State Auto Insurance Review 2021
State auto insurance was founded in 1921 and was then called the State Mutual Automobile Insurance Company. Now, 100 years later, the regional carrier writes auto insurance premiums in 33 states, is valued at over $ 2 billion, and has total assets of over $ 4.6 billion. State Auto writes a variety of policies, ranging from auto and homeowners to tenant and farm product policies. While the main head office operates out of Columbus, Ohio, there are other offices for State Auto located in the Midwest, Tennessee, and Texas.
State auto insurance
State Auto offers auto insurance under three different types of plans: Standard, Protection Plus, and AutoXtended Premier. Each plan includes a different level of coverage and allows you to customize your auto insurance policies.
The Standard plan allows you to customize a policy based only on the coverages you request. The Protection Plus plan and the AutoXtended Plus plan each offer a few additional extras in addition to the coverages you select. For example, with the Protection Plus plan, you receive $ 500 in pet coverage and accident remission.
The AutoXtended Premier plan offers the same number of coverages, but increases the limits, such as $ 750 in pet coverage and $ 1,000 in cell phone coverage.
Types of coverage
- Medical Payments and Injury Protection
- Uninsured / underinsured motorist
- Collision and global
- Full safety glass cover
- Accident forgiveness
- Road assistance
- AutoXtended coverage rider
- Original Equipment Manufacturer (OEM) Parts Coverage
- Automatic replacement cost
Cost of state auto insurance
The average cost of State Auto auto insurance for a minimum coverage policy is $ 601 per year. A full coverage policy costs an average of $ 2,000 per year. For the prospect, the national average for a full coverage policy is $ 1,674, based on premiums provided by Quadrant Information Services.
Auto insurance rates vary widely depending on the state you live in and other personal factors, such as driving history, vehicle and kilometers driven, age, and sometimes gender and rating. credit (depending on where you live). Your exact quote may be higher or lower than the stated averages.
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|$ 601||$ 2,000|
- State Auto Safety 360 telematics program
- Driver training
- Anti-theft device
- Accident prevention course
- Good student
- Auto start state
- Fully paid
State auto home insurance
Like auto insurance, State Auto offers home insurance that comes in three different package types: Standard, Protection Plus, and Premier.
The Standard plan is the most basic personalized policy, but with the Protection Plus plan, you receive additional coverages for owners, including lock replacement, freezer contents, and golf cart rental protection. The Premier further expands the boundaries of coverage and includes coverage for high value items such as art, jewelry, silverware, and collectibles.
Types of coverage
- Standard HO3 policy and housing covers
- Personal property coverage
- Home Extended Coverage Rider
- House sharing
- Protection of domestic systems
- Identify fraud expenses
- Prescription or law coverage
- Personal injury
- Personal property schedule
- Service line
- Water saving
- Preliminary estimate
- Previous carrier
- Fortified house
- Protection devices
- Roof construction
- New construction
State Auto Ratings, Reviews, Customer Satisfaction, and Complaints
State Auto currently has an excellent AM Best rating of A- for its financial strength, which means the company should be able to pay claims. AM Best ratings measure the financial strength of an insurer based on various factors involving credit and financial metrics.
State Auto is not included in the JD Power poll rankings. However, customer service ratings include positive ratings for overall customer satisfaction and complaints handling. There are currently eight complaints against the auto insurance portion registered with the NAIC, mostly related to additional charges on consumer claims.
Reasons why state auto insurance is a good option
If you live in a location where state auto insurance offers a policy, this can be an affordable option worth exploring, including minimum coverage policies. The company has a long history of offering a variety of insurance policies to its customers and enjoys an excellent rating with AM Best, which indicates the financial strength of the company.
If you prefer the individual aspect of working with an agent, then State Auto may be worth considering just for that reason. Currently, you can get quotes, purchase policies, and make changes to existing policies through a local agent.
Also, if you’re looking for an operator to buy multiple policies from, such as owners, cars, and businesses, State Auto has multiple products. Buying multiple policies from a single carrier can save you time and earn additional discounts.
Additional policies offered by State Auto
State Auto policies are generally grouped into three different categories: automobile, owners, and farm. Within these categories, there are a variety of types of policies.
- House fire
- Business ownership
- Company car
- Business owners policy
- Commercial umbrella
- Risk engineering
- Workers compensation
- Cyber coverage
- Farm and ranch
- Automotive farm
- Farm umbrella
Frequently Asked Questions
How do I get a quote from State Auto?
With State Auto, you go through a local agent to get a quote. To find the name of someone to work with in your area, simply go online to the carrier’s website and enter your zip code to find a licensed insurance agent.
Is State Auto licensed in all states?
No, currently State Auto writes policies in 33 states. If you are trying to find out if policies are written in your area, you should work with a local agent to verify coverage.
Does State Auto offer a discount for safe driving?
Yes, for potential additional savings, drivers can enroll in the State Auto Safety 360 telematics program. By placing a tag on your vehicle’s windshield and connecting via Bluetooth to the app, you save 10% in simply registering. According to the State Auto website, your potential savings based on good driving habits can be up to 50% on your auto policy.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, a good credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.
These are sample rates and should be used for comparison purposes only. Your quotes may be different.