State Auto Auto Insurance Review: Quotes and Service (2022)

State Auto is a car insurance provider with a below-average MoneyGeek score of 60 out of 100. The company has an above-average customer satisfaction rating while stability and complaints are average and discounts below-average. For affordability, State Auto gets a poor rating. For drivers who want OEM or personal property insurance, State Auto provides these rare coverages.

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Last Updated: 3/2/2022
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2/5

discounts

3.5/5

complaints

4/5

satisfaction

3.5/5

stability

1.7/5

affordability


pros

This is an iconOffers early signing and various common discounts
This is an iconProvides personal property insurance coverage, OEM and glass deductible modification
This is an iconAbove-average user satisfaction rating

cons

This is an iconNo discounts for safe driving, paperless or airbags
This is an iconPoor affordability score
This is an iconNo 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 1.60. 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.

Compare State Auto Directly With Other Car Insurance Companies

MoneyGeek provides resources to help drivers compare car insurance policies from State Auto with policies from other insurance providers operating within their state. You can use the MoneyGeek car insurance company comparison tool to assess how State Auto ranks based on factors like pricing, customer service and unique coverage options. The comparison tool also allows you to access various resources with additional information about popular insurance carriers.

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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.
  • 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.

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 the Author


expert-profile

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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