Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict
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At a glance
3.9
Rating: 3.9 stars out of 5
Bankrate Score
Score breakdown
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders who are seeking business or farm policies and don’t mind having to contact an agent for a quote might consider State Auto as their company of choice.
12 business insurance products and 3 farming insurance products available
Niche business coverage includes data breach, workers’ compensation and cyber coverage
Local agents can help customers identify the right coverage
Customer-friendly online portal available
Only operates in 33 states
New
What’s new with State Auto?
The acquisition of State Auto by Liberty Mutual in March 2022 brought more than 2,000 State Auto employees into Liberty Mutual's Global Retail Markets U.S. business unit, expanding Liberty Mutual's premium by $2.3 billion and making it the second-largest carrier in the independent agent channel. The agreement, valued at approximately $1 billion, also transitioned State Automobile Mutual Insurance Company members into members of Liberty Mutual Holding Company Inc. As a part of the merger, all auto and residential home policies are now being underwritten by Liberty Mutual. State Auto will only write business and farm related policies moving forward.
State Auto car insurance review
Finding the best car insurance company starts with understanding what aspects of insurance are most important to you. Based on Bankrate’s assessment, State Auto car insurance may be a good option for drivers who don’t want to spend a lot of time personalizing their car insurance. State Auto does not have a Bankrate Score for its auto insurance product and is not scored by J.D. Power. However, the company's attention to unique business customer needs and customer-friendly online portal are noteworthy.
State Auto underwrites business auto policies for a variety of vehicles even though personal auto insurance is no longer available. Customers can get a quote for both owned and leased commercial vehicles, and an agent will identify how much insurance you need based on the specifics of your fleet. According to State Auto, your business auto quote will be based on factors like how much you drive, the types of cars, trucks or other vehicles your business uses; and whether you own your business vehicles.
State Auto car insurance is only available in 33 states. To see if you live in an area where the company operates, you can use the agent locator tool on State Auto’s website to find a local insurance agent.
Pros and cons of State Auto car insurance
Comparing car insurance quotes can seem daunting, but making a list of pros and cons can help keep you on track. This visual representation may help you distinguish State Auto from other companies and determine where your priorities lie: coverage, online accessibility, customer service availability or something else.
Pros
Personalized business insurance policies assisted by a local agent
Coverage for leased vehicles
Online customer portal enables users to make changes to their auto policies
Cons
Not rated by J.D. Power
Android mobile app may have functionality issues based on reviews on Google Play
Customer service not available 24/7
State Auto car insurance cost
The national average cost of car insurance is $2,458 per year for a full coverage policy and $678 for a minimum coverage policy. Unfortunately, it’s not possible to compare State Auto car insurance with these rates since they dropped personal auto policies from its coverage plans. You can reach out to a State Auto rep to learn more about business auto rates from the company.
State Auto customer satisfaction
Everyone may need something different in their insurance policy. To help those who prioritize customer satisfaction find the right policy, Bankrate analyzes third-party scoring metrics to evaluate how satisfied an insurance company’s policyholders might be with their carrier.
Bankrate’s editorial team usually utilizes J.D. Power customer satisfaction scores in our analysis to understand customer satisfaction. State Auto no longer writes personal auto insurance policies, but customers can seek out a policy from Liberty Mutual since it acquired State Auto in 2022. Liberty Mutual holds an AM Best rating of A (Excellent) for financial strength, which can help give you an idea about the financial stability of the company as an insurer.
State Auto car insurance discounts
State Auto no longer has personal auto insurance, and the company does not publicly state any potential business auto insurance discounts. Reach out to an agent to learn more about potential savings for your commercial vehicles.
