State Auto Insurance Review 2024

State Auto Insurance Review

State Auto Insurance Review State Auto provides car insurance policy packages with attractive benefits such as pet injury coverage, although its premiums are generally higher, especially for drivers with less than perfect driving histories. Choosing the right auto insurance company is an important decision for any driver. With so many options available, it can be overwhelming to find the best coverage at the most affordable price.

Outlines Of Guide

State Auto Insurance Review 2024

State Auto Insurance is a well-established insurance provider that has been serving customers for many years. With a wide range of coverage options and competitive rates, State Auto Insurance offers a comprehensive solution for auto insurance needs.

Pros & Cons

Pros

  • Offers accident and minor traffic violation forgiveness.
  • Offers coverage packages that include benefits such as cell phone coverage, pet injury coverage and emergency ambulance coverage.
  • Lyft and Uber drivers can obtain rideshare insurance with State Auto.

Cons

  • Car insurance costs are on the high side, particularly for drivers with issues on their records, like an accident or DUI.
  • Only available in 33 states.
  • Has a higher-than-average level of complaints made about its auto insurance to state insurance departments.

About State Auto

State Auto, originally known as State Automobile Mutual Insurance Co., has been operating for more than a century since its establishment in 1921.

State Auto Insurance Last Record

Based in Columbus, Ohio, the company provides a range of insurance products across 33 states, encompassing auto, home, business, farm, and ranch insurance.

State Auto Insurance Maintaining

Following its acquisition by Liberty Mutual in 2022, State Auto is maintaining its existing coverage options and customer service.

State Auto Car Insurance Costs

The cost of auto insurance from State Auto varies depending on various factors, such as the driver’s age, driving history, and location. Additionally, the type of coverage selected can also impact the premium. To get an accurate estimate of your car insurance costs with State Auto, it is recommended to get a personalized quote based on your specific circumstances. You can do this by visiting their website or contacting one of their representatives.

State Auto car insurance cost comparison in Ohio

When it comes to comparing car insurance costs in Ohio, State Auto is one of the options available.

State Auto car Insurance Important Factors

The cost of State Auto car insurance may vary depending on factors such as the driver’s age, driving record, and the type of vehicle that needs coverage.

How much State Auto car insurance will cost you?

To get an accurate idea of how much State Auto car insurance will cost you, it’s best to get a personalized quote based on your specific circumstances.

Getting the best deal possible For You

Additionally, it is advisable to compare quotes from different insurance providers to ensure you’re getting the best deal possible.

Average annual car insurance cost By Car Company

Car insurance company Average annual car insurance cost
USAA $759
Geico $853
Travelers $874
Nationwide $905
Progressive $1,016
Auto-Owners $1,054
State Auto $1,061
Farmers $1,250
Allstate $1,971
State Farm $2,139

State Auto car insurance cost comparison in Pennsylvania

When compared to other companies analyzed, State Auto is found to have higher rates in Pennsylvania.

Rates Progressive

However, their rates are still lower than those offered by Progressive.

Important Insurance Rates Note

It is important to note that insurance rates can vary based on several factors such as age, driving history, and location.

Is it good idea to compare quotes?

Therefore, it’s always a good idea to compare quotes from multiple insurers before making a decision.

Average annual car insurance cost By Car Company

Car insurance company Average annual car insurance cost
Travelers $1,916
Nationwide $2,593
Auto-Owners $2,657
Geico $2,997
State Farm $2,034
State Auto $3,037
Progressive $3,098
USAA $3,175
Allstate $6,342

State Auto car insurance cost comparison in Texas

When comparing State Auto car insurance costs in Texas, there are several factors to consider, including coverage options, deductibles, and discounts.

State Auto Coverage Options

State Auto offers a range of coverage options such as liability, collision, and comprehensive coverage.

State Auto car insurance Amount

The cost of your car insurance will depend on the amount of coverage you choose and your driving history.

Taxes To Find The Best Rates

It is advisable to research and compare different car insurance providers in Texas to find the best rates and coverage that meet your needs.

Average annual car insurance cost By Car Company

Car insurance company Average annual car insurance cost
USAA $1,853
Geico $1,861
Nationwide $1,897
State Auto $2,756
Allstate $3,173

Auto Insurance from State Auto

State Auto offers a range of car insurance policies that include the following types of coverage: liability, collision, comprehensive, personal injury protection (PIP), and uninsured/underinsured motorist coverage.

Liability coverage

Liability coverage is mandatory in most states and covers damages that you may cause to another person or their property while driving.

