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State Auto Insurance Review 2022

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State Auto Insurance 2022 - A Review

Dissatisfied with insurance rates that were too high and claim settlements that were not handled fairly, Robert Pein established a new insurance company, State Auto, in 1921. Since then, State Auto has grown in size and now sells policies in 33 states. Expected to be taken over by Liberty Mutual in 2022, State Auto Insurance offers auto, home and several other types of insurance policies. Unfortunately, State Auto Insurance does not provide quotes online. Instead, you have to speak to an independent agent to obtain car insurance quotes from State Auto.

State Auto Insurance - Pros & Cons

Pros Cons
Plenty of offers on most insurance products State Auto Insurance is not available nationwide
Home insurance buyers have had little to no complaints with State Auto Young drivers likely to find it an expensive car insurance option
Multiple policy discounts  

State Auto Insurance customer satisfaction rating

State Auto matches many of the most popular savings and coverage options, but it lacks a variety of unique possibilities. If you have specific coverage need or believe you may get a better deal elsewhere (for example, if you're in the military and can buy from USAA), it's worth shopping around before committing to State Auto Insurance.

Customers who want great pricing and exceptional customer care but don't want to do everything online can consider State Auto’s car insurance. Having a one-on-one relationship with a local independent agent intimately knowledgeable with your area's regulations and insurance requirements is a major benefit of choosing State Auto for your auto insurance. Customer service at State Auto Insurance has been frequently acclaimed. Given the company's emphasis on cultivating personal relationships between independent agents and customers, this is unsurprising. In addition, State Auto receives fewer complaints than its competitors, as far as home insurance is concerned. However, its car insurance products have been receiving a fair share of complaints lately.

In terms of financial stability, State Auto Insurance is strong. State Auto has a solid financial ability to satisfy the financial needs of paying out client claims.

While your experience with an independent insurance agent may vary, State Auto Insurance customer service consistently receives great ratings. When interacting with State Auto, you should have reasonable confidence that you will be treated with respect. State Auto also provides most of the basic customer service features that big insurers provide, such as online invoicing and account access, a mobile app, and 24-hour roadside assistance.

Customers who like to speak with a person as little as possible to manage their auto insurance should look into other carriers first. Many key policy-related actions, such as filing a claim, amending your policy, or terminating your coverage entirely, are only available through your agent.

State Auto Insurance is an old-fashioned company in many ways. Its only way to buy insurance is through an independent insurance agent who lives and works in your region. That person will handle the majority of your interactions with the firm, not the company's website. This is a big positive for people who seek close contact with an insurance agent. If you ever question your policy or need to file a claim, the person on the other end of the telephone will be familiar with your name and policy details. And this framework translates to excellent customer service. The firm consistently ranks first in claims service and consumer interaction.

This makes State Auto insurance one of the best car insurance companies going around. The major disadvantage of State Auto Insurance is that it isn't available everywhere. The company now serves only 33 states.

State Auto Insurance Car Insurance Rates

Your auto insurance premium is influenced by several factors such as gender, age, zip code, credit score, driving record, and the sort of automobile you drive. Speak with a local agent about your requirements and how they may impact your premiums.

Since State Auto’s basic coverage policy rates vary from state to state, it’s best to speak to a local agent to find the best rates. Alternatively, you could click on one of the banners here, enter your zip code and get a quote in under 10 minutes!

State Auto offers three levels of auto insurance coverage options for customers. They are Standard, Protection Plus and Premier. All three levels include the basic coverage required in each state, including liability, medical payments, uninsured motorist liability, and comprehensive and collision insurance. Additionally, by opting for State Auto’s Protection Plus or Premier plans, you could add optional coverages that aren’t available with the standard car insurance policy. These add-on coverages include full safety glass coverage, roadside assistance, accident forgiveness, OEM parts coverage, ridesharing insurance and total loss coverage.

With the AutoXtended Plus and AutoXtened Premier plans, you could add full safety glass coverage that covers your car’s windshield, windows and safety glass on the headlights in the event of an accident or theft. OEM parts coverage lets you purchase original parts for repairs if your vehicle is under 10 years old. Rideshare insurance provides coverage if you plan on using your vehicle for ridesharing with companies like Uber and Lyft.

State Auto car insurance rates by coverage

State Auto provides standard insurance coverage for personal automobiles, which includes the following:

Liability coverage: For property damage and bodily injury covers the personal injuries or property damage caused by another driver when you are at fault in an accident.

Collision insurance: Covers the expense of repairing your vehicle after being involved in an accident with another vehicle or an object.

Comprehensive insurance: Comprehensive insurance will protect your car from damage caused by causes other than a collision, such as fire, theft, vandalism, or animals.

Medical payments: Pays for your medical bills if you are harmed in an accident.

Uninsured and underinsured motorist coverage: This protects you if the opposing party in an accident does not have enough insurance to cover your costs.

You can supplement your State Auto car insurance with roadside assistance, rideshare insurance, accident forgiveness, total loss coverage and several other add-on coverage options.

State Auto car insurance discounts

You can save even more if you are eligible for one of State Auto Insurance discounts for:

Multi-policy: By getting an umbrella policy for your home, you can get access to discounts on auto insurance

Accident prevention course: If you are 21 years old or above, you could enrol for an accident prevention course and get discounts upon completing it.

State Auto Start-Up: Get discounts by renewing your policy at least 8 days before it expires

Good student: Full-time students with at least a B (3.0) average can get discounts on your auto insurance.

Multi-car discount: You could get attractive discounts by including two or more vehicles on the same policy.

Anti-theft device: By securing your car with an anti-theft device.

State Auto home insurance coverage

State Auto Insurance provides home insurance products based on the amount of coverage desired:

Standard features may include ID fraud expenses if you’ve been a victim of identity theft, and replacement cost value, which compensates for replacing damaged or stolen items. Protection Plus package contains lock replacement coverage that pays for the replacement of locks if your keys are lost or stolen. It may also include coverage for the contents in your freezer, which provides a cover of up to $1,000 for contents lost due to a power outage or breakdown.

Golf cart rental coverage compensates for damage or injuries caused by a golf cart rental. The HomeXtended endorsement, which is only available via State Auto's home insurance packages, provides additional coverage for your home and valuables. Cell phone coverage pays up to $500 to replace or repair your phone.

State Auto home insurance discounts

Depending on where you reside, you may be eligible for a discount if you have:

Security systems such as burglar and fire alarms.

Fortified house that can withstand hurricanes, hail, and other harsh weather.

A newly built home.

Obtain a house insurance quote at least eight days before your policy is due to expire to become eligible for further discounts. Having an umbrella or auto insurance policy from State Auto in addition to your home insurance could also make you eligible for discounts.


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