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Get personalized auto insurance quotes
Answering a few quick questions to check your availability with State Auto
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Compare State Auto with other insurers
Comparing State Auto with other insurers is an essential step in finding the insurance coverage that best fits your needs. Each carrier offers its own selection of policy options, customer service levels, discounts and pricing, making it important to weigh these factors against your personal or business insurance requirements. Considerations such as the insurer's presence in your state, the ease of filing claims, customer satisfaction ratings and the financial stability of the company can influence your decision. Engaging in thorough comparison not only helps in identifying the insurer that aligns with your priorities but also ensures that you are adequately covered while possibly saving on premiums.
Featured
State Auto
Rating: 3.9 stars out of 5
3.9
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Policyholders who are seeking business or farm policies and don’t mind having to contact an agent for a quote, might consider State Auto as their company of choice.
Farmers offers policy packages with add-ons to give insureds the opportunity to build their own insurance policy. However, unlike State Auto, it also offers life insurance products.
American Modern offers unique policy options for homeowners and auto insurance that might not be found with other carriers. It also writes coverage in all 50 states.
Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth State Auto insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Is State Auto a good insurance company?
Bankrate’s insurance editorial team includes licensed agents. We know that picking the best insurance company isn’t always easy and that honest, straightforward and knowledgeable company reviews can be an integral part of the process. Our goal is to provide you with the information and State Auto insurance reviews you need to feel empowered to make an educated decision about your coverage needs.
With that said, State Auto could be a good insurance company for you, but it depends on what you’re looking for. It could be good for business or farm owners who prefer to deal with an agent than purchase a policy without the assistance of a live representative. However, those who want 24/7 service or the ability to get quotes online may not find the company to be an attractive option. You may benefit from contacting a State Auto agent to ask any remaining questions you have about its insurance to better determine if the provider is a good fit.
What are real-life customers saying about State Auto?
To offer insights into State Auto's performance from those who've directly interacted with their services, we gathered opinions from real customers on platforms such as Reddit and Yelp. These sources provide a platform for users to share unfiltered experiences, whether they're positive or negative, giving potential customers a comprehensive view of what it's like to be insured by State Auto.
Reddit
A Reddit user shared their frustrations with State Auto, particularly noting challenges in customer service and policy management following its acquisition by Liberty Mutual. They mentioned experiencing delays and communication issues, likening the service to outsourced support.
Reddit User 1*
Aug 24, 2023
I’ve been dealing with them and it’s not fun...
I’ve been dealing with them and it’s not fun they were bought out by Liberty Mutual so you’d think they’d be decent but not so much. We have a commercial policy and the customer service is like talking to someone outsourced in another country; my new agent made a change for us and it still hasn’t been done a week later. My agent is also not a fan.
Yelp reviews for State Auto present contrasting experiences. While many reviews exist prior to the discontinuation of auto policies, others warn against using the company in general, describing a problematic experience with unauthorized charges and labeling it as a scam, leading to significant inconvenience and necessitating bank intervention.
Yelp user 1*
Oct 17, 2020
Do not use this business for insurance. It is a scam. My...
Do not use this business for insurance. It is a scam. My wife received an initial quote and was asked for a financial institution where they could bill us. She gave them the account info before we had signed any documents to start coverage. After calling them to tell them we weren't interested, they went ahead and charged our account. They also sent our account information to Quantum Assurance, and they billed us. After more calls, State Auto said that they would refund our money. We never received anything. We had to contact our bank. Our bank confirmed that Quantum Assurance was a scam. We had to change our bank account number to prevent any more unauthorized billing.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Mailing address: 518 East Broad Street, Columbus, Ohio 43215
State availability
Prior to its acquisition, State Auto insurance wrote policies in 33 states. However, it’s been acquired by Liberty Mutual, which is available in all 50 states and Washington, D.C. You can use the company’s agent locator tool to see if there is an agency near you.
State Auto tools and benefits
State Auto also offers a variety of other insurance products. These include:
Umbrella insurance: An umbrella policy offers increased liability protection on all personal lines insurance, such as auto, home and rental property insurance.