Collision coverage

Collision coverage pays for damages to your vehicle if it collides with another car or object.

Comprehensive coverage

Comprehensive coverage provides protection against theft, vandalism, weather-related damage, and other non-collision incidents.

Medical Expenses

PIP covers medical expenses and lost wages resulting from a car accident, while uninsured/underinsured motorist coverage provides protection if you are involved in an accident with someone who has inadequate insurance coverage.

Liability insurance

Liability auto insurance protects against medical expenses and property damage resulting from your involvement in a car accident. It also covers legal expenses and defense costs in the event of a lawsuit stemming from the accident.

Uninsured/Underinsured Motorists

Uninsured motorist coverage for bodily injury will cover medical expenses for you and your passengers if you are hit by a driver without liability car insurance or with insufficient liability insurance (underinsured motorist). Uninsured motorist property damage will cover damages to your car if it is hit by an uninsured driver.

Personal injury protection (PIP)

Personal injury protection (PIP) pays for medical expenses for you and your passengers in the event of an auto accident, regardless of fault. It also includes coverage for lost wages and replacement services for activities you are unable to do because of your injuries, such as childcare.

Medical payments (MedPay)

Medical payments insurance covers the medical expenses of you and your passengers, irrespective of fault in the accident. Typically, MedPay provides limited coverage, such as $1,000 or $5,000.

Collision coverage

Collision car insurance covers the cost of repairing your vehicle after an auto accident, regardless of who is at fault. It also provides coverage for damage caused by hitting objects such as poles or fences.

Comprehensive coverage

State Auto organizes its car insurance options into three levels of protection, and comprehensive coverage includes payment for theft and non-collision damage like vandalism, fire, falling objects, animal strikes, and storm damage.

Standard

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

AutoXtended Plus/Protection Plus

State Auto’s AutoXtended Plus package provides essential auto insurance protections along with extended coverage for your car and personal property, such as:

  • 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

State Auto’s AutoXtended Premier package provides coverage for your primary car insurance, incorporating all the advantages of AutoXtended Plus along with broader, increased limit coverages.

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

Auto-Owners Car Insurance Review 2024

American Family Car Insurance Review

Nationwide Car Insurance Review

Root Car Insurance Review

AAA Car Insurance Review

Other Types of Safe Auto Insurance

In addition to its standard car insurance policies, Safe Auto offers several optional types of coverage to further protect you and your vehicle.

Collision coverage

These include collision coverage, which provides financial protection in the event of an accident with another car or object; comprehensive coverage, which covers damage caused by non-collision incidents such as theft, vandalism, and natural disasters; and personal injury protection (PIP), which covers medical expenses for you and your passengers in the event of an accident. Additionally, Safe Auto offers uninsured motorist coverage, which protects you if you are in an accident with a driver who does not have insurance.

Auto replacement cost and total loss plus

Auto replacement cost coverage will pay for a new car if your newer vehicle (within the last two model years) is totaled in a covered incident, like a fire. “Total loss plus” coverage is similar, but for vehicles that no longer qualify for auto replacement coverage.

AutoXtended coverage endorsement

AutoXtended coverage is automatically included in Safe Auto’s AutoExtended Plus and AutoExtended Premier packages, providing extra financial protection for your vehicle and belongings inside it. This coverage is not available for those purchasing a standard package.

Full safety glass coverage

Comprehensive glass coverage covers the cost of repairing or replacing damaged glass without requiring a deductible, in cases such as damage from storms, debris, vandalism, or non-collision incidents. This coverage is subject to availability based on the chosen insurance package and may vary by state.

Original equipment manufacturer (OEM) parts coverage

If your car is under 10 years old, OEM parts coverage will cover the cost of repairs using manufacturer parts instead of aftermarket parts. You need collision and comprehensive coverage to include this. OEM parts coverage is not an option if you opt for a standard coverage package with State Auto.

Roadside assistance coverage

This elective coverage provides around-the-clock towing services in case you find yourself stuck on the shoulder of a public road. State Auto’s roadside assistance coverage also includes these services:

  • Tire change or inflation
  • Delivery of fuel, oil or water for the vehicle
  • Battery jump–start
  • Lockout service (up to $100)

Rideshare coverage

If you work for Lyft, Uber, or a comparable service, you might consider including ridesharing coverage, also referred to as transportation network coverage.

State Auto’s Rideshare Coverage Availability

State Auto’s rideshare coverage is effective from the moment you log in and wait for a ride request until a passenger gets into your vehicle. The availability and coverage differ by state.

