State Auto Insurance Review [2024]

State Auto insurance has over 100 years of service under its belt, and now that it has partnered with Liberty Mutual, the company can leverage the additional visibility to acquire more customers. Although there are some convenient benefits available, State Auto insurance isn’t for everyone.

State Auto is not for the safe drivers that are in search of a deal, and its benefits may not be appealing at all to bargain hunters. If you like to save paper by going paperless, State Auto is not a company that will reward you for your environmentally-conscious decisions.

Despite everything that it is now, State Auto has a stack of benefits that some lucky auto insurance policy hunter will find and fall in love with.

What You Should Know About State Auto Insurance Companies

Since 1921, State Auto insurance, formerly known as State Automobile Mutual Insurance Company, has been committed to providing fair settlements and auto insurance policies at fair prices. Since State Auto insuranceopened its doors over 100 years ago, there have been several enhancements made to the company.

For example, Liberty Mutual, the sixth-largest auto insurance company in the United States, just acquired State Auto insurance. That means the State Auto insurance the world fell in love with can combine forces with one of the biggest, most recognized names in car insurance to maximize what they can offer to customers.

State Auto Insurance Companies Insurance Coverage Options

According to a report from the Insurance Research Council (IRC), one in eight drivers on the road is driving without insurance. You don’t have to be one of them. State Auto insurance provides its policyholders with three degrees of protection to choose from — Standard, Protection Plus, and Premier.

Standard Coverage

This coverage plan is customizable, and it only sees to the auto insurance basics, including roadside assistance.

AutoXtended Plus (Protection Plus)

This is a premium auto insurance plan that offers coverage such as accidental forgiveness and minor violation coverage, rented vehicle coverage, $10,000 emergency ambulance coverage, and $250 locksmith/key replacement. In addition, members can receive $500 in cell phone coverage, $500 in pet coverage, and the ability to add Full Safety Glass coverage to their plan.

AutoXtended Premiere (Premier)

This premier package provides the driver with the most coverage options. It comes with everything already included in the AutoXtended Plus plan, except it contains $1,000 cell phone coverage, $25,000 emergency ambulance, $500 locksmith/key replacement services, and $750 pet coverage.

State Auto Insurance Companies Insurance Rates Breakdown

While some policyholders in select states can agree that State Auto is cost-effective, many of its consumers have cited its high prices as one of the main reasons they are not satisfied with the company. If affordability is a must-have for you, State Auto may or may not be a good choice.

State Auto Insurance Companies Discounts Available

One of the most important things insurance seekers looking for in a company is how affordable their plans are. To soothe the souls of frugal auto insurance hunters everywhere, State Auto insurance has a list of discounts available for its members to take advantage of:

• State Auto Safety 360. Members can earn an instant 10% discount simply for joining and save up to 50% off their auto renewal premium.
• Accident prevention course. Members who are 21 and over can participate in an accident prevention course for a discount on their auto insurance policy.
• State Auto sign-on. This discount is available for members that make the switch to State Auto if they held a policy with their previous insurance company for at least six months.
• Paid-in-full. Members that are interested in paying their entire policy in advance can earn a discount.
• Driver training. Drivers that are 21-years-old and younger (up to 25-years-old in South Carolina) may take a driver training course to receive a discount.
• Anti-theft device. Members that have additional security features added to their vehicle may be eligible for a discount.
• Good student discount. If you are a full-time student and have at least a B (3.0) average, the company will provide you with a discount for your outstanding grades.
• Multi-Car. If you include two or more vehicles on the same policy, you can get a discount.

With so many discounts available, State Auto members are bound to save something on their auto rate.

State Auto Insurance Savings

According to the Insurance Information Institute, the average auto insurance cost in the United States is $1,056. State Auto insurance has a couple of savings programs available that can help bring down auto insurance costs.

Unlike most auto insurance companies, State Auto does not have all of your typical discount programs. The company does not offer paperless discounts, nor do they have a safe driving program in place. Due to its lack of safe driving programs, safe drivers may want to consider an alternate auto insurance provider.

State Auto Insurance and Third-Party Data

If you are a stickler about who has access to your personal information, it’s important for you to have an idea of how State auto insurance and its subsidiaries operate. Since it is a third-party company, State Auto must share your information with Liberty Mutual and any other affiliates to confirm your eligibility.

If you are interested in finding an insurance company that protects your most sensitive data from outside sources, it might be best to go with an insurance company that is not offered through a third-party company but is instead provided directly.

State Auto Insurance Overview

State Auto insurance has over 100 years of service under its belt, and now that it has partnered with Liberty Mutual, the company can leverage the additional visibility to acquire more customers. Although there are some convenient benefits available, State Auto insurance isn’t for everyone. State Auto is not for the safe drivers that are in search of a deal, and its benefits may not be appealing at all to bargain hunters. If you like to save paper by going paperless, State Auto is not a company that will reward you for your environmentally-conscious decisions.

Despite everything that it is now, State Auto has a stack of benefits that some lucky auto insurance policy hunter will find and fall in love with.

Are you looking for more options like State Auto car insurance? Before continuing to shop for insurance rates, enter your ZIP code to receive a free insurance quote today.

How State Auto Insurance Companies Ranks Among Providers

Understanding how a provider measures up against industry standards is crucial for informed decision-making. State Auto Insurance emerges as a noteworthy player, fortified by a commendable A- rating for financial strength from A.M. Best and an A+ rating for customer satisfaction from the Better Business Bureau.

Financial Strength and Customer Satisfaction: State Auto Insurance stands strong with an A- rating from A.M. Best for financial strength, attesting to its robust financial standing. The A+ rating from the Better Business Bureau reflects high levels of customer satisfaction.

Industry Recognition: Forbes has acknowledged State Auto Insurance as one of America’s best insurance companies, highlighting its positive reputation within the insurance industry.

Complaint Index: The National Association of Insurance Commissioners (NAIC) rates State Auto with a Complaint Index of 2.69, indicating a complaint level slightly above the national average. Prospective customers may want to weigh this factor when considering the company.

Strategic Partnership: With a service history spanning over a century, State Auto Insurance has recently joined forces with Liberty Mutual, the sixth-largest auto insurance company in the U.S. This partnership enhances State Auto’s visibility and provides an opportunity to expand its customer base.

While State Auto Insurance offers convenient benefits, such as customizable coverage plans, it may not be the optimal choice for safe drivers seeking discounts. Potential customers should carefully assess their priorities and preferences to determine if State Auto aligns with their insurance needs.

State Auto Insurance Ratings and Reviews

State Auto received an A- rating from A.M. Best for financial strength, and the Better Business Bureau (BBB) provided State Auto with an A+ rating. State Auto was also recognized by Forbes as one of America’s best insurance companies. The National Association of Insurance Commissioners (NAIC) rated State Auto a 2.69 Complaint Index. Given the national average is 1, this indicates that the complaint levels are a little bit higher than average.