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State Auto Insurance Review


Rating: 7.4 / 10 (Very good)
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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.

How is State Auto rated?

Breakdown

7/10
Coverage & Benefits
8/10
Pricing and Discounts
6/10
Financial Strength
8/10
Customer Experience

Overall Rating: 7.4 / 10 (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 & Benefits - 7 / 10

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

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

Customer Experience - 8 / 10

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 JD Power or Trust Pilot. Consumers would be well advised to speak with other customers of the firm about their experience.

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
0.27
NAICS Total Complaints 2016
1
*The NAICS Car Insurance complaint ratio (in this case 0.27) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength

Key Details

Underwriter
State Automobile Mutual Insurance Co.
Premiums Written 2016
$0
Marketshare 2016
0.02%
AM Best Financial Rating
A-

Financial Strength - 6 / 10

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 and Discounts - 8 / 10

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
Company Phone
(800) 444-9950
Headquarters Address
518 East Broad Street, Columbus, OH, 43215
Mailing Address
518 East Broad Street, Columbus, OH, 43215
Year Founded
1921

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