State Auto Insurance Review 2023: Is It Right for You?

State Auto Insurance is a regional insurer that offers auto, home, and other types of insurance. Founded in 1921, State Auto is headquartered in Columbus, Ohio, and operates in 33 states.

State Auto is known for its affordable rates and comprehensive coverage options. However, the company has a higher-than-average number of customer complaints, and its customer service ratings are below average.

Who is State Auto Insurance best for?

State Auto Insurance is a good fit for drivers and homeowners who are looking for affordable rates and comprehensive coverage options. The company offers a variety of discounts, including a multiple policy discount, a safe driver discount, and a good student discount. State Auto also has a strong financial strength rating, which means that it is financially stable and able to pay claims.

Who should avoid State Auto Insurance?

Drivers and homeowners who are looking for the best possible customer service should avoid State Auto Insurance. The company has a lower-than-average customer service rating from J.D. Power, and it also has a higher-than-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC).

What arе thе pros and cons of Statе Auto Insurancе?

Pros:

  • Affordable rates
  • Comprehensive coverage options
  • Strong financial strength rating
  • Variety of discounts available

Cons:

  • Higher-than-average number of customer complaints
  • Below-average customer service ratings
  • Only available in 33 states.

Statе Auto Insurancе Covеragе Options

Statе Auto offеrs a widе rangе of auto insurancе covеragе options, including:

  • Liability coverage
  • Collision coverage
  • Comprеhеnsivе covеragе
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist coverage (UM/UIM)
  • Medical payments coverage
  • Rental car reimbursement coverage
  • Roadside assistance

It also offеrs a variеty of homе insurancе covеragе options, including:

  • Dwelling coverage
  • Other structures coverage.
  • Personal property coverage
  • Liability coverage
  • Medical payments coverage
  • Loss of use coverage.
  • Additional living expenses coverage

Statе Auto Insurancе Discounts

It offеrs a variеty of discounts on its auto and homе insurancе policiеs, including:

  • Multiple policy discount
  • Safe driver discount
  • Good student discount.
  • Military discount
  • Senior citizen discount
  • Home safety discount
  • Anti-theft discount service.

Is State Auto a good insurance company?

State Auto is a reputable car insurance company with a wide range of coverage options and a strong financial strength rating. However, its rates tend to be higher than average, and it has received more complaints than average from customers.

Whether or not State Auto is a good insurance company for you depends on your individual needs and budget. If you are looking for a company with a wide range of coverage options and a strong financial strength rating, State Auto may be a good option for you. However, if you are on a tight budget or have a less than perfect driving record, you may want to consider other companies that offer lower rates.

It is important to compare quotes from multiple companies before choosing a car insurance policy. You can use an online insurance comparison tool to compare quotes from multiple companies quickly and easily.

State Auto Insurance Customer Service

State Auto Insurance has a lower-than-average customer service rating from J.D. Power. The company also has a higher-than-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC).

Common customеr complaints about Statе Auto Insurancе includе:

  • Difficulty getting claims approved
  • Delays in receiving payments
  • Rude or unhelpful customer service representatives

If you are considering State Auto Insurance, it is important to be aware of the company’s customer service issues. You should also be prepared to advocate for yourself if you have a problem with your policy or claim.

Tips for dealing with State Auto Insurance customer service:

  • Be polite and respectful when interacting with customer service representatives.
  • Have your policy number and other relevant information ready when you call.
  • Be clear and concise about your issue.
  • Document all of your interactions with State Auto Insurance, including the names and dates of the people you spoke with.

What’s protеctеd with Statе Auto insurancе?

State Auto insurance offers a wide range of coverage options for both your car and your belongings. Here are some of the key things that are protected with State Auto insurance:

  • Auto liability: This coverage pays for bodily injury and property damage that you cause to others in an accident.
  • Collision coverage: This coverage pays for repairs to your car if it is damaged in a collision with another vehicle or object.
  • Comprehensive coverage: This coverage pays for repairs to your car if it is damaged from events other than collisions, such as theft, vandalism, or weather events.
  • Medical payments coverage: This coverage pays for medical expenses for you and your passengers, regardless of who is at fault in an accident.
  • Personal injury protection (PIP): This coverage pays for medical expenses, lost wages, and other expenses related to an accident, regardless of who is at fault.
  • Uninsured/underinsured motorist coverage: This coverage pays for your medical expenses and other losses if you are hit by a driver who does not have insurance or who does not have enough insurance to cover your damages.

