State Auto Insurance Review

State Auto Insurance Review

The combination of competitive rates and above-average customer service makes State Auto a good insurance company that should be considered.

Good for

  • Cheap auto insurance rates for experienced drivers
  • Low rate of complaints

Bad for

  • Expensive car insurance for young drivers
  • Not available to West Coast residents

Editor's Rating

4.0/5.0

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.

Rating Agency

Rating
NAIC Complaint Ratio0.36
A.M. Best Financial Strength RatingA-

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.

Comparing State Auto car insurance costs by driver profile.

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.

DiscountWho qualifies?
Accident-prevention courseDrivers 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 devicesThose with vehicles that are equipped with anti-theft devices such as passive disabling devices
Good studentFull-time students who have at least a 3.0 GPA
Multi-policyThose who have at least two lines of insurance with State Auto, such as homeowners or umbrella
Multi-carDrivers who insure multiple vehicles with State Auto
Paid in fullPaying the full amount owed for your policy at the start of its term
State Auto Start-UpGet 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.

Coverages

DescriptionStandardProtection PlusPremier
Roadside AssistanceState Auto's roadside assistance covers towing, delivery of fuel, tire changes, battery jumps and lockout services (up to $100).XXX
Full Safety GlassDeductible is waived on repairs for vehicle glass and lightsXX
OEM PartsHaving 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.XX
Auto Replacement Cost Total Loss PlusFor 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.XX

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.

Benefit

Autoxtended PlusAutoxtended Premier
Waiving of Collision deductibleIncluded with no specific limitIncluded 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
Note This is not a comprehensive list of all of the coverages that accompany these packages.

Comments and Questions