Does State Auto Offer Accident Forgiveness?

Certainly! State Auto provides insurance for minor violations and accidents with forgiveness. If you remain free of violations and accidents for 35 consecutive months, the rate increases for your first minor violation and accident may be waived.

Does State Auto Offer Premier Policy Packages Ot Not?

This forgiveness option is exclusively offered to customers with the new Auto Xtended Plus or AutoXtended Premier policy packages. Please note that accident forgiveness may not be accessible in all states and is not included in State Auto’s standard car insurance package.

Does State Auto Offer New Car Replacement?

Certainly, State Auto provides an optional insurance policy called new car replacement insurance, which covers the cost of replacing your vehicle with a similar make and model if it is totaled due to a covered issue under collision or comprehensive coverage, such as an accident or fire.

What is the Auto Replacement Cost by State Auto?

This coverage, known as Auto Replacement Cost by State Auto, is applicable to vehicles less than two years old. Once the vehicle is over two years old, the coverage may transition to “Total Loss Plus” coverage, which will either pay 120% of the actual cash value of the vehicle or replace the totaled vehicle with a newer model of the same make and model.

Does State Auto Offer Gap Insurance?

State Auto provides gap insurance, which pays for the disparity between your car loan balance and the vehicle’s value if your car is totaled in an accident. Gap insurance is also known as auto loan/lease coverage.

Does State Auto Offer a Diminishing Deductible?

State Auto does not provide a diminishing deductible option. Some insurance companies do offer this feature, which lowers collision and comprehensive deductibles over time for individuals with a clean driving record for a specific period.

Does State Auto Offer SR-22s?

State Auto will submit SR-22 forms on behalf of its customers. This form serves as evidence that the customer maintains at least the minimum required car insurance as mandated by the state. Typically, individuals with a DUI conviction, multiple driving offenses, or those caught driving without insurance are required by states to have SR-22 insurance.

Does State Auto Offer Usage-Based Insurance?

State Auto provides a usage-based auto insurance program known as State Auto Safety 360, which utilizes a mobile app and tracker tag to monitor driving habits. Upon signing up, drivers receive an initial discount, and those with a favorable driving score can qualify for additional discounts. The system assesses various factors to determine the driving score.

  • Distance. Lower mileage is better.
  • Smoothness. Measures speed, rapid acceleration, hard braking and driving behavior that suggests tailgating.
  • Time of day. Higher score for avoiding trips during rush hour during the week and 12 a.m. to 5 a.m. on weekends.
  • Roads. Highway driving is rewarded, as is driving on low-congestion roads and during good weather.

Does State Auto Offer Pay-Per-Mile Insurance?

State Auto does not provide pay-per-mile car insurance. Other auto insurance companies have programs that charge a monthly base amount along with a per-mile rate. These policies are designed for drivers who do not drive many miles.

Does State Auto Offer Rideshare Insurance?

YState Auto provides a rideshare insurance called State Auto Connect, which is designed to cover the gaps between a rideshare driver’s personal auto insurance and the insurance provided by the rideshare company. It offers coverage from the moment the driver logs into the rideshare app until a rider enters the car, but it does not cover delivery service drivers, such as those working for Uber Eats.

State Auto’s Car Insurance Discounts

State Auto provides car insurance discounts to help drivers save money on their premiums. Some of the discounts they offer include safe driver discounts, anti-theft device discounts, multi-car discounts, and good student discounts. They also provide a discount for policyholders who pay in full upfront rather than making monthly payments. In addition to these standard discounts, State Auto offers a range of unique and customizable options to meet their customers’ specific needs.

  • Accident prevention course. To qualify you must be at least 21 and hold a certificate of attendance for an accident prevention course within the last 36 months.
  • Anti-theft device. You may be eligible for this discount if your vehicle is equipped with certain anti-theft equipment.
  • Distant student. For customers who have a child away at school at least 100 miles away without regular access to a car.
  • Driver training. If you’re under 21, you can get a discount for completing a driver training course. (This is available up to age 25 in South Carolina).
  • Good student. This discount applies to full-time students with a B (3.0) average or better.
  • Multi-car. For customers who insure multiple vehicles with State Auto.
  • Multi-policy. You can qualify for a discount by buying other types of insurance from State Auto, such as homeowners or umbrella insurance.
  • Paid in full. Get savings if you pay for your entire policy in one payment upfront.
  • State Auto start-up. This is for new customers based on the number of days between getting a quote and starting a State Auto policy. You must have been with your prior insurer for at least six months to get this discount.