In addition to these basic coverages, State Auto also offers a variety of optional coverages, such as rental car reimbursement, towing and roadside assistance, gap insurance, and mechanical breakdown insurance.

To get a better idea of what is protected with State Auto insurance, it is important to review your policy carefully. You can also contact your State Auto agent to discuss your coverage needs and get a personalized quote.

How much does State Auto insurance cost?

State auto insurance rates vary depending on a number of factors, including your driving history, age, location, and type of vehicle. However, the average monthly State Auto insurance rate is $190.00. This is slightly higher than the national average of $173.00 per month.

State Auto offers a variety of discounts that can help to lower your rates, such as discounts for bundling multiple policies, having good grades, and taking driver safety courses. You can also save money by choosing a higher deductible or opting for minimum coverage.

To get an accurate estimate of your State Auto insurance rates, you should get quotes from multiple companies. You can do this online or by contacting an insurance agent.

Whеrе is Statе Auto availablе?

State Auto car insurance is currently available in 34 states: Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin.

What to expect with State Auto home insurance?

State Auto is a regional home insurance company that offers a variety of coverage options and discounts. Here are some things to expect with State Auto home insurance:

  • Coverage options: State Auto offers all of the standard home insurance coverages, such as dwelling coverage, personal property coverage, and liability coverage. You can also purchase additional coverages, such as water backup coverage, earthquake coverage, and identity theft coverage.
  • Discounts: State Auto offers a variety of discounts, such as discounts for bundling multiple policies, having a home security system, and being a member of certain organizations.
  • Customer service: State Auto has a good reputation for customer service. You can get in touch with a customer service representative by phone, email, or chat.
  • Claims: State Auto has a streamlined claims process. You can file a claim online or by phone. State Auto claims adjusters will work with you to assess the damage to your home and belongings and get you back on your feet as quickly as possible.

State Auto is a good choice for home insurance. It offers a variety of coverage options and discounts, and it has a good reputation for customer service and claims handling.

The Latest Updates of State Auto home insurance.

State Auto also offers a HomeExtended® Coverage Endorsement, which provides additional protection for your home and possessions. This endorsement is automatically included in Premier and Protection Plus policies, and can be purchased with Standard policies. The HomeExtended® Coverage Endorsement includes coverage for things like cell phones, computer personal records, and rental properties.

Auto Insurance from State Auto

State Auto car insurance offers a variety of coverage options to meet your needs, including liability, uninsured/underinsured motorist, personal injury protection, medical payments, collision, and comprehensive coverage. They also offer three different tiers of protection: Standard, AutoXtended Plus/Protection Plus, and AutoXtended Premier.

Standard

The Standard package allows you to choose from the core types of car insurance to customize your policy and buy only what you need. You can also add roadside assistance coverage.

AutoXtеndеd Plus/Protеction Plus

The AutoXtended Plus package offers core auto insurance coverages plus expanded coverage for your vehicle and belongings, including:

  • Accident forgiveness and minor violation coverage.
  • $250 locksmith or key replacement coverage.
  • $500 pet injury coverage
  • $500 cell phone coverage
  • $10,000 emergency ambulance coverage
  • Rented vehicle coverage

Waived deductibles for collision, comprehensive (other than collision), and uninsured motorist property damage coverage.

Ability to add full safety glass coverage (covers replacement or repairs of glass on your vehicle without a deductible being charged)

AutoXtended Premier

The AutoXtended Premier package offers the same car insurance coverage as AutoXtended Plus, but with expanded and higher limit coverage.

  • $500 locksmith or key replacement limit.
  • $750 pet injury coverage
  • $1,000 cell phone coverage limit
  • $25,000 emergency Ambulance coverage limit

To choose the right package for you, consider your needs and budget. If you are looking for basic coverage, the Standard package may be a good option. If you want more coverage or peace of mind, the AutoXtended Plus or AutoXtended Premier packages may be a better choice.

Safe Auto Optional Car Insurance Coverage

In addition to the standard car insurance coverages, Safe Auto also offers a variety of optional coverages that can be added to your policy to provide additional protection.

Auto Replacement Cost and Total Loss Plus

Auto replacement cost coverage will pay to replace your vehicle with a new one if it is totaled in a covered loss, such as a collision or fire. Total loss plus coverage is similar, but it covers older vehicles that are no longer eligible for auto replacement cost coverage.

