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State Auto Auto Insurance Review: Quotes and Service (2024)


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ByKaron Warren
ByKaron Warren

Updated: December 28, 2023

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2/5

discounts

3.5/5

complaints

4/5

satisfaction

3.5/5

stability

1.7/5

affordability


pros

checkmarkOffers early signing and various common discounts
checkmarkProvides personal property insurance coverage, OEM and glass deductible modification
checkmarkAbove-average user satisfaction rating

cons

closeNo discounts for safe driving, paperless or airbags
closePoor affordability score
closeNo 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

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.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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.

Car Insurance Comparison Tool

Compare your personalized insurance options side by side, in 3 simple steps

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Note: 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 Feature
    Description
  • Online Claims
    Go 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 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.
  • Condo Insurance
    This coverage is for losses of personal property, personal liability and other losses and expenses related to your condo.
  • Umbrella Insurance
    This insurance provides additional coverage beyond the limits of your existing coverage.

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-.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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


Karon Warren headshot

Karon Warren is a professional journalist who has covered personal finance, health insurance, home insurance, car insurance, mortgages, banking and more for two decades.

Karon earned her bachelor of arts degree in journalism from the University of Southern Mississippi. She is also a member of the American Society of Journalists and Authors. Karon uses her journalist skills to create in-depth, well-researched finance stories that educate people so they can make informed financial decisions that best serve their financial goals.


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