State Auto Car Insurance Review (2025)
State Auto doesn’t sell new policies anymore, following its acquisition by Liberty Mutual.
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Written byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Edited byEvelyn Pimplaskar
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
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Table of contents
Prior to the acquisition of State Auto Group by Liberty Mutual, State Auto sold personal and commercial lines of insurance in 33 states through independent insurance agents. As part of the merger, more than 2,000 employees from State Auto transitioned to working under Liberty Mutual’s Global Retail Markets business unit in the U.S.[1]
State Auto has since stopped writing new personal policies, leaving the personal lines insurance market. State Auto members who maintained coverage became members of Liberty Mutual insurance companies, including Safeco. If you’re looking for coverage, you should always compare quotes from multiple auto insurance companies before buying a new car insurance policy.
State Auto Update
Liberty Mutual completed its acquisition of State Auto Insurance Companies in March 2022 through a cash deal of around $1 billion. More than 2,000 State Auto employees joined Liberty Mutual’s Global Retail Markets U.S. business unit. Through the acquisition, Liberty Mutual acquired $2.3 billion in premiums and became the second-largest insurance company operating in the independent agent space.[1]
Alternatives to State Auto insurance
Though you can’t take out a new policy with State Auto, you have plenty of options in the insurance industry to choose from. When shopping for insurance products, you should always compare each company’s quotes, coverage options, customer service availability, financial strength, customer satisfaction rankings, and online customer reviews.
Start your search below with three of the best auto insurance companies in the U.S. — all of which are great alternatives to State Auto and offer competitive rates.
Best insurer for coverage options: Liberty Mutual
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $161/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $218/mo |
3.5
A solid optionBased on 3,195 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,802)
Richard
Verified Review
Average
Reviewed in South Carolina on November 2025
Way too much hassle getting started. I just got an email for $87 a month for the same coverage.
Frederick
Verified Review
They are bad at pricing
Reviewed in New York on November 2025
After I turned 65, my insurance went up 125%. It went from $860 a year to $2400 a year for no reason.
Daniel
Verified Review
Expensive but very good/excellent
Reviewed in Georgia on November 2025
Liberty Mutual can be expensive, but they are very good at handling claims and dealing with a lawsuit against me as a result of an accident.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Given that Liberty Mutual acquired State Auto, it may make sense to purchase coverage from Liberty Mutual if you’re looking for robust coverage options. Liberty Mutual has more than a dozen auto options that go beyond standard liability insurance.
Add-on coverage options from Liberty Mutual include gap, rental car reimbursement, better car replacement, original parts replacement, lifetime repair guarantee, and teachers auto insurance.
Pros
Wide range of available discounts
Accident forgiveness available
Available in all 50 states and D.C.
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Low customer satisfaction scores from J.D. Power
Best insurer for telematics: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
4.1
Best choiceBased on 12,597 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,521)
Andrea
Verified Review
Car Insurance
Reviewed in Colorado on November 2025
More expensive than the East Coast.
Margaret
Verified Review
Expensive
Reviewed in Illinois on November 2025
State Farm has always been good to me. My complaint is the significant rise in premium costs, although I haven’t filed a claim in decades.
James
Verified Review
State Farm
Reviewed in Minnesota on November 2025
I'm glad to be with State Farm. Joe Etten's staff is excellent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Auto had the State Auto Safety 360 telematics program that helped many customers save on coverage. State Farm is a good option if you’re looking for a company with a great telematics program. Policyholders who sign up for State Farm’s Drive Safe & Save program can save up to 30% on auto coverage. You’ll need to download the mobile app to participate.[2]
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
4.0
Best choiceBased on 13,215 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,843)
Jeri
Verified Review
Mediocre
Reviewed in Texas on November 2025
My experience with insurance providers during the past few years has been mediocre. They have all been reluctant to offer discounts for low-mileage drivers, and their customer service is often handled by artificial intelligence or offshore representatives who are not fluent in English.
Meghan
Verified Purchase
Impressed with GEICO's prompt automation
Reviewed on November 2025
I like GEICO's service overall. I totally recommend GEICO insurance.
