State Auto Insurance Review

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Since its founding in 1921, State Auto has grown into a large insurance carrier with over $4.6 billion in assets. The carrier currently offers coverage in 31 states and distributes through thousands of independent agents.

Here’s everything you need to know about State Auto insurance:

What’s protected with State Auto insurance?

While their name suggests they primarily sell auto insurance, State Auto is considered a “package carrier,” and can handle all of your insurance needs. With State Auto, you can insure your house, cars, vacation home, and even a farm or business under the State Auto brand.

Their policies follow the ISO standard forms used by most of the industry, which makes it easy for you to compare coverages. They offer standard add-ons, such as water back-up, identity theft coverage, and scheduled jewelry coverage.

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How much does State Auto insurance cost?

State Auto is a competitive carrier on price and can often be the best-priced offering with well-rounded coverages.

Mike LaRocco took the helm of State Auto in 2015, coming from an insurance technology company. Under his direction, State Auto has made significant investments in new digital platforms, cutting the paperwork that can be suffocating from age-old insurers. Because of this, State Auto has become data-savvy and is stripping costs out of its business. The new efforts mean smarter systems and more savings passed back to you, the customer.

State Auto offers discounts for bundling, protective devices, advance quoting, and much more. They even partnered with Roost, offering their Home Telematics Program, which can help you mitigate loss by monitoring the vitals of your house (water lines, electricity, etc.). Customers can sign-up and receive a discount on their home insurance premium at checkout.

State Auto review

State Auto is rated A- by AM Best and has been on solid financial footing since its founding in the 1920s.

Filing a claim with State Auto

Policyholders can file a claim:

  • Over the phone at 877-722-5246 any hour of the day or night
  • By submitting a claim online
Tip: In the event of a loss, customers should take photographs, do the minimal amount necessary to prevent further loss, and save any relevant receipts.

State Auto has been paying out claims for nearly a century, and its NAIC complaint ratio for homeowners insurance is 0.73, which is better than the industry median of 1.00.

Where is State Auto available?

State Auto insurance is available in 33 states, including: Arizona, Utah, Colorado, Texas, Kansas, North Dakota, South Dakota, Minnesota, Iowa, Missouri, Arkansas, Mississippi, Alabama, Georgia, North Carolina, South Carolina, Virginia, Tennessee, Kentucky, Illinois, Wisconsin, Michigan, Indiana, Ohio, West Virginia, Maryland, Pennsylvania, Massachusetts, Delaware, Connecticut, and Rhode Island.

Final thoughts

State Auto has an A+ from the BBB and is slightly above average (and improving) from other financial rating sites.

In summary, don’t be surprised if State Auto is your best option for home or auto insurance. They are competitive across product selection, price, and reviews.

Need home insurance?
The Credible marketplace, which includes insurance services by Young Alfred, makes it easy to find a carrier and policy that’s right for you.

  • Fully online — Fill out all insurance forms online and buy homeowners coverage without ever picking up the phone. If you have any questions, Young Alfred offers 24/7 customer service.
  • Save time, money, and effort — Compare quotes from highly rated home insurance carriers in your area. It’s fast and easy.
  • Data privacy — Your information is kept safe and secure. We don’t sell your information to third parties, and you won’t get any spam phone calls from us.

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Disclaimer: All insurance-related services are offered through Young Alfred.

About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

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