score60State Auto Auto Insurance Review: Quotes and Service (2023)
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score602/5
discounts
3.5/5
complaints
4/5
satisfaction
3.5/5
stability
1.7/5
affordability
pros
Offers early signing and various common discounts
Provides personal property insurance coverage, OEM and glass deductible modification
Above-average user satisfaction rating
cons
No discounts for safe driving, paperless or airbags
Poor affordability score
No gap insurance or rental car and/or travel reimbursement coverage
Verdict
State Auto’s customer satisfaction score is above-average, but its customer complaint score is average. With a poor affordability score, State Auto is much less competitive with its auto insurance rates than other insurers and may charge more for coverage.
To find out more about car insurance from State Auto and other providers, MoneyGeek’s resources, which highlight the most affordable auto insurance carriers as well as the best auto insurance companies across various factors, may be of help. MoneyGeek also has an auto insurance company comparison tool that helps you see how State Auto compares to other insurers.
How Does State Auto Rank for Customer Service?
When examining ratings and rankings from such sources as the Better Business Bureau and AM Best, State Auto holds its own against competing car insurance companies. However, a look at recent customer reviews and the company doesn’t receive high praise for honoring claims.
Customer Satisfaction Rating
According to the Better Business Bureau, State Auto Insurance has a BBB rating of A+. However, that rating doesn’t take into account customer reviews, which, on the BBB website, has an average of just one star. The overwhelming reason for those reviews is a lack of customer satisfaction in claims resolutions.
Customer Complaint Ratio
State Auto
Every year, the National Association of Insurance Commissioners (NAIC) logs complaints against car insurance companies to see how companies compare to one another. The national median complaint ratio is 1.00. State Auto has a complaint ratio of 1.89. This ratio means that State Auto receives more complaints than most other insurance companies in the nation.
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Discounts Offered by State Auto That Can Help You Save
Discounts help make a car insurance policy from State Auto more affordable. State Auto provides various common discounts to its customers, including bundling, pay-in-full, anti-theft system, good student and multiple car discounts. State Auto, however, does not have discounts for safe driving, airbags or choosing to be paperless.
If you get a quote for your car insurance policy from State Auto before the effective date you require, you may get an early signing discount, a not-often provided discount.
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The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.
Does State Auto Offer Broad or Unique Coverage?
As with any car insurance provider, State Auto offers standard auto insurance options — liability, comprehensive and collision coverage. State Auto also provides additional coverage options like roadside assistance, accident forgiveness and new car replacement. Gap insurance and rental car and/or travel reimbursement are not available with this insurer.
State Auto does provide personal property insurance, a unique coverage that protects your vehicle and any possessions in it. Other unique add-on coverage options include original equipment manufacturer (OEM) and glass deductible modification. The original equipment manufacturer coverage is great if you only want original parts used for repairs, while the glass deductible modification waives your comprehensive deductible for windshield and other glass damage repairs.
What Online Auto Insurance Tools Does State Auto Offer?
State Auto is available in three levels so customers can customize their policy to get the car insurance coverage they want. The company also offers a number of enhancements and discounts to provide added value to your policy.
- Type of FeatureDescription
- Online ClaimsGo online at any time to submit a claim or make a payment.
Other State Auto Insurance Products
State Auto provides more than just car insurance. They offer additional insurance options.
- Type of ProductDescription
- Homeowners InsuranceProtect your home, personal property and more with this coverage.
- Renters InsuranceWorks like condo insurance, but applies to those renting an apartment.
- Umbrella InsuranceThis insurance provides additional coverage beyond the limits of your existing coverage.
- Condo InsuranceThis coverage is for losses of personal property, personal liability and other losses and expenses related to your condo.
Financial Strength
To determine how well a car insurance company fulfills its financial obligations to its customers, AM Best reviews and rates each company’s financial strength. State Auto has received an AM Best rating of A-.
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How to Make a Car Insurance Claim With State Auto
With State Auto, you can file a claim on the website or call the claims number to talk with your personal agent. Make sure you have your policy information and details about your accident handy when you call.
Contact State Auto Car Insurance
Methodology and Assumptions
To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.
About Karon Warren
sources
- National Association of Insurance Commissioners. "State Auto Prop & Cas Ins Co National Complaint Index Report." Accessed May 25, 2023.
- Better Business Bureau. "State Auto Insurance." Accessed April 5, 2020.