Christopher
Verified Review
Just Okay
Reviewed in New York on November 2025
My experience has been good; however, they keep raising prices and don't lower their rates for excellent drivers like myself. I pay all this money based on my credit score and not my over 10-year record of never being late, never lapsing, or anything. It's frustrating.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers more than 15 discounts that policyholders can qualify for to save on auto coverage. The company has many discounts other competitors have, such as defensive driving, anti-theft device, good student, multi-vehicle, and homeowners insurance bundling discounts. But GEICO also offers savings through discounts for airbags, daytime running lights, new vehicles, emergency deployment, and federal employees, among others.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
How Liberty Mutual auto insurance works
Similar to other auto insurers, Liberty Mutual operates by charging policyholders a monthly premium for coverage. If your car needs repairs or replacement following an accident, the company will take care of covered costs once you’ve paid your deductible.
Liberty Mutual and other car insurance companies assess risk based on various rating factors. Common factors include age, gender, motor vehicle record, claims history, credit history, occupation, vehicle make and model, and miles driven per year. Higher-risk drivers pay more than lower-risk drivers.
Liberty Mutual auto insurance coverage
Liberty Mutual offers different types of coverage and allows you to customize your auto policy from a variety of coverage options so you only pay for what you use.[3]
Comprehensive coverage
Comprehensive insurance covers damage from non-collision incidents, including theft, vandalism, and severe weather.
Liability coverage
Most states require liability insurance, which includes bodily injury and property damage liability to cover the other driver’s losses if you cause an accident. It can also cover your legal fees if the other driver sues you.
Collision coverage
Collision insurance pays for repairs to your vehicle if you have a car accident or collide with an object.
Personal injury protection (PIP) coverage
If you incur an injury in an accident, PIP insurance helps cover your hospital and medical bills, rehabilitation costs, lost income, and more.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for medical bills and helps you cover the cost of repairing or replacing your car if an uninsured motorist causes an accident.
Rental car reimbursement
If vehicle damage from an accident temporarily prevents you from driving your car, rental car coverage allows you to use a rental car, up to the selected daily limit of your policy.
Accident forgiveness
To be eligible for this type of coverage, your driving record needs to have been free of accidents and violations for the last five years. If you don’t have accident forgiveness coverage, your rates will probably increase upon policy renewal.
Better car replacement
You can buy this add-on coverage to ensure that if you total your car, you’ll be able to get the most recent model to replace it.
Teachers auto endorsement
This coverage provides teachers with savings through coverage with no deductible for collisions that occur while driving on school business or for vehicle damage from vandalism on school property.
Liberty Mutual car insurance cost by state
Influenced by a number of area-based factors, auto insurance premiums vary by state. For example, the numbers of car break-ins, accidents, and crimes in a ZIP code factor into insurance costs, as well as an area’s weather, population density, and road conditions.
Find average monthly quotes for full-coverage and liability-only insurance from Liberty Mutual in the most populated states where the company operates.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
State  | Full Coverage | Liability Only |
|---|---|---|
| North Carolina | $121 | $65 |
| Ohio | $172 | $117 |
| Pennsylvania | $176 | $159 |
| Tennessee | $203 | $121 |
| Virginia | $219 | $165 |
| Illinois | $221 | $146 |
| Arizona | $222 | $184 |
| Washington | $237 | $215 |
| New York | $332 | $90 |
| Texas | $341 | $263 |
| Florida | $398 | $387 |
| Georgia | $428 | $395 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
State Auto FAQs
State Auto isn’t an option for personal auto insurance anymore, which means you’ll need to find coverage elsewhere. The following information can help answer your remaining questions about State Auto.
Does Liberty Mutual own State Auto?
Yes. Liberty Mutual acquired State Auto in 2022 during a mutual agreement and merger.
Does State Auto write in Texas?
State Auto no longer underwrites any personal lines coverage. But Liberty Mutual, the company that acquired State Auto, does write policies in Texas. Liberty Mutual sells a number of insurance products, including auto, home, renters, and life insurance.
Who owns the State Automobile Mutual Insurance Company?
Liberty Mutual owns State Auto. The company acquired State Auto in 2022.
Does State Auto write in Florida?
No. State Auto doesn’t sell new personal insurance policies anymore. But its parent company, Liberty Mutual, does sell insurance in Florida. If you’re looking for new coverage, you should compare quotes from multiple insurance companies selling services. You’ll need to enter your ZIP code and other personal information to receive quotes.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Liberty Mutual Insurance. "Liberty Mutual Insurance Completes Acquisition of State Auto Group."
- State Farm. "Be rewarded with Drive Safe & SaveTM discounts