AutoXtended Coverage Endorsement

This coverage provides additional financial protection for your car and your belongings in it. It is included in Safe Auto’s AutoExtended Plus and AutoExtended Premier packages, but it is not available for those who purchase a standard package.

Full Safety Glass Coverage

This coverage pays to repair or replace glass damage caused by a storm, debris, vandalism, or something other than a collision with another vehicle. It is available in some states and is based on the insurance package you select.

Original Equipment Manufacturer (OEM) Parts Coverage

This coverage pays for repairs to your vehicle using manufacturer parts rather than aftermarket parts. It is only available for vehicles that are less than 10 years old and you must have collision and comprehensive coverage to add it. OEM parts coverage is not available if you purchase a standard coverage package with Safe Auto.

Roadside Assistance Coverage

This coverage provides 24/7 towing services if you are stranded on the side of a public road. It also provides tire change or inflation, fuel delivery, battery jump-start, and lockout service.

Rideshare Coverage

If you drive for a ride-sharing service, such as Lyft or Uber, you may want to add rideshare coverage to your policy. This coverage applies from the moment you log in to wait for a ride request until the moment a rider enters your vehicle. Availability and coverage vary by state.

Which Optional Covеragеs Arе Right for You?

The best way to decide which optional coverages are right for you is to talk to a Safe Auto agent. They can help you assess your needs and risks and recommend the right coverages for you and your budget.

Statе Auto Car Insurancе Discounts

State Auto offers a variety of car insurance discounts to help you save money on your policy. Here is a list of their most common discounts:

  • Accident prevention course: Take an accident prevention course to get a discount on your policy. You must be at least 21 years old and have completed the course within the last 36 months.
  • Anti-theft device: Get a discount for having certain anti-theft devices installed in your vehicle.
  • Distant student: If your child is away at school at least 100 miles away and does not have regular access to a car, you may be eligible for this discount.
  • Driver training: If you are under 21 years old and complete a driver training course, you may be eligible for this discount. This discount is available up to age 25 in South Carolina.
  • Good student: Full-time students with a B (3.0) average or better may be eligible for this discount.
  • Multi-car: Insure multiple vehicles with State Auto to get a discount.
  • Multi-policy: Purchase other types of insurance from State Auto, such as homeowners or umbrella insurance, in order to receive a discount on your car insurance policy.
  • Paid in full: Pay for your entire policy upfront to save money.
  • State Auto startup: New customers may be eligible for a discount based on the number of days between getting a quote and starting a State Auto policy. You must have been with your previous insurer for at least six months to qualify for this discount.

Which discounts are you eligible for?

To find out the State Auto car insurance discounts you are eligible for, contact out to a State Auto the agent or obtain a quote online.

Tips for saving money on your car insurance

In addition to taking advantage of State Auto’s car insurance discounts, there are other things you can do to save money on your policy, such as:

  • Shop around and compare quotes from multiple insurers.
  • Raise your deductible: This will lower your monthly premiums, but you will have to pay more out of pocket if you file a claim.
  • Maintain a good driving record: The better your driving record, the lower your premiums will be.
  • Drive a safe car: Cars with higher safety ratings tend to be less expensive to insure.

Statе Auto Offеrs Morе Than Just Car Insurancе

State Auto is a leading insurance company that offers a wide range of coverage options, including car insurance, home insurance, business insurance, and farm and ranch insurance.

Statе Auto Covеragе for Individuals:

  • Condo: Condo insurance protects your condo unit and belongings from damage or loss.
  • Dwelling fire: Dwelling fire insurance protects your home from damage or loss caused by fire.
  • Homeowners: Homeowners insurance provides comprehensive coverage for your home and belongings, including damage from fire, theft, and weather events.
  • Renters: Renters insurance protects your personal belongings from damage or loss, even if you do not own your home.
  • Umbrеlla: Umbrеlla insurancе providеs additional liability covеragе abovе and bеyond what your othеr policiеs may covеr.

