State Auto car insurance review: A+ coverage & discounts

State Auto has higher-than-average annual rates and more complaints than competitors, but a wide variety of coverage options and discounts may make it a good choice for some drivers.

Headshot of Rachael Brennan


Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

Updated|3 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

State Auto

State Auto logo

Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
Full orange starFull orange starFull orange starHalf orange starEmpty gray star


AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).



Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).






The bottom line

Founded in 1921, State Auto offers a wide variety of auto insurance options and discounts opportunities for drivers. At $1,987 a year for a full-coverage policy, rates with State Auto are higher than the industry average. 

State Auto also has a higher-than-average number of customer complaints, according to the National Association of Insurance Commissioners, but it may still be the best choice for drivers who want or need robust coverage options. 

State Auto is available in 33 states, but a 2022 merger with Liberty Mutual could potentially change prices or coverage options for State Auto customers in the near future.


  • Three coverage tiers, including Standard, Protection Plus, and AutoXtended® Premier

  • Nine different discounts available

  • Unique perks and features, including a usage-based coverage option and pet coverage


  • Higher-than-average rates

  • No online quote tool

  • High number of customer complaints

Basic coverages offered

With State Auto you’ll get all the basic car insurance coverage options you need, including:

  • Liability coverage: Required in almost every state, liability insurance covers the cost if you hurt someone or damage their property in a car accident. Liability only covers damage you cause to someone else, not damage to yourself or your property.

  • Personal injury protection: Also referred to as PIP or no-fault insurance, personal injury protection covers medical or other expenses, like lost wages, if you or your passengers are injured in an accident, no matter who was at fault. PIP is required coverage in no-fault states.

  • Uninsured/underinsured motorist coverage: Also called UM/UIM, uninsured/underinsured motorist coverage pays for your medical expenses if you’re in an accident where the at-fault driver doesn’t have car insurance, or if the at-fault driver’s insurance doesn’t cover the full extent of the damage. UM/UIM is required coverage in some states.

  • Collision coverage: Covers damage to your own car after a car accident, no matter who was at fault.

  • Comprehensive coverage: Covers damage to your car that wasn’t caused by a collision, including damage from extreme weather, hail, flood, fire, falling objects, vandalism and theft.

Additional coverages offered

Even if you don’t choose one of State Auto’s coverage packages, you can mix and match different coverage options when you’re getting a policy. State Auto’s additional coverages include:

  • Full safety glass coverage: An addition to your comprehensive coverage, this coverage helps replace or repair damaged glass on your vehicle with no deductible.

  • Accident forgiveness & minor violation coverage: If you’re in an accident or you have a minor traffic violation (like rolling through a stop sign) this additional coverage can prevent it from raising their rates.

  • AutoXtended® coverage endorsement: Extra protection for you, your vehicle, and the possessions inside, including benefits like bail bonds, cell phone coverage, customizing equipment, pet coverage, and death indemnity. This endorsement is automatically included in the Protection Plus and AutoXtended® Premier policies.

  • Ridesharing coverage: Coverage to protect you if you are a professional rideshare driver for a service like Uber or Lyft driver.

  • Roadside assistance: Covers roadside services like towing, delivery of supplies including oil, water and fuel, jump start your battery, changing a tire, and lockout service (up to $100)

  • Original equipment manufacturer (OEM) parts coverage: If your vehicle is less than 10 years old, this covers the cost to repair it with manufacturer parts rather than aftermarket parts.

  • Auto replacement cost: Also called Total Loss Plus, this coverage pays for a brand new car if your vehicle (less than two years old) is totaled.

Ratings methodology



We used Quadrant data to compare the average cost of a full coverage policy (50/100/50 coverage limits and a $500 deductible for comprehensive and collision coverage) from State Auto to competitor rates for the same coverage with the same driver profile. We specifically compared profiles for single drivers aged 30, 35, and 45 driving a 2017 Toyota Camry LE about 10,000 miles per year to get an average annual rate for State Auto car insurance in every available state.

Customer experience


State Auto has a worse-than-average rating on the National Association of Insurance Commissioners (NAIC) National Complaint Index Report, which means it has more customer service complaints than the average car insurance company. State Auto does not have a score on J.D. Power’s 2022 Auto Claims Satisfaction Study or the J.D. Power’s 2022 Digital Experience Study.

Coverage options


State Auto offers 21 different types of auto insurance coverage, giving it an excellent score when it comes to total available coverage options. State Auto has three tiers of coverage: Standard, Protection Plus, and AutoXtended Premier. Available coverage types include standard car insurance coverages, like liability, comprehensive, and collision coverage, as well as add-ons like roadside assistance and rental car reimbursement.

Financial strength


State Auto has a decent financial strength rating in the industry, scoring an A- with A.M. Best. However, the company does not have a rating with S&P or Moody’s. This means State Auto is likely to be able to pay out its customers’ claims.