Business auto insurance: This type of policy provides auto insurance if your business requires you to make deliveries, you drive to service locations or you manage a fleet of vehicles.
Business liability insurance: This type of insurance is often called general liability insurance. It offers protection for everything from personal injury claims on your property to product recalls.
Workers’ compensation: State Auto offers workers' compensation coverage to complement a business owner's policy or commercial insurance package. This can help offset lost productivity or costs due to injured employees.
Frequently asked questions about State Auto
Filing an insurance claim with State Auto should be relatively simple, as long as you have certain pieces of information handy. For example, the company will ask for your vehicle identification number (VIN), the date the accident occurred, how many miles your vehicle has on it and the other party’s basic information. Once you’re ready, you can file a claim with State Auto by:
State Auto participates in a number of community initiatives and encourages associates to take time off to volunteer. Under the Invest a Day program, associates can take one day off per year to participate in volunteer activities and can also fundraise through associate giving campaigns. Its Jay Yano Community Service Award also recognizes one associate every year for exemplary service.
The company also has a number of fundraising partnerships. Its Jack C. Boyle Matching Gift Program matches associate donations to qualifying nonprofit organizations, and its State Auto Foundation administers a fund that donates to other 501(c)(4) nonprofit organizations.
State Auto has been acquired by Liberty Mutual Insurance. This acquisition was completed through a mutual transaction and merger, as announced on March 1, 2022. Following this acquisition, State Auto continues to operate with its existing brand, products, systems, customer service team and staff. Liberty Mutual's acquisition of State Auto Group incorporates State Auto into its business operations while allowing State Auto to maintain its individual brand identity and operational processes for the time being. This merger enables Liberty Mutual to expand its presence in the insurance market, particularly through the independent agent channel.
State Auto is a regional insurance carrier based in Columbus, Ohio. It was established in 1921 as the State Automobile Mutual Insurance Company. Today, it’s owned by Liberty Mutual, which is based in Boston, Massachusetts.
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
40 year old
Single male and female driver
2022 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
Other profiles
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
These are sample rates and should only be used for comparative purposes.
Home
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:
40 year old
Married male and female homeowners
2016 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
Additional profiles:
Coverage A, Dwelling: $150,000, $350,000, $450,000
Coverage B, Other Structures: $15,000, $35,000, $45,000
Coverage C, Personal Property: $75,000, $175,000, $225,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
5
Rating: 5 stars out of 5
Overall Score
Cost & ratings50%
Coverage & savings30%
Support20%
Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about State Auto
State Auto has 25 reviews
Dive into community reviews below and see what others think about State Auto.
4.4
25
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
92% of consumers recommend this insurer
Score breakdown
5 stars
52%
4 stars
40%
3 stars
4%
2 stars
4%
1 star
0%
Score by category
Overall rating4.4 / 5
Original cost3.7 / 5
Coverage4.4 / 5
Customer Support4.2 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about State.
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Good reputation
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I keep putting off checking others out for better prices
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The price was better than others
How does this insurer compare to insurance companies you’ve had in the past?
I have the same coverage only at a lower price.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I’ve never had any other insurance company.
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
History of past experiences and business had the best price.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Best Cost of premium but would leave if too expensive
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It was 500.00 cheaper. The staff was very pleasant and knowledgeable. They answer the telephone and return your call.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Professionalism
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Very lax in customer service. The customer service is al,pst non existamt.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would stay because of the pricing, I would leave because of customer service.
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support1/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Cost
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Dependable and quick handling of complaints
Insurance Type
Auto + Home
Score by category
Original cost2/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They are quick on claims
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They are quick on claims. It someone else was quick on claims and was lower price
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It's state fair and they good
How does this insurer compare to insurance companies you’ve had in the past?
Easy to do business with
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I feel like my premiums with this insure are definitely higher than other other companies I’ve had in the past.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The number one reason to stay with this company is excellent customer service. The number one reason to leave is affordability.
706/1000
