Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 7, 2022

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The Lowdown

  • For over 100 years, State Auto insurance has been dedicated to providing quality auto insurance to its members
  •  State Auto offers a handful of discounts available, but a safe drivers discount isn’t one of them
  • While State Auto may be considered an affordable option in some states, its standard auto insurance policy is over $1,500 more than the national average

If you’re exploring which car insurance rates are available in your corner of the market, State Auto insurance is a choice worth evaluating. The company offers three different layers of protection to over 28 states. State Auto has also partnered with Liberty Mutual, so now its members can enjoy everything they know and love from State Auto, plus even more benefits from the new auto insurance company on board. 

If you are located in one of the areas that State Auto car insurance is available, it would be wise to learn more about the company to see if it may be an option for you. 

Are you considering State Auto car insurance? Enter your ZIP code first to receive a free car insurance quote now. 

About State Auto Insurance

Since 1921, State Auto insurance, formerly known as State Automobile Mutual Insurance Company, has been committed to providing fair settlements and auto insurance policies at fair prices. Since State Auto insurance opened its doors over 100 years ago, there have been several enhancements made to the company.

For example, Liberty Mutual, the sixth-largest auto insurance company in the United States, just acquired State Auto insurance. That means the State Auto insurance the world fell in love with can combine forces with one of the biggest, most recognized names in car insurance to maximize what they can offer to customers. 

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State Auto Insurance Benefits

According to a report from the Insurance Research Council (IRC), one in eight drivers on the road is driving without insurance. You don’t have to be one of them. State Auto insurance provides its policyholders with three degrees of protection to choose from — Standard, Protection Plus, and Premier.

Standard Coverage

This coverage plan is customizable, and it only sees to the auto insurance basics, including roadside assistance. 

AutoXtended Plus (Protection Plus)

This is a premium auto insurance plan that offers coverage such as accidental forgiveness and minor violation coverage, rented vehicle coverage, $10,000 emergency ambulance coverage, and $250 locksmith/key replacement. In addition, members can receive $500 in cell phone coverage, $500 in pet coverage, and the ability to add Full Safety Glass coverage to their plan. 

AutoXtended Premiere (Premier)

This premier package provides the driver with the most coverage options. It comes with everything already included in the AutoXtended Plus plan, except it contains $1,000 cell phone coverage, $25,000 emergency ambulance, $500 locksmith/key replacement services, and $750 pet coverage.

State Auto Insurance Discounts

One of the most important things insurance seekers looking for in a company is how affordable their plans are. To soothe the souls of frugal auto insurance hunters everywhere, State Auto insurance has a list of discounts available for its members to take advantage of:

  • State Auto Safety 360. Members can earn an instant 10% discount simply for joining and save up to 50% off their auto renewal premium. 
  • Accident prevention course. Members who are 21 and over can participate in an accident prevention course for a discount on their auto insurance policy.
  • State Auto sign-on. This discount is available for members that make the switch to State Auto if they held a policy with their previous insurance company for at least six months.
  • Paid-in-full. Members that are interested in paying their entire policy in advance can earn a discount.
  • Driver training. Drivers that are 21-years-old and younger (up to 25-years-old in South Carolina) may take a driver training course to receive a discount.
  • Anti-theft device. Members that have additional security features added to their vehicle may be eligible for a discount.
  • Good student discount. If you are a full-time student and have at least a B (3.0) average, the company will provide you with a discount for your outstanding grades. 
  • Multi-Car. If you include two or more vehicles on the same policy, you can get a discount.

With so many discounts available, State Auto members are bound to save something on their auto rate. 

State Auto Insurance Savings

According to the Insurance Information Institute, the average auto insurance cost in the United States is $1,056. State Auto insurance has a couple of savings programs available that can help bring down auto insurance costs. 

Unlike most auto insurance companies, State Auto does not have all of your typical discount programs. The company does not offer paperless discounts, nor do they have a safe driving program in place. Due to its lack of safe driving programs, safe drivers may want to consider an alternate auto insurance provider.

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State Auto Insurance Ratings and Reviews

State Auto received an A- rating from A.M. Best for financial strength, and the Better Business Bureau (BBB) provided State Auto with an A+ rating. State Auto was also recognized by Forbes as one of America’s best insurance companies. The National Association of Insurance Commissioners (NAIC) rated State Auto a 2.69 Complaint Index. Given the national average is 1, this indicates that the complaint levels are a little bit higher than average.

Is State Auto insurance affordable? 

If you’ve been wondering if the discounts offered will amount to savings on your State auto insurance payment, the answer for many prospective customers is no. The average auto insurance rate a State Auto insurance driver pays is around $2,633. That is more than $1,000 above the national average auto insurance cost. 

While some policyholders in select states can agree that State Auto is cost-effective, many of its consumers have cited its high prices as one of the main reasons they are not satisfied with the company. If affordability is a must-have for you, State Auto may or may not be a good choice. 

State Auto Insurance and Third-Party Data

If you are a stickler about who has access to your personal information, it’s important for you to have an idea of how State auto insurance and its subsidiaries operate. Since it is a third-party company, State Auto must share your information with Liberty Mutual and any other affiliates to confirm your eligibility. 

If you are interested in finding an insurance company that protects your most sensitive data from outside sources, it might be best to go with an insurance company that is not offered through a third-party company but is instead provided directly.

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State Auto Insurance Overview 

State Auto insurance has over 100 years of service under its belt, and now that it has partnered with Liberty Mutual, the company can leverage the additional visibility to acquire more customers. Although there are some convenient benefits available, State Auto insurance isn’t for everyone. State Auto is not for the safe drivers that are in search of a deal, and its benefits may not be appealing at all to bargain hunters. If you like to save paper by going paperless, State Auto is not a company that will reward you for your environmentally-conscious decisions. 

Despite everything that it is now, State Auto has a stack of benefits that some lucky auto insurance policy hunter will find and fall in love with. 

Are you looking for more options like State Auto car insurance? Before continuing to shop for insurance rates, enter your ZIP code to receive a free insurance quote today.

State Auto Insurance Review [2022] Additional Information

State Auto Insurance Review [2022] is a company that was incorporated in . State Auto Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.

The president of State Auto Insurance Review [2022] is , the treasurer is , and the secretary is . State Auto Insurance Review [2022] insurance plans include
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State Auto Insurance Review [2022] is located in , and the phone number for State Auto Insurance Review [2022] claims, customer, service, and additional information is .

State Auto Insurance Review [2022] Insurance Quotes

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