Auto Insurance Complaints Against State Auto

State Auto receives more auto insurance complaints than many major insurers, according to complaints reported to state insurance departments nationwide. State Auto’s complaint levels exceed the industry average, with the most common issues being unsatisfactory claim settlements, claim delays, and surcharges.

State Auto’s Grade for Collision Repair

CRASH Network surveyed collision repair professionals and gave State Auto a C+ grade. The survey reflects the views of auto body experts on insurers’ use of lower-quality repair parts, encouragement of recommended repair procedures, and the efficiency of claims processes.

Other Types of Insurance from State Auto

State Auto provides coverage for individuals in addition to car insurance.

  • Condo
  • Dwelling fire
  • Homeowners
  • Renters
  • Umbrella

Insurance for businesses:

  • Business auto
  • Business liability
  • Business owners policy
  • Commercial umbrella
  • Cyber
  • Data breaches
  • Employment practices liability
  • Property
  • Workers compensation

Insurance for farms and ranches:

  • Farm auto
  • Farm and ranch
  • Farm umbrella

State Auto’s Mobile App

State Auto offers a mobile app that customers can use to:

  • View car insurance ID cards
  • Review policy documents
  • File and track an accident claim
  • Update personal information
  • Pay a car insurance bill
  • View billing history and future payment schedule
  • Chat with State Auto, contact your agent or find your claims adjuster
  • Contact roadside assistance or file a glass claim (if you have these as part of your policy)

State Auto Insurance Reviews 2024 By Users

In this State Auto Insurance Review 2024, we’ll take a closer look at State Auto Insurance and what they have to offer. Whether you’re a new driver or just looking to switch providers, this review will give you the information you need to make an informed decision. So let’s dive in and see if State Auto Insurance is the right fit for you.

Safe Auto Insurance Customers Service Response

Customers can expect excellent customer service and prompt claims processing, ensuring that they are taken care of in the event of an accident or other covered incident.

State Auto Insurance Policyholders

State Auto Insurance also offers additional coverage options such as roadside assistance and rental car reimbursement, providing added peace of mind for policyholders.

State Auto Insurance Overall Performance

Overall, State Auto Insurance is a reliable choice for individuals looking for quality auto insurance coverage.

Methodology

We utilized information from Quadrant Information Services, a company that offers insurance data and analytics. The rates were calculated for a 40-year-old woman with a clean driving record who is insuring a new Toyota RAV4. The insurance includes $100,000 in bodily injury liability coverage per person, $300,000 per accident, $100,000 in property damage liability (referred to as 100/300/100), uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.

State Auto Insurance Benefit In auto insurance Market

By reading this review, you now have a better understanding of what State Auto Insurance has to offer and how it can benefit you.

State Auto Insurance Quotes

If you’re in the market for auto insurance, consider getting a quote from State Auto Insurance to see why they are trusted by so many drivers. Protect yourself and your vehicle with State Auto Insurance today.

Summary

State Auto Insurance offers comprehensive coverage options and excellent customer service, making it a top choice for drivers looking for reliable auto insurance. With a range of policy choices tailored to meet individual needs, State Auto Insurance ensures that you have the protection you need on the road.

Frequently Asked Questions

How can you get a quote from State Auto?

You need to contact an independent agent to get a State Auto quote or buy a policy.

How do you file a State Auto claim?

You can file a claim through the State Auto website.

Does State Auto have an app?

State Auto does not have an app where you can manage your policy or pay bills. It does have an app, Safety 360°, that tracks your driving behavior.

What state has the strictest auto insurance laws?

Overall Rank (1=Strictest) State Average Increase in Cost of Insurance Rank (% increase)
1 Arizona 44 (48.78%)
2 Alaska 3 (89.35%)
3 Georgia 18 (62.18%)
4 West Virginia 6 (71.52%)

Is state auto being bought out?

State Auto has been acquired by Liberty Mutual Insurance through a mutual transaction and merger. While we’re thrilled to join Liberty Mutual, for the time being we’ll continue to operate as State Auto with our same brand, products, systems, Customer Service team and staff

Is State Auto now Liberty Mutual?

We’re now part of Liberty Mutual.

Is State Auto a public company?

Since 1921, State Auto has expanded into serving the property insurance market in addition to the casualty insurance market it was founded to serve. Its stock, traded under the ticker STFC, is on the NASDAQ Global Select Market.

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