!
What company owns State Auto Insurance?
As of 2023, Liberty Mutual owns State Auto.
Where is State Auto insurance available?
State Auto serves policyholders in 33 states: Alaska, Alabama, Arkansas, Arizona, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming.
Read all State Auto car insurance reviews
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.