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Stillwater Car Insurance Review

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At Stillwater Insurance, you can get low-cost coverage for your car, house, renters', and condo insurance. They offer a variety of policy add-ons that allow you to customise your coverage.

Pros and Cons

Pros Cons
Multiple discount opportunities Easily customizable policies
Third-party ratings are lacking Slightly higher premiums

Stillwater Auto Insurance Coverages

Stillwater's auto insurance options include the following:

Basic Coverage Options

  • Liability coverage - If you cause damage to another vehicle, person, or piece of property as a result of your negligence, you are covered under your liability insurance. Most states have minimum liability coverage requirements.
  • Collision coverage - This coverage pays for damages to your vehicle if it is involved in an accident with another vehicle.
  • Comprehensive coverage - This option covers damage caused by theft, vandalism, weather, or a collision with an animal like a deer. "Other than collision" coverage is commonly referred to as comprehensive coverage.
  • Personal injury protection (PIP) - Medical expenses for you and your passengers following an accident are covered by personal injury protection (PIP). In some states, it is required.

Extra Coverage Options

  • Rental car insurance - In the event that your vehicle is unable to be driven due to a covered loss, this optional coverage will cover the cost of a rental car.
  • Roadside assistance - Towing, jump starts, locksmiths, and tyre changes are just some of the services covered by roadside assistance.

To understand more, check out types of auto insurance coverage in the US.

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Stillwater Auto Insurance Rates

Stillwater Car Insurance Rates By State

State Average Annual Premium
Oregon $3,250
Wyoming $3,800
Missouri $3,050
Minnesota $2,090
Utah $3,160
Illinois $2,260
Arkansas $4,350
Arizona $3,410
Nebraska $2,480
Tennessee $4,645
Rhode Island $3,500
Texas $5,190
Ohio $1,350
Washington $2,195
Wisconsin $2,550
Idaho $1,350
Virginia $3,050
Indiana $2,345
South Carolina $5,215
Kansas $4,425
Connecticut $4,175
California $3,460

Stillwater Auto Insurance Discounts

Discount Type Discount %
Good Driver Varies
Anti-Theft Device Varies
Good Student Varies
Accident Free Varies
Multiple Policy Varies
Multiple Vehicle Varies
Paid in full Varies
Paperless documents Varies
Anti-lock Brake Varies
Passive Restraint Varies

Stillwater Complaints and Customer Satisfaction

Insurers in Stillwater have not been rated by third-party rating services such as JD Power, Consumers Advocate, or TrustPilot. A- (Excellent) rating from AM Best, one of the industry's most respected credit rating agencies, indicates Stillwater's strong financial position and ability to pay out claims to its customers.

When compared to the National Association of Insurance Commissioners' (NAIC) Index of Customer Complaints, Stillwater's rating is 2.88. The higher the NAIC number, the more complaints a company has received compared to its industry peers. Stillwater provides satisfactory customer services.

Way Summary

If you have poor credit or lapses in your policies, it is not uncommon to have difficulty finding affordable insurance. In its short time in the insurance industry, Stillwater has become a household name for being an understated insurer that provides all the necessary coverage options at a reasonable price.

Benefits and rates may vary from location to location, but the policies are available across the United States. The downside is that Stillwater may not be the best option if you're looking for extensive coverage.

Personal liability coverage is not included in their standard property insurance policy (although it can be purchased as an optional coverage), and personal property coverage excludes computers from the policy.

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About Stillwater Car Insurance

When it comes to protecting your most priceless possessions, you should exercise caution when selecting an insurance provider. The services provided by some newcomers in the property and casualty insurance industry are comparable to those of more established companies.

A subsidiary of Fidelity National Financial (FNF) based in Jacksonville, Florida, Stillwater Insurance Group (SIG) is one of them. Renamed Stillwater Insurance Group in 2016 after several acquisitions, the FNF P&C division was founded as Fidelity National Property and Casualty Insurance Group in 2000.

Stillwater Insurance Group consists of Stillwater Insurance Company, Stillwater Insurance Services, Inc., and Stillwater Property and Casualty Insurance Company, with offices in Florida, Nebraska, and California. Whether you're looking for auto or home insurance, this company has you covered across the country.

Contact Details

Customer Service: Auto, Home, Umbrella

Hours: M-F: 8am - 9pm EST
           Sat: 8am - 3pm EST

Phone: (855) 712-4092



Report a Claim: 24 hours a day / 7 days a week - (800) 220-1351

General Inquiries: (800) 220-1351

Emergency Roadside Assistance: (877) 507-6114
Code 23324, Plan DV16A

Mailing Address

Correspondence and Payments

PO Box 45126

Jacksonville, FL 32232-5126


General - (866) 877-6355

Claims - (800) 491-7683

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

Is Stillwater a reputable insurance company?

Yes, Stillwater is overall a good insurance company with an A+ rating from the BBB. They offer multiple coverages, and many discounts, and their claims process is simple and fast.

What is a Stillwater policy?

Stillwater Insurance Group provides peace of mind and security when you're looking to protect your auto, home, rental properties, business or other assets.

How do I cancel my Stillwater insurance?

You may call customer service Toll Free at 1-855-712-4092 or send the request by fax to Accounting at 1-904-997-7543 or by email to

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