State Auto is an insurance company that offers many unique add-on coverages, but at high rates and with mediocre service. Read more to see how this insurer compares to its competitors and what discounts are available at State Auto.
State Auto car insurance rates and discounts
We found that State Auto charges higher auto insurance rates than most competitors. In fact, for our 25-year-old and 30-year-old driver profiles, State Auto's rates were more than double those of State Farm, the cheapest insurer. However, State Auto offered good quotes to teen drivers, charging more than 29% less than Progressive or Allstate.
Find Cheap Auto Insurance Quotes in Your Area
We recommend comparing quotes from multiple companies before you purchase car insurance from State Auto.
State Auto car insurance discounts
State Auto's other car insurance discounts are mostly in line 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.
Highlighted 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 depends on your previous insurer and how long you were with them.
Drivers who are over 21 years old and have taken an accident-prevention course within the last three years.
Those with vehicles that are equipped with anti-theft devices such as passive disabling devices.
Driver training (driver’s education)
Drivers under the age of 21 who have taken a driver’s education course.
Full-time students who have at least a 3.0 GPA.
Those who have at least two lines of insurance with State Auto, such as homeowners or umbrella.
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 also offers discounts through State Auto Safety 360, its usage-based telematics program. Policyholders install a tag device and mobile app, which monitors and scores their driving behavior based on factors like mileage, acceleration, braking, cornering and speed. The better your performance, the higher your discount. You also get a 10% discount just for participating.
However, we do not recommend State Auto Safety 360. While the maximum discount of 50% is higher than what most other insurers offer, policyholders run the risk of surcharges, as State Auto may raise rates for poor driving performance. Policyholders also rate the State Auto Safety 360 app poorly, with Apple users giving it a 1.8 out of 5 and Android users giving it a slightly higher score of 2.9 out of 5. Other telematics programs offer a better user experience.
State Auto Insurance agents and payments
State Auto Insurance is based in Ohio and offers a variety of insurance products for individuals, businesses, farms and ranches. The company sells its products primarily through independent agents.
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 choice to add optional coverages that aren't available to those who purchase the Standard car insurance package.
|Roadside assistance||Covers towing, fuel delivery, tire changes, battery jumps and lockout services (up to $100).|
|Full safety glass||Deductible is waived on repairs for vehicle glass and lights.|
|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.|
|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.|
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 rise 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 complementary additions to the standard car insurance offerings. Standout features include injury-related coverage like emergency travel and total disability coverage, as well as protections for your pet and personal property stored in your car.
There are two Autoxtended Endorsement packages: Autoxtended Plus and Autoxtended Premier. Below, we break down the key coverages and limits included in these packages.
|Cell phone||Actual cash value, $500 maximum||Replacement cost, $1,000 maximum|
Note: This is not a comprehensive list of all of the coverages that accompany these packages.
State Auto Insurance customer service reviews and ratings
State Auto has a mixed customer service reputation. The seven policyholders who filed complaints with the National Association of Insurance Commissioners (NAIC) reported issues like surcharges on their policies, as well as delays and unsatisfactory claims offers.
According to the NAIC, State Auto has a 2.69 Complaint Index. This puts State Auto well above the national median of 1.00, though the high number is likely due at least in part to the insurer's size.
|NAIC Complaint Index||2.69|
|AM Best Financial Strength Rating||A- (Excellent)|
NAIC Complaint Index is for State Auto Property & Casualty Association, the company's largest subsidiary.
However, 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 AM Best for its financial strength.
Frequently asked questions
What company owns State Auto Insurance?
Liberty Mutual owns State Auto Insurance. The acquisition was finalized in July 2021.
Can I still buy State Auto Insurance?
You may be able to buy an insurance policy from State Auto, but it will eventually be converted to Liberty Mutual. All State Auto customers will eventually be moved to Liberty Mutual.
Is State Auto a good insurer?
We weren't impressed with State Auto. It has high rates and subpar customer service, though its coverage options are better than average.
We pulled quotes across the state of Illinois for an 18-year-old male driver, a 25-year-old male driver and a 30-year-old male driver. All drivers had clean records, average credit and put 12,000 miles each year on the 2015 Honda Civic EX they own. In addition to state minimum liability insurance, they purchased collision and comprehensive insurance with a $500 deductible.