State Auto Insurance Review for 2025 (Options & Rates Here!)

Our State Auto Insurance review rates it 3.9/5 for supporting low-mileage and safe drivers through tech-driven tools and personalized policies.

Rating Criteria
Overall Score	3.9
Business Reviews	4.0
Claims Processing	2.5
Company Reputation	4.0
Coverage Availability	4.9
Coverage Value	3.7
Customer Satisfaction	1.7
Digital Experience	4.0
Discounts Available	5.0
Insurance Cost	4.2
Plan Personalization	4.0
Policy Options	4.1
Savings Potential	4.5

Its Safety 360 telematics program monitors driving behavior and offers discounts up to 50% based on safe habits. Get tips on how to buy auto insurance with usage-based features like State Auto Safety 360.

State Auto Insurance offers customizable auto, home, renters, business, farm, and umbrella policies. It includes add-ons like roadside assistance and accident forgiveness. In 2021, Liberty Mutual acquired State Auto, but it continues to sell coverage under its State Auto brand in 33 states.

If State Auto Insurance isn’t available where you live, enter your ZIP code into our free comparison tool to find affordable coverage from local companies.

State Auto Insurance Coverage Rates

State Auto Insurance Companies is more expensive than many other providers, charging $105 a month for minimum coverage and $165 a month for full coverage. That’s nearly double Geico and USAA car insurance rates.

Auto Insurance Monthly Rates by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$105	$165
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$63	$164
	$56	$150
	$47	$123
	$53	$141
	$32	$84

Although State Auto might attract drivers seeking additional programs like Safety 360, individuals looking to save money typically opt for Progressive or State Farm because they offer more affordable rates for full coverage.

Teen drivers have the highest insurance costs with State Auto, with 18-year-old males paying an average of $240 per month and females $215 a month. By age 30, these rates decrease significantly.

The cheapest car insurance is available to drivers with clean records and no history of claims or accidents. Drivers with no record pay $105 a month for minimum coverage and $165 per month for full coverage. However, after a DUI, the rates increase to $210 per month for minimum coverage and $245 monthly for full coverage.

If there is one accident, monthly costs increase by $70, while one ticket adds an extra $35 to monthly minimum coverage. Since average premiums are more expensive, it’s important to drive safely to keep State Auto Insurance rates low and avoid costly penalties for violations.

State Auto Insurance Coverage

State Auto Insurance offers a range of coverage options to protect drivers from certain financial risks associated with accidents, property damage, and liability.

It also offers special programs tailored to various driving habits and lifestyle needs. This enables policyholders to tailor their protection by selecting specific benefits and optional add-ons.

• Safety 360 Telematics: Get a 10% discount starting point and save up to 50% more with good driving habits.
• Prime of Life Bundle: This package combines identity theft protection, roadside assistance, and home-sharing liability protection in one convenient package.
• Cyber Protection Add-On: It covers digital identity fraud and lost wages while you recover.
• Farm Auto Insurance: This coverage is specially made for farm trucks, utility vehicles, and agricultural trailers. It offers flexible options to protect against liability and physical damage.
• Business Auto Policies: Choices for hired and non-owned vehicles, employee use of personal vehicles, and specialty equipment.

Uniquely, State Auto’s car policies have all the main protections farmers and commercial drivers need. It’s business auto insurance policies include bodily injury and property damage liability, comprehensive and collision for physical damage, plus uninsured/underinsured motorist coverage.

These are made to protect your employees and your business or farm from losing money in accidents, natural disasters, theft events, or when dealing with at-fault or uninsured drivers.

Read More: Collision Auto Insurance

Other Types of Insurance Offered by State Auto

In addition to car insurance, State Auto offers a range of other policies to protect various aspects of your life and property. These choices enable customers to combine coverage with a single provider, meeting specific needs for home, business, personal liability, or farm policies.

• Home Insurance: This insurance protects your house structure and its contents, and also covers liability. You can choose additional options, such as equipment breakdown coverage and water backup protection if you wish.
• Renters Insurance: Protects personal belongings and provides liability coverage for tenants at competitive rates.
• Business Insurance: State Auto commercial lines offer coverage for small and mid-size businesses, including property insurance, general liability, and commercial auto insurance.
• Farm Insurance: State Auto Farm and Ranch Protection offers coverage for buildings, equipment, livestock, and liability.
• Umbrella Insurance: Adds extra liability coverage above existing home and auto policy limits.

These additional options make State Auto a good choice for customers seeking ease and comprehensive coverage from a single company. Combining different policies can also offer discounts for holding multiple policies and simplify their management.

Learn More: Best Homeowners Insurance Companies

State Auto Insurance Customer Reviews and Ratings

The State Auto insurance rating from A.M. Best is an A rating for financial stability. It also scored 820 out of 1,000 with J.D. Power, which is high but still just below the scores of its best competitors.

Agency
	Score: 820 / 1,000 Avg. Satisfaction
	Score: A- Good Business Practices
	Score: 60/100 Mixed Customer Feedback
	Score: 1.89 More Complaints Than Avg.
	Score: A Excellent Financial Strength

Consumer Reports gave them a rating of 60/100, and their complaint ratios averaged 1.89, which is slightly higher than the industry standard. While the company provides strong support, customer opinions vary depending on their experience with claims and policy services.

Some drivers report that the Liberty Mutual acquisition made customer service worse, which is not surprising since Liberty Mutual consistently ranks below average in J.D. Power surveys and receives two times the number of complaints.

Read More: What Happens If You Cancel Auto Insurance

Deciding to Buy State Auto Insurance

Our State auto insurance review found that while it offers more than just standard coverage, featuring Safety 360, its rates are higher than average. It was recently purchased by Liberty Mutual, which is known for having higher rates but offers more comprehensive coverage for new autos. Discover savings in the ultimate guide on the best time to buy a new car.

Safe Auto Safety 360 gives a 10% discount when you sign up and up to 50% off if you drive safely. It also offers the Prime of Life bundle, which includes identity theft protection, roadside assistance, and home-sharing liability all in one package.

For individuals seeking to save money and receive personalized benefits, State Auto is a viable option to consider. Find custom State Auto Insurance discounts by using our free quote comparison tool today