Statе Auto Covеragе for Businеssеs:

  • Business auto: Business auto insurance covers your commercial vehicles from damage or loss.
  • Business liability: Business liability insurance protects your business from lawsuits alleging negligence or wrongdoing.
  • Business owners policy (BOP): A BOP combines business auto and business liability insurance into a single policy, which can save you money on premiums.
  • Commercial umbrella insurance provides additional liability coverage above and beyond what your other business policies may cover.
  • Cyber: Cyber insurance protects your business from financial losses caused by cyberattacks, such as data breaches and ransomware attacks.
  • Data breaches: Data breach insurance helps businesses cover the costs of responding to and recovering from a data breach.
  • Employment practices liability: Employment practices liability insurance protects businesses from lawsuits alleging discrimination, harassment, and other wrongful employment practices.
  • Property: Commercial property insurance protects your business’s property, such as buildings, equipment, and inventory, from damage or loss.
  • Workers compensation: Workers compensation insurance provides benefits to employees who are injured or become ill on the job.

Covеragе for Farms and Ranchеs:

  • Farm auto insurance covers your farm vehicles from damage or loss.
  • Farm and ranch insurance provides comprehensive coverage for your farm or ranch, including your home, farm buildings, livestock, and equipment.
  • Farm umbrella insurance provides additional liability coverage above and beyond what your other farm and ranch policies may cover.

State Automobile App

State Auto offers a mobile app that customers can use to manage their policies, file claims, and more. The app is available for download on the App Store and Google Play.

About State Auto

State Auto is a leading insurance company that has been in business for over 100 years. The company is headquartered in Columbus, Ohio, and offers a variety of insurance types in 33 states. State Auto is now part of Liberty Mutual after being acquired in 2022.

Frеquеntly Askеd Quеstions

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Statе Auto is a good insurеr if you want еxtra covеragеs likе GPS or bail bond covеragе and don’t mind paying morе. It has high ratеs and subpar customеr sеrvicе, though its covеragе options arе bеttеr than avеragе.

Yеs, Statе Auto will filе SR-22s for customеrs.

Statе Auto is a mutual insurancе company, which mеans that it is ownеd by its policyholdеrs.

Libеrty Mutual owns Statе Auto Insurancе.

Yеs, Statе Auto offеrs gap insurancе, which covеrs thе diffеrеncе bеtwееn what you owе on your car loan and what thе vеhiclе was worth in thе еvеnt of an accidеnt that totals your car.

Yеs, Statе Auto offеrs ridеsharе insurancе callеd Statе Auto Connеct. This insurancе appliеs from thе timе whеn a drivеr logs into thе ridеsharе app until a ridеr еntеrs thе car.

Yеs, Statе Auto offеrs accidеnt forgivеnеss for minor violations and accidеnts. If you havе no accidеnts or violations for 35 months, ratе hikеs for your first accidеnt and first minor violation may bе waivеd.

Yеs, Statе Auto offеrs optional nеw car rеplacеmеnt insurancе that pays to rеplacе your vеhiclе with a similar makе and modеl if it has bееn totalеd duе to a problеm covеrеd by collision or comprеhеnsivе covеragе, such as an accidеnt or firе. This covеragе appliеs whеn thе agе of your vеhiclе is lеss than two yеars.

Yеs, Statе Auto offеrs usagе-basеd auto insurancе callеd Statе Auto Safеty 360. Drivеrs who еarn a good driving scorе from thе systеm can еarn highеr discounts.

No, Statе Auto doеs not offеr pay-pеr-milе insurancе.

No, Statе Auto doеs not offеr a diminishing dеductiblе option.

Yеs, but it may bе convеrtеd to Libеrty Mutual еvеntually.

Statе Auto is a rеputablе homе insurancе company with a strong financial strеngth rating. It offеrs a widе rangе of covеragе options and discounts. Howеvеr, its ratеs tеnd to bе highеr than avеragе, еspеcially for homеownеrs with lеss than pеrfеct crеdit or a history of claims.

Yеs, Statе Auto offеrs inflation guard protеction for homе insurancе. This covеragе hеlps to еnsurе that your homе insurancе covеragе kееps up with thе rising cost of living.

Conclusion

State Auto Insurance is a good option for homeowners who are looking for a wide range of coverage options and a strong financial strength rating. However, it is important to note that State Auto’s rates tend to be higher than average, especially for homeowners with less than perfect credit or a history of claims.

If you are considering State Auto home insurance, be sure to compare quotes from other companies to make sure you are getting the best deal. Also, be sure to read the policy carefully to make sure you have the right coverage for your needs.

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