State Auto Insurance Review

Updated October, 2020
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State Auto, founded in 1921, sells insurance in 33 states. Their customers give them high marks for customer service. They reward safe driving and offer coverage options that exceed most other insurers. They provide these amazing benefits at low, affordable rates!

State Auto Insurance overview

For 100 years, State Auto has provided quality, reliable, and (most importantly) affordable insurance rates. Today, they offer a wide variety of insurance options for both individuals and small businesses around the country. Their auto insurance has three levels: good, better, and best. Customization is what sets State Auto Insurance apart from other insurance companies.

State Auto AutoXtended® Endorsement

State Auto provides three levels of auto insurance coverage. Aside from their standard level, they offer AutoXtended Endorsement, automatically included if you choose AutoXtended Plus and Premier policies.

AutoXtended policies cover:

  • Pets
  • Cell phone(s)
  • GPS devices
  • Emergency travel expenses
  • Bail bonds
  • Locksmith/Key replacement
  • Emergency ambulance coverage

State Auto Safety 360®

It pays to drive safe. When you're enrolled in State Auto Safety 360, the safer you drive, the more you save—up to 50% off your premium!

When you enroll, you'll receive your tag within 10 days. The tag is a small device that should be placed on the windshield of your car. Your driving data is transferred via Bluetooth to the State Auto Safety 360 Mobile app.

Download the app to pair your tag and start checking your driving score to see how much of a discount you're eligible for on your next policy renewal.

Pros

  1. Multiple coverages available for both individuals and businesses
  2. State Auto Safety 360 program allows you to save up to 50% on your monthly premium when you drive safe
  3. Low, competitive rates

Cons

  1. Must speak to agent to get a quote, not available online

Coverage options

  • Standard: All the must have basics (liability, collision, comprehensive, under-insured/uninsured motorists) so you feel secure when you're on the road. This plan allows you to add roadside assistance.
  • AutoXtended Plus: More options to customize, more coverages available.
  • AutoXtended Premier: When you need the best. Fantastic coverages with even higher limits.

State Auto car insurance discounts

State Auto provides multiple discounts that help to lower your monthly premium.

Here are some discounts you may be eligible for:

  • Multi-Policy Discount: Bundling your auto with any other type of insurance State Auto provides saves you money on your monthly premium.
  • Accident Prevention Course Discount: If you’re at least 21 years old and have a driver’s license and certificate of attendance for an Accident Prevention Course in the last 36 months, this one’s for you.
  • Driver Training Discount: If you’re under the age of 21 and driving, State Auto gives you a discount for attending a driving education course.
  • Anti-Theft Device: Those with extra security on your vehicle such as an alarm system quality for this discount.
  • Multi-Car Discount: Having two or more vehicles on the same policy may get you a discount. This includes motor homes as well as registered golf carts and off-road vehicles.
  • Paid-in-Full Discount: Save money by paying your entire policy upfront at the beginning of your policy term.

Consider State Auto Insurance if...

If you're a generally safe driver, State Auto Insurance is a great option. They award drivers who are accident-free/violation-free with up to 50% off their premium. Plus, get extended coverage for personal belongings in your vehicle such as pets and cell phones.

Consider alternatives to State Auto Insurance if...

Although State Auto does utilize modern technology for other aspects they offer (State Auto Safety 360 app), they use a network of independent agents that you must speak to in order to obtain a quote and craft a policy. If you prefer doing things online, State Auto isn't the best option for you.

What's my best insurance option?

When shopping for car insurance it's important to compare several quotes side-by-side. This gives you the best pricing & coverage options.

Fill out our short form to receive free quotes, instantly!

Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156