State Auto Insurance Companies Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's State Auto Insurance Companies Score
4.5 Stars
We award State Auto Insurance Companies a final rating of 4.5 out of 5 stars. State Auto has a high rating by AM Best, demonstrating its solid financial strength over the years. The carrier is not currently rated by the Better Business Bureau (BBB) but is accredited by the organization.
The State Automobile Mutual Insurance Company was founded in 1921, giving the carrier just over a century’s worth of experience in the insurance industry. The insurance company offers several forms of coverage for farmers and businesses such as commercial and farm umbrella insurance, commercial general liability insurance, farm and ranch insurance, cyber insurance, and more.
The carrier was founded with the mission to provide affordable coverage and fair claims settlements. State Auto is headquartered in Columbus, OH.
Liberty Mutual acquired State Auto Insurance Companies in 2022. Liberty Mutual is another one of our top picks for highly recommended insurance companies. As of 2023, State Auto no longer writes new home or auto insurance policies, but many existing customers still enjoy their coverage. State Auto now sells insurance in 33 states across the U.S.
We also love that State Auto works with independent insurance agents to provide customers with the best overall insurance experience possible. State Auto provides modern services such as online claims reporting and a match-with-an-agent feature on its website. Overall, if you live in an area where coverage is available, we highly recommend looking into State Auto Insurance with your independent insurance agent to be your next trusted carrier.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
State Auto Insurance Products by Type
State Auto offers a wide variety of coverage solutions for individuals and businesses. Its products include the following:
Business Insurance:
- Commercial property insurance
- Commercial general liability insurance
- Business auto insurance
- Business owners policy insurance
- Commercial umbrella insurance
- Workers' compensation insurance
- Employment practices liability insurance
- Cyber liability insurance
- Data breach insurance
Farm & Ranch Insurance:
- Farm auto insurance
- Farm umbrella insurance
- Farm and ranch insurance
State Auto Business Insurance Average Prices
State Auto does not publish its average business insurance premium rates. Customers can get matched to a local agent through the website.
An independent insurance agent can help you get quotes and more information about coverage. You can also estimate how much a commercial policy might cost your company by using our business insurance calculator.
What Discounts Does State Auto Offer?
State Auto offers competitive discounts on its coverages, including the following:
- Bundling discounts: Offered to customers who purchase more than one type of policy from State Auto
- State Auto start-up discounts: Offered to customers who switch to State Auto from another insurer.
- Paid-in-full discounts: Offered to customers who pay their entire annual premiums upfront.
Your independent insurance agent can help you find even more information on discounts offered by State Auto Insurance and other ways to save money through the insurance company, helping you find the coverage you need at the rate you deserve.
State Auto Insurance Customer Service
State Auto allows customers to file claims online anytime. The carrier provides the following customer service options and availability:
- Phone
- Online claims reporting
- Online bill pay
- Snail mail
- Online contact form
The customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 a.m. - 7 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
The best way to handle your customer service needs is to work with an independent insurance agent. Independent insurance agents help make customer service easier for you by handling claims and other concerns.
Connect with a State Auto Agent Today.
Shopping for insurance? State Auto has you covered.
State Auto Insurance FAQs
State Auto allows customers to file claims at any time online. However, the carrier’s official website does not provide a specific claims response time frame.
State Auto provides online claims reporting for its customers, but no phone claims reporting. The customer service department is available at extended hours on weekdays. The carrier also has a comprehensive social media presence on Facebook, X, Instagram, YouTube, and LinkedIn, making it even more accessible to customers.
State Auto’s official website details the process for auto insurance claims in simple terms. The customer first gets assigned to a claims professional who gathers more information about the claim. The claim is then evaluated, which can include a professional inspection of any damage. Next, any necessary repairs are scheduled. Finally, the claim is resolved and the payout is scheduled.
Customers can get in touch with their independent insurance agent or the carrier to check on the status of an existing claim.
State Auto’s website has a clean layout and is simple to navigate. Customers can locate important information quickly. The website could be improved by including a bit more information about the carrier's insurance policies. The carrier provides a broken-down claims process and makes filing simple.
The insurance company offers modern customer service options such as online bill pay and find-an-independent-insurance-agent features. State Auto also has a strong presence on social media, overall making for a user-friendly experience.
State Auto provides a good selection of coverages, including cyber insurance. The carrier’s cyber insurance policies offer the following features and coverages.
- Data restoration
- System restoration
- Data recreation
- Loss of income
- Public relations
- Cyber extortion
Your independent insurance agent can help you find even more information about State Auto’s cyber policies, as well as its many other available coverages.
State Auto has been around for a century and is highly rated by AM Best and the BBB. The insurance company was acquired by Liberty Mutual in 2022, which is one of our top picks for quality insurance. State Auto also offers a good user-friendly experience for its customers and works with independent insurance agents. Overall, State Auto does qualify as a good insurance company.
State Auto's insurance products may be right for business owners, professionals, and farmers in search of various commercial or farm coverage. The insurance company stopped writing new homeowners and auto insurance policies in 2023. However, the carrier still offers many commercial and farm insurance policies in 33 states.
https://www.stateauto.com/
https://www.bbb.org/us/oh/columbus/profile/insurance-companies/state-auto-insurance-companies-0302-2994