State Auto Insurance Review 2022 | Bankrate

Bottom line: State Auto writes a variety of personal lines, business and farm and ranch insurance policies in 33 states. It is not rated by J.D. Power for customer service, but may be worth considering for those seeking home and auto insurance with multiple discount opportunities.

This Post: State Auto Insurance Review 2022 | Bankrate

Perks
Drawbacks

Home and auto insurance policies are available in packages or personalized for all needs
State Auto is only available in 33 states

Wide array of discount opportunities to save money on home and auto insurance
Not rated by J.D. Power for overall customer satisfaction

In business over 100 years
Downgraded to an A- (Excellent) from an A (Excellent) for financial strength by AM Best

State Auto insurance was founded in 1921, known then as the State Automobile Mutual Insurance Company. A little over 100 years later, the regional carrier is now called State Auto and writes auto insurance premiums in 33 states. While the main headquarters operates out of Columbus, Ohio, other offices for State Auto are located throughout the midwest, Tennessee and Texas.

Bankrate’s State Auto insurance review can help you determine if State Auto is a good fit for your personal lines insurance. The company’s home and auto insurance policies can be personalized or purchased as a package, although some coverage options are only available as a package.

State Auto is only available in certain 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.

State Auto car insurance

Finding the best car insurance company starts with understanding what aspects of insurance are most important to you. State Auto car insurance offers options for drivers who don’t want to spend a lot of time personalizing their car insurance as well as those who do. Drivers who want personalized coverage may opt for the company’s Standard package, while those who want the company’s set packages can pick the Protection Plus or AutoXtended Premier. The Protection Plus offers unique financial protections, like cell phone coverage, emergency ambulance coverage, locksmith and key replacement coverage. The AutoXtended Premier offers everything in the Plus tier, with some coverage at higher limits.

Beyond these package tiers and standard coverage, like collision and comprehensive insurance, State Auto also offers additional coverage options. These include full safety glass coverage, which has no deductible for glass claims, as well as rideshare coverage for drivers partnered with Uber and Lyft. Auto replacement cost could cover the replacement cost of your car if it is within two model years of your policy date and deemed a total loss in an accident.

State Auto car insurance cost

The average cost of full coverage insurance from State Auto is $1,908 per year. Its minimum coverage policies are $700 per year on average. Both rates are higher than the national average cost of car insurance, which is $1,771 per year for full coverage and $545 per year for minimum coverage. Although your actual rates may vary based on a number of car insurance rating factors, these figures may be useful for comparison.

State Auto average annual full coverage premium
National average annual full coverage premium

Clean driving history
$1,908
$1,771

Speeding ticket conviction
$2,327
$2,138

At-fault accident
$3,077
$2,521

Adding a 16-year-old driver
$5,286
$3,852

State Auto car insurance discounts

Like many other car insurance companies, State Auto offers a number of discounts to help lower your car insurance costs. Some options include:

• State Auto start-up: Potential policyholders who quote before their original policy’s effective date could earn a discount. Savings amounts vary  based on how many days in advance the quote has been requested, as well as how long the prior policy has been active.
• Driving training: Drivers under the age of 21 could earn a discount for taking a qualifying driving course.
• Accident prevention course: Drivers age 21 or older with a valid driver’s license could earn this discount by taking a course within the last 36 months.

State Auto car services

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State Auto does not indicate it offers any additional financial or auto services to car insurance policyholders.

State Auto home insurance

State Auto home insurance also comes in three package tiers: Standard, Protection Plus and Premier. Similar to State Auto car insurance, the Standard package is the most basic tier, giving homeowners the opportunity to add coverage options based on their needs, or stick with the essentials.

The Protection Plus package comes with lock replacement, $1,000 in coverage for freezer contents lost due to power outage or breakdown and coverage for golf cart rentals. Homeowners can also add the HomeXtended endorsement, which offers more financial protection for your home and personal belongings. This coverage is automatically included in the Premier package, which also includes coverage for specialty high-value items like jewelry and fine art, as well as volunteer wrongful acts, if the insured is legally responsible for errors or negligence while working as a volunteer.

Other optional home coverage from State Auto includes home-sharing coverage, which may be ideal for insureds who also use their home for short-term rentals, as well as home systems protection for AC units, computers and home security devices. State Auto also offers identity fraud coverage, ordinance or law, service line, water backup and personal injury coverage for homeowners who want to personalize their policy.

State Auto home insurance cost

State Auto home insurance costs an average of $1,218 per year for $250,000 in dwelling coverage. This is lower than the national average premium of $1,383 per year for the same amount of coverage. Across the board, State Auto averages more affordable home insurance premiums compared to the national average for increasing dwelling coverage limits. As you look for the best homeowner insurance for your needs, keep in mind that your actual quote may vary depending on where you live, the age and size of your home and other variables unique to you and your home.

Dwelling coverage limit
State Auto average annual premium
National average annual premium

$150,000
$806
$980

$250,000
$1,218
$1,383

$350,000
$1,626
$1,887

$450,000
$1,995
$2,351

$750,000
$2,913
$3,414

State Auto home insurance discounts

Saving money on home insurance can be accomplished in a few ways, such as taking advantage of discounts. State Auto offers some of the following:

• New construction discount: If your home is newly built, this discount may be added to your policy.
• Roof construction: Depending on the age and type of material your roof has, your homeowners policy could be eligible for this discount.
• Fortified home: You could qualify for this discount if your home meets Fortified Home standards for construction.

State Auto home services

Homeowners with State Auto may use the company’s AI-powered self-guided property inspection mobile application to perform their own property inspection. This may eliminate the need for another person to come into the home, and has capability for collecting interior and exterior property inspection data.

Other State Auto perks worth considering

Beyond auto and homeowners insurance, State Auto also offers a variety of other insurance products. These include:

• Condominium insurance: Condominium unit owners are typically only responsible for the interior of their units, which condo insurance provides coverage for.
• Umbrella insurance: The umbrella policy offers increased liability protection on all personal lines insurance, such as auto, home and rental property insurance.
• Renters insurance: This policy type offers coverage for personal belongings, personal liability and loss of use coverage.

State Auto social responsibility

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 a 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.

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The company also has a number of fundraising partnerships. Its Jack C. Boyle Matching Gift Program matches associate donations to qualifying non-profit organizations, and its State Auto Foundation administers a fund that donates to other 501(c)4 nonprofit organizations.

Not sure if State Auto is right for you? Consider these alternatives

In your research, you may also want to consider these other insurer with qualities comparable to State Auto:

• Farmers: Like State Auto, Farmers also offers policy packages with add-ons to give insureds the opportunity to build their own insurance plan.
• American Modern: American Modern also offers unique policy options for homeowners and auto insurance that might not be found with other carriers.
• Geico: If price is a priority, Geico offers some of the cheapest car insurance in the nation, along with an extensive variety of discount opportunities to save even more. Homeowners insurance is also available from Geico from different underwriters.

• Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  Auto

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

  To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

  Age: 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.

  Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

  Homeowners

  • Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

  The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

  These are sample rates and should be used for comparative purposes only. Your quotes will differ.