State Auto Insurance Review
FREE Auto Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Mar 19, 2019
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.
State Auto Insurance is a company that offers homeowners and automobile insurance in 33 states across the nation through independent agents and brokers.
The company has five subsidiaries: State Auto Property & Casualty, Milbank Insurance, Farmers Casualty Insurance, State Auto Insurance Company of Ohio, and State Auto National Insurance Company.
History of State Auto Insurance
Founded in 1921 in Columbus, Ohio, as the State Auto Mutual, the company began on a shoestring, but grew to become one of the larger automobile insurers in the nation over the next 90 years. Robert Pein, the founder, believed in the policy of selling through independent agents, an outlook which has extended through the present day.
Disgusted with the high prices and lack of service of “big” companies, Pein believed that the independent agent was the touchstone of good service.
The company currently employs 2,000 agents and 3,000 independent agencies across the nation.
What kind of auto insurance does the State Auto Insurance Company offer?
While the various subsidiaries handle life, workers’ compensation, farmer’s casualty, and other types of policies, State Auto remains primarily an automobile insurer in its largest venues.
The company carries traditional and non-traditional auto insurance policies, as well as covering boats and other watercraft. Because the company is willing to insure high-risk drivers, it may be one of the larger companies that you can get coverage from after a DUI or at-fault accident.
However, each agent and subsidiary will have its own rules regarding approval of policies. The homeowners’ division handles private homes and rental properties, and you can often “bundle” your coverage by buying both homeowner’s and automobile coverage from the same company, which can earn you discounts.
State Auto is headquartered in Columbus, Ohio, and has regional offices in Nashville, Tennessee; Indianapolis, Indiana; Columbus, Ohio; Austin, Texas, and Baltimore, Maryland.
State Auto Insurance Company Ratings
The company received a rating of A+ from A.M. Best, indicating a superior financial status. With assets of over $2.3 billion, the company is large enough to withstand heavy claims activity and remain viable.
The company was one of the 2005 and 2006 Forbes’ Plantinum 400 list of top publicly-traded companies, and was Indiana’s 2009 Company of the Year, as elected by independent insurance agents.
J.D. Power and Associates, an independent rating group which studies customer satisfaction, rated State Auto Insurance a three out of five stars, which translates to “about average” overall.
However, the company rated “better than average” with four out of five stars in the category of “contacting the insurer,” possibly due to the independent agent system which allows customers to talk to their “own” agent when filing a claim or asking a question.
On the 1000-point Customer Satisfaction Index, State Auto earned a 792, making it the 8th highest-ranked company in the survey, and placing it just under insurance giants like Geico and State Farm in customer satisfaction.
FREE Auto Insurance Comparison
Compare quotes from the top auto insurance companies and save!
Secured with SHA-256 Encryption
State Auto Insurance Policy Options
State Auto offers several attractive options for auto insurance shoppers. The “Custom Fit” insurance policy means that your agent will work with you to tailor your policy to your individual needs, including deductibles, types of coverage, and other factors.
The “Prime of Life” program gives discounts to drivers over 45 years of age, and auto replacement cost insurance pays to completely replace your vehicle if you are involved in an accident which requires a “total” replacement of your car.
State Auto Insurance Company Review
However, there are some drawbacks to the independent agency system. Because each agency is driven by its own directives, as dictated by state law and other factors, service quality can vary from state to state, and even from agent to agent.
Although State Auto has very strict service guidelines, one agent may simply be more aggressive with managing your claims than another, or certain agencies may be able to offer better discounts or prices.
Your premiums will be due to a variety of factors, so the only way to know for sure what you will pay for State Auto insurance is to get a quote, either online or from an agent.
Although the company’s website has portals for users to pay bills and examine claims online, little information is available for the potential shopper, such as available discounts and pricing.
It is more likely that you will receive truer and more complete information by contacting a State Auto representative at an independent insurance agency and discussing your needs personally.
State Auto is not available in every market. For example, New York, California, and the New England states do not carry State Auto products. However, the company has a strong presence in the Midwest and in the South, which may also account for its pricing structure.
By avoiding the highest-cost markets, State Auto is able to keep its premiums balanced and avoid the costly claims resulting from doing business in high-density urban areas.