Expanded coverage options

State Auto offers a Standard insurance plan that allows you to customize your coverage, but also offers two additional levels of coverage packages: Protection Plus and AutoXtended® Premier.

Protection Plus offers the same coverage options as State Auto’s standard insurance, and also includes:

  • Accident forgiveness and minor violation coverage (your rates won’t go up after an accident or low-level driving violation)

  • Full safety glass coverage option

  • Up to $500 in cell phone coverage

  • Up to $10,000 in emergency ambulance coverage

  • $250 in locksmith services and key replacement

  • $500 pet coverage if your pets are injured in a car accident

  • Coverage for rental vehicles

  • Waived comprehensive and collision deductibles

The highest level package, State Auto’s AutoXtended® Premier, offers all of the above coverages, plus increased limits for some coverages, including:

  • Up to $1,000 in cell phone coverage

  • Up to $25,000 in emergency ambulance coverage

  • $500 for locksmith services and key replacement

  • $750 pet coverage

How much does State Auto car insurance cost?

State Auto is more expensive than competitors, with an average annual premium of $1,987 a year (for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident). This is almost 20% higher than the national average premium of $1,638.

Coverage amount

Average annual rate for State Auto

Required state minimum


Full coverage ($50,000/$100,000)


What you actually pay for car insurance will vary based on a number of factors, including your ZIP code and your driving history. Your independent insurance expert can determine which discounts may be able to help lower your rates.

What discounts does State Auto offer?

Most car insurance companies offer a range of discounts to help you save on your auto policy. Here’s a full list of the car insurance discounts available with State Auto:

State Auto Safety 360 discount: Let an app track your driving habits and save up to 50% on your premiums for safe driving. You can get a 10% discount just for participating.

State Auto Start-Up discount: Save if you have an existing auto insurance policy with another company, then switch over to State Auto. Savings depend on how long you have left on your current policy.

Accident prevention course: If you’re 21 years old or older, have a valid driver’s license, and completed an accident prevention course within the last three years, this discount can help you save.

Anti-theft device discount: Save if your vehicle is equipped with an anti-theft system.

Driver training discount: Drivers who are under 21 can save money by completing a driving education course.

Good student discount: If you’re a full-time student with a 3.0 grade average or higher, you can save on rates.

Multi-car discount: Insuring two or more vehicles (including motor homes, registered golf carts, and off-road vehicles) on the same policy may get you a discount.

Multi-policy discount: Get a discount by bundling a home, renters, or other type of policy from State Auto with your auto insurance.

Paid-in-full discount: Pay your entire policy up front instead of monthly and save.

Remember that all discounts can vary by state, and savings and eligibility may depend on your driving record and other personal information.  

State Auto car insurance state availability

State Auto offers auto insurance through independent agents in 33 states, including: 

State Auto is not available in Alaska, Hawaii, California, Delaware, Florida, Idaho, Louisiana, Maine, Massachusetts, Montana, Nebraska, New Hampshire, New Mexico, Nevada, New Jersey, New York, Oklahoma, Oregon, Rhode Island, Vermont, Washington, Wyoming, and Washington D.C. 

However, State Auto was purchased by Liberty Mutual in 2022, which means coverage availability could change in the future.

What to expect with State Auto car insurance

How to get a quote: State Auto requires customers to use an independent agent to get a quote. Customers who want a quote from State Auto can reach out to an independent agent in their area or they can get a State Auto quote through an online marketplace like Policygenius.

Customer service options: Once you have a State Auto policy, you can make a payment or file a claim online, but customers who have other needs (getting a copy of your policy, getting ID cards, updating your contact information, making policy changes, or canceling your policy) need to reach out to their agent directly.

How to file a claim: State Auto customers can file a claim online or reach out to their independent agent for help filing a claim.

How to cancel your policy: Customers are required to cancel their policies through their independent agent. State Auto doesn’t offer a way to cancel a policy online or through a mobile app.

State Auto vs other auto insurance companies


Policygenius rating

AM Best rating


State Auto
















Liberty Mutual












Direct Auto




National General








The General








Collapse table

Frequently asked questions

Is State Auto car insurance company legit?

Yes, State Auto is a legitimate car insurance company that offers coverage in 33 states. It’s not related to State Farm, a separate car insurance company.

Why is State Auto insurance so expensive?

While insurance companies all use basically the same data to set your rates, they have their own unique process for determining how much weight to give each factor. Some companies have higher average rates because of this, although these factors can sometimes lead to lower rates for certain demographics.

Who is State Auto insurance owned by?

State Auto was purchased by Liberty Mutual in 2022 through a mutual transaction and merger. While the company continues to operate as State Auto, this could change at some point in the future.


Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and


Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

Questions about this page? Email us at .

Ready to shop for auto insurance?