State Auto insurance review 2025
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At a glance
Score breakdown
Home
3.4
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
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 $2,670 per year for a full coverage policy and $773 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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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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Featured
State Auto
3.4
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
Cost & ratings 2.0Coverage 5.0Support 4.5 |
Farmers
3.7
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
Cost & ratings 3.3Coverage 4.2Support 3.9 |
American Modern
Not scored
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
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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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.
Read More
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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.
Read More
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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.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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10+ business insurance products
Business and Farm auto policies
Umbrella insurance
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Offers accident forgiveness
Savings through bundling
Additional insurance discounts
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Savings potential for homeowners
Recreational insurance
Tailored home insurance
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| No rates available | $3,375 | No rates available |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored |
706/1000 |
Not Scored |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| No rates available |
$2,440 |
No rates available |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored |
883/1000 |
Not Scored |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| Not Scored |
A(Excellent) |
Not Scored |
Why you can trust Bankrate
Read our full methodologyOur 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.
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.
Yelp
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.
*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.
State Auto company details
Here’s how to contact State Auto:
- Phone: 1-833-724-3577
- Find a local agent: Find an Agent | State Auto
- Website: stateauto.com
- 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
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze February 2025 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:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
Home
Bankrate utilizes Quadrant Information Services to analyze February 2025 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:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000Additional 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 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.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- 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.
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.
recommend this insurer
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
