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State Auto Insurance Review

8 Customer Comments & Reviews - see all comments
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State Auto is a smaller car insurance company that was founded in 1921 and does business through an agent network in all 50 states plus DC. It offers a number of policy discounts and a robust menu of optional coverages.
 
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How is State Auto rated?

Breakdown

3.5/5
Coverage
3.0/5
Financial Strength
0.0/5
Supplemental Coverage
4.0/5
Pricing & Discounts
4.0/5
Claims Satisfaction & Customer Experience
0.0/5
Automation

Overall Rating: 3.6 / 5 (Very good)

State Auto writes car insurance policies in all 50 states and DC. It relies on an extensive agent network, rather than a web interface, and is a good option for people who want the personal touch in their insurance purchase. Consumers should be aware that the company appears to have run into financial difficulties in 2011, and little information on its financial strength since then is available. The company offers more types of optional coverages and more kinds of discounts than many of its competitors.

State Auto Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury

Additional Coverage

  • Sound System
  • Vet Bills

Coverage - 3.5 / 5

State Auto's basic coverage package varies from state to state, according to law. It offers some interesting additional coverages, such as locksmith services, emergency travel, disability insurance for people who become disabled while driving, bail bonds, and ambulance service.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.27
NAIC Total Complaints 2020
1

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
1
Number of BBB Neutral Reviews
2
Number of BBB Negative Reviews
27
Date Collected
2017-08-11
*The NAIC Car Insurance complaint ratio (in this case 0.27) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4 / 5

Because State Auto is a smaller insurance company, the sample size of the metrics from which consumer satisfaction is derived doesn't allow a confident assessment of the company's customer's experience. The company is rated A+ by the BBB, but has only 30 reviews. It has an excellent NAICS complaint ratio, but this is based on a single complaint. The firm is not rated by TrustPilot. Consumers would be well advised to speak with other customers of the firm about their experience.

Financial Strength

Key Details

Underwriter
State Automobile Mutual Insurance Co.
Premiums Written 2020
$0
Marketshare
0.02%
AM Best Financial Rating
A-

Financial Strength - 3 / 5

In December 2015, Moody's withdrew State Auto's financial strength rating, which at the time was A3, with a negative outlook. Standard & Poor's does not currently list State Auto, although in 2011 it downgraded the firm to BBB+. Although these actions make it difficult to assess the company's current financial strength, it seems clear that the company has struggled financially in the last seven years.
*The above information reflects the financial strength of the underwriter of the State Auto car insurance policies: State Automobile Mutual Insurance Co..

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Student
  • Bundled Policy

Additional Discounts

  • Full/Automatic Payment

Pricing & Discounts - 4 / 5

In addition to most of the usual discounts, State offers some innovative ways to save money. Drivers can save month by taking drivers education or by completing an accident prevention course. The company also offers a telematics program whereby a monitoring device on the insured vehicle is used to assess how safely it is being operated. State Auto claims that the discount on that program can save drivers up to 50% on their premiums.

Contact & Additional Information

Homepage URL
https://www.stateauto.com
Company Phone
(800) 444-9950
Headquarters Address
518 East Broad Street, Columbus, OH, 43215
Year Founded
1921

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8 Customer Comments & Reviews

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konarktanwar
3/8/2021
State Auto do not pay and give hard time at the time when Texas have winter disaster in the week of 15th Feb, 2021. Their claim Adjuster are very negative behaviour and try to take excuse to not to pay. State Auto Policy premium was cheaper than other carriers so my agent recommend to me. But now I am regretting as unable to get claim for flooded house due to water pipe busted. I have to cancel my Sate Auto policies as there is no use. Adjuster treat policy holders like their enemy.

A
Allen P
9/28/2020
Had 3 houses with them and everything was fine until I had wind damage to one of them...Dropped them in the middle of the policy...Save your money and go to a real insurance company

L
Lee F
8/21/2020
I want to thank State Auto for declining to be my insurance. I have blindly been loyal to State Auto for over 2 decades. I built a new home with a self contained high efficiency fire place unit. 18 months later I am being rejected. I have my home , cabin ,rentals , business and auto insurance with them . There are lots of insurers who like my business. There is no need to be loyal. I will say that my agent was excellent. Lee

chambleemailbox
1/20/2020
The worst so far. My child got hit while driving , and when we try to reach the adjuster ,( more than 20 times) we never get a call back. I guess keep trying. They are the modern day criminal enterprise. Collect fast, pay slow.

R
rsmith39209
1/11/2020
Why are you continuously increasing my (AMS0022350) Insurance premium? I have been an insurer for many years, and I know, and you know also, that it is unfair for you to continue increasing my insurance rates, and so often; This time around $11.00. The rating that I have given is because of the fore stated.

sophie102467
1/2/2020
The worst insurance ever! First claim I ever had was severe wind hail damage, huge tree uprooting which they declined a big portion, then increased my insurance.. I heard it was bad but now I know.. Stay away

missyhopper
8/20/2019
if I could give zero stars I would. Very unhappy with this company. So much so, not only are we leaving our insurance broker and 2 other family members are leaving.

hbruce
10/10/2018
I was with State Auto insurance. I moved and updated my address on my credit card, but forgot to update my address with S.A. which meant my CC wouldn't go through. So, I missed 1 payment last week (and I had auto pay and haven't ever missed a payment). My Bob Hart Agent called me and said you were dropped and they didn't know why. So I called S.A. myself..... even if I made a payment it wasn't guaranteed that they would reinstate me. Really??!! An honest mistake and no track record of any issue. I honestly just moved.. Guess I'll take my business elsewhere. I don't reccomended doing business with them after this.

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