Auto Insurance Review: State Auto

For drivers wanting full coverage, State Auto offers many coverage options so you can tailor your policy to your personal needs. However, if you want a reliable company with high customer satisfaction ratings across the board, this may not be the company for you.

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iconribbonScore75

2/5

discounts

3.5/5

complaints

4/5

satisfaction

3.5/5

stability

3/5

affordability


pros

This is an iconFull coverage options available
This is an iconCan file claims online
This is an iconAgents available to meet in person

cons

This is an iconCannot manage account online
This is an iconNo mobile app
This is an iconCustomer satisfaction not high

Providing auto insurance since 1921, State Auto serves drivers in 33 states with a full range of car insurance options. However, recent customer complaints detail a lack of customer service, potentially deterring drivers who are looking for reliable customer satisfaction.

How Does State Auto Auto Insurance Rate?

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. State Auto has a complaint ratio of 1.6. This ratio means that State Auto receives more complaints than most other insurance companies in the nation.

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-.

Insurance Rates

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State Auto Insurance Features

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 Feature
    Description
  • Online Claims
    Go online at any time to submit a claim or make a payment.
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Optional Insurance Features and Coverage

State Auto offers additional options to expand your coverage benefits with these enhancements:

  • Type of Option
    Description
  • Roadside Assistance
    Any time you experience car trouble such as a flat tire, run out of gas or lock the keys in the car, this benefit will cover the costs.
  • Accident Forgiveness
    Avoid rate increases in the event of a speeding ticket or car accident if you maintain a clean record for 35 consecutive months.
  • Auto Glass Repair
    In the event that your car windows are damaged outside of a car accident, this benefit will pay for the repairs.
  • Extended Benefits
    This single bundle of extra coverage protects your pet, reimburses rental car expenses, replaces personal property and more.

Available Discounts on State Auto Car Insurance Coverage

To help their customers keep rates low, State Auto offers discounts, including multi-car, good student for teen drivers and anti-theft discounts. Always shop around to ensure that you’re getting the coverage that works for you, at a price that fits within your budget.

  • Type of Discount
    Description
  • Safe Driver
    Get rewarded for safe driving behavior.
  • Driver Training
    For drivers younger than 21 years old, complete a driver education course for this discount. Accident Prevention Course - Complete an accident prevention course to save on your car insurance.
  • Good Student
    Full-time students maintaining a B (3.0) average can receive a discount.
  • Multi Vehicle
    Get extra savings when you have two or more vehicles on your policy.
  • Anti Theft
    Receive extra savings for having specific safety features in your car.
  • Multi Policy
    Bundle your insurance with home, fire or umbrella insurance for extra savings.
  • Pay In Full
    Pay less when you pay your entire premium upfront.
  • Other
    State Auto start-up - Receive a quote at least eight days before you need insurance to receive this discount.

Other State Auto Insurance Products

State Auto provides more than just car insurance. They offer additional insurance options.

  • Type of Product
    Description
  • Homeowners Insurance
    Protect your home, personal property and more with this coverage.
  • Renters Insurance
    Works like condo insurance, but applies to those renting an apartment.
  • Umbrella Insurance
    This insurance provides additional coverage beyond the limits of your existing coverage.
  • Condo Insurance
    This coverage is for losses of personal property, personal liability and other losses and expenses related to your condo.

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 and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


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A long-time freelance writer, Karon Warren has covered finance, insurance, healthcare, business, travel and other topics for such outlets as Lending Tree, Student Loan Hero, Healthgrades, USA Today and others.


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