Find the Cheapest Auto Insurance Quotes in Your Area
State Auto Insurance Customer Service Reviews and Ratings
Drivers can expect to get somewhat average customer service with State Auto, as indicated by moderately positive consumer reviews and by its low number of complaints.
In the most recent year that data was available, State Auto received only one complaint, according to the National Association of Insurance Commissioners (NAIC). This puts State Auto's complaint ratio at 0.36—well below the national median of 1.00—indicating that its customers typically don't have issues with their insurer.
State Auto's customer reviews have been generally positive, with consistently above-average ratings—customers have praised the company for its low rates. However, some policyholders report difficulties when filing claims with State Auto, citing occasional challenges with its claims department. Ultimately, the client reviews—when also considering the low number of complaints registered with the NAIC—indicate that State Auto Insurance has a reputation for good customer service.
Additionally, State Auto customers do not have to worry about their insurer's ability to pay out for insurance claims, as it has received excellent ratings from A.M. Best for its financial strength.
|NAIC Complaint Ratio||0.36|
|A.M. Best Financial Strength Rating||A-|
State Auto Car Insurance Rates and Discounts
Most drivers can expect cheap car insurance rates with State Auto; however, young drivers will likely receive much higher quotes from State Auto than what other insurers will offer. For drivers who were 35 and 25 years old, we found that State Auto's car insurance rates were cheap compared to its competitors—at 31% and 10% below the average, respectively. Conversely, for our 18-year-old sample driver, State Auto's rates were 35% more expensive than the average.
State Auto Car Insurance Discounts
State Auto's car insurance discounts are mostly inline with what is typically offered by other insurers. These include discounts for being a good student, insuring multiple cars and for paying in full at the start of your policy.
|Accident-prevention course||Drivers who are over 21 years old and have taken an accident-prevention course within the last three years|
|Driver training (drivers education)||Drivers under the age of 21 who have taken a driver’s education course|
|Anti-theft devices||Those with vehicles that are equipped with anti-theft devices such as passive disabling devices|
|Good student||Full-time students who have at least a 3.0 GPA|
|Multi-policy||Those who have at least two lines of insurance with State Auto, such as homeowners or umbrella|
|Multi-car||Drivers who insure multiple vehicles with State Auto|
|Paid in full||Paying the full amount owed for your policy at the start of its term|
|State Auto Start-Up||Get a quote from State Auto at least eight days before the policy is scheduled to start|
|State Auto Safety 360℠||This program involves plugging a device into your car that tracks your driving habits and rewards you with discounted premiums for safe driving|
Highlight Discount: State Auto Start-Up
One of the more unique discounts that State Auto offers is its Start-Up discount. This incentivizes prospective customers—who are currently insured—to switch to State Auto before their existing auto insurance policy expires. The size of this discount will depend on your previous insurer and how long you were with them.
State Auto Insurance Agents and Payments
State Auto Insurance is based out of Ohio and offers a variety of insurance products for individuals, businesses, farms and ranches. The company sells its products primarily through independent agents across 33 states—located mostly in the Midwest and eastern U.S. Its core insurance products for individuals include auto, home and personal umbrella insurance. You can use State Auto's agent locator tool to find a local car insurance agent near you.
State Auto provides its customers with a number of ways to make their insurance payments. Drivers with State Auto car insurance can pay their bills online or over the phone. Note that to pay your bill you will have to provide your insurance policy number, which can be found on your State Auto ID card.
State Auto's Car Insurance Policies
Though the available options may vary by state, State Auto typically offers three levels of Auto Insurance coverage to its customers: Standard, Protection Plus and Premier. All coverage levels include the standard auto insurance coverages, such as liability, medical payments, uninsured motorist liability and comprehensive and collision insurance. Drivers who are interested in more than just the typical coverages should consider State Auto's Protection Plus and Premier offerings. Choosing one of these levels of coverage will give you the option to add optional coverages, which aren't available to those who purchase the Standard car insurance package.
|Roadside Assistance||State Auto's roadside assistance covers towing, delivery of fuel, tire changes, battery jumps and lockout services (up to $100).||X||X||X|
|Full Safety Glass||Deductible is waived on repairs for vehicle glass and lights||X||X|
|OEM Parts||Having this coverage will insure that only OEM parts—as opposed to potentially lower-quality aftermarket parts—will be used when your car is repaired as a result of a covered loss.||X||X|
|Auto Replacement Cost Total Loss Plus||For cars that are two model years or newer from the start date of the policy, this coverage will pay to replace your vehicle if it is totaled—even if this amount exceeds its actual cash value. This coverage is similar to what other insurers call gap insurance.||X||X|
The Protection Plus and Premier insurance packages both automatically include the Minor Violation Forgiveness and Accident Forgiveness Benefit. With these coverages, State Auto customers who qualify—by not having any violations or at-fault accidents within the last 35 months—will not see their rates raised after their first traffic violation or at-fault accident. This benefit can potentially save you a lot on your auto insurance, as being convicted of a minor traffic violation can cause a 14% increase in auto insurance costs.
Highlight Coverage: Autoxtended® Endorsement Package
The Autoxtended® Endorsement—a benefit that is included for State Auto customers who purchase Protection Plus or Premier coverage—includes a number of additional coverages that can be a complementary addition to the standard car insurance offerings. There are two Autoxtended® Endorsement packages: Autoxtended Plus and Autoxtended Premier. Below, we break down the key coverages included in these packages.
|Autoxtended Plus||Autoxtended Premier|
|Waiving of Collision deductible||Included with no specific limit||Included with no specific limit|
|Customizing equipment (e.g., alloy wheels, roll bars or custom decals) coverage||$1,500||$1,500|
|Personal effects coverage||$250||$500|
|Locksmith or key replacement||$250||$500|