State Auto Insurance Review

Editor’s note: On March 1, 2022, State Auto was officially acquired by Liberty Mutual. As such, this article may contain outdated information. State Auto will no longer write new auto insurance policies. Current State Auto policies will be transferred to Safeco, a Liberty Mutual subsidiary, starting in 2023. This process is expected to be complete by the end of 2024.
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Written by Kayda Norman
Lead Writer
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Edited by Ben Moore
Assistant Assigning Editor
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State Auto

State Auto was acquired by Liberty Mutual and no longer writes new auto insurance policies. Current State Auto policies will be transferred to Safeco, a Liberty Mutual subsidiary.. This process is expected to be complete by the end of 2024.

State Auto

State Auto was acquired by Liberty Mutual and no longer writes new auto insurance policies. Current State Auto policies will be transferred to Safeco, a Liberty Mutual subsidiary.. This process is expected to be complete by the end of 2024.

Based in Columbus, Ohio, State Auto Insurance offers auto, home and various other insurance policies in 28 states. Quotes are not available online, and policies are sold through independent agents only.

Liberty Mutual acquired State Auto in 2022. Starting in 2023, State Auto policies will start transferring to Safeco, a Liberty Mutual subsidiary.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

State Auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

State Auto offers the usual car insurance coverage such as liability insurance, as well as extras available only through its two packages, Protection Plus and AutoXtended Premier, described below.

Protection Plus includes the ability to add safety glass coverage, which pays for glass damage if it wasn’t caused by a collision.

The AutoXtended coverage endorsement is also part of the Protection Plus package, and includes:

  • Bail bonds coverage for bonds related to an accident that caused an injury or property damage.

  • Accident forgiveness and minor violation coverage, which may prevent you from getting a surcharge after your first accident or minor violation if you’ve had no traffic incidents for a set length of time.

  • Customized equipment coverage, which pays for damage to equipment that wasn’t installed at the factory or dealership, such as a custom engine or new stereo system.

  • Death indemnity, which pays a set amount if the policyholder dies in a car accident.

  • Total disability, which covers lost wages if you’re disabled as the result of an accident.

  • Attorney fees coverage, which pays your lawyer fees if you’re arrested for causing injury in an accident.

  • Rented vehicle coverage, which covers the cost of car rental, including any repairs if you damage the rented vehicle, with no dollar limit.

  • Cell phone coverage, which pays to replace or repair your phone if it’s damaged in a car accident, up to $500.

  • GPS coverage, which pays for repairs or a replacement if your GPS is damaged.

  • Emergency ambulance coverage, which covers up to $10,000 for emergency transportation after an accident.

  • Locksmith services or key replacement, which pays up to $250 if your keys are lost or stolen.

  • Pet coverage, which pays up to $500 if your animal dies or is injured in a car accident while in a vehicle you’ve insured with State Auto.

  • Waiving of deductible for certain types of claims.

AutoXtended Premier includes higher coverage amounts for some of these options. For instance, emergency ambulance coverage has a $25,000 limit, and cell phone coverage is increased to $1,000.

State Auto offers additional auto insurance options like:

Rideshare insurance. Uber and Lyft will cover you while you’re carrying passengers or on the way to pick them up, but not while you’re waiting for ride requests. Rideshare coverage fills the gap.

Auto replacement cost. If your car is declared a total loss when it’s two years old or less, State Auto will pay to replace your vehicle.

Total loss plus. If your car is more than two years old when it’s totaled, State Auto will either pay to replace it with a model one year newer or give you 120% of your car’s value at the time of the crash, whichever is less.

Car with shield on road

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Auto insurance discounts

Depending on where you live, you may be eligible for discounts for:

  • Insuring more than one vehicle.

  • Having State Auto home or umbrella insurance in addition to auto coverage.

  • Having anti-theft devices.

  • Paying your full premium upfront.

  • Taking a driver education class if you’re age 21 or younger. South Carolina drivers are eligible up to age 25.

  • Having good grades or leaving the car at home while attending school.

  • Completing an accident prevention course if you are age 21 or older.

  • Switching to State Auto car insurance if you’ve been with another carrier for at least six months, in most cases.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure where to start? Check out our guide on how to shop for car insurance.

Pricing based on tracked driving habits

State Auto’s Safety 360° program uses an app and a tag placed on your windshield to track driving habits like acceleration, braking and miles driven.

You receive a discount for joining the program, and — based on your driving behavior — may save more money when you renew your premium. In some states, your rates may increase if you’re deemed an unsafe driver.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

State Auto homeowners insurance

State Auto offers three home insurance packages: Standard, Protection Plus and Premier. These options let you choose the best package for you based on the amount of coverage you want:

Standard may include:

  • ID fraud expense services if you’re the victim of identity theft.

  • Replacement cost value, which pays for brand-new replacements for damaged or stolen items, instead of their depreciated value.

Protection Plus includes:

  • Lock replacement coverage, which pays to change your locks if your keys are lost or stolen.

  • Freezer contents, which pays up to $1,000 for freezer or refrigerator contents lost due to a power outage or breakdown.

  • Golf cart rentals coverage, which pays for damage or injuries resulting from a golf cart rental.

The HomeXtended endorsement, an optional add-on that’s available only through State Auto’s home insurance packages, includes extra coverage for your home and belongings, such as:

  • Cell phone and GPS coverage, which pays to replace or repair your items, up to $500 each.

  • Computer personal records, which pays to replace or restore lost information.

  • ID fraud expense, which provides up to $10,000 of identity theft recovery services.

  • Fire extinguisher coverage, which pays to replace or recharge your fire extinguisher.

  • False alarm coverage, which pays out if the police or fire department responds to a false alarm.

  • Personal property business use, which covers up to $5,000 of equipment — like tools, computers or printers — if used in your home for business purposes.

  • Mortgage and related extra expense, which helps pay for appraisal and application fees when you get a new mortgage.

Premier includes everything under the Protection Plus package in addition to:

  • Extra coverage for valuable items like jewelry and fine art.

  • Volunteer wrongful acts, which pays for costs associated with errors or negligence as a volunteer.

  • The HomeXtended endorsement.

Coverage options included in State Auto’s packages are also available individually unless otherwise noted.

The insurer offers additional optional coverage such as:

  • Blanket personal property, which has one limit for everything in a certain category, like jewelry.

  • Earthquake coverage, which pays for damage from an earthquake.

  • Home-sharing, which provides coverage for damage when you rent out your home through a home-sharing network like Airbnb.

  • Home systems protection, which pays to repair or replace electric equipment as well as property damage due to a breakdown.

  • Ordinance or law, which pays additional costs associated with updating your home to current building codes during covered repairs.

  • Personal injury, which extends your liability coverage to include things like libel, slander or false arrest.

  • Scheduled personal property, which provides extra coverage for high-value items such as jewelry. An appraisal may be required.

  • Service line, which covers repairs or replacement costs for damaged pipes or wires.

  • Water backup, which pays for damage caused by water overflowing from drains or sewers.

Home insurance discounts

Depending on where you live, you may get a discount for:

  • Having protective devices like burglar or fire alarms.

  • Owning a fortified home that protects against hurricanes, hail and other severe weather.

  • Your roof construction, based on material and age.

  • Switching to State Auto home insurance if you’ve been with your previous carrier for at least three years.

  • Owning a newly constructed home.

  • Getting a home insurance quote at least eight days before your policy renews.

  • Having State Auto umbrella or auto insurance in addition to home insurance.

Complaints

Relative to its size, State Auto had more than the expected number of complaints about auto insurance to state regulators, according to three years’ worth of data from the National Association of Insurance Commissioners. It had close to the expected number of complaints for home insurance.

More about State Auto insurance

Website: State Auto’s website lets you submit and track claims and make payments online. However, you’ll need to contact an agent to change your policy, update contact information or get new ID cards.

Other insurance from State Auto

Besides auto and home, State Auto offers the following insurance policies:

  • Condo insurance.

  • Umbrella insurance.

  • Renters insurance.

  • Business insurance.

  • Boat and yacht insurance.

  • Farm and ranch insurance.

Frequently asked questions

You need to contact an independent agent to get a State Auto quote or buy a policy.

You can file a claim through the State Auto website.

State Auto does not have an app where you can manage your policy or pay bills. It does have an app, Safety 360°, that tracks your driving behavior.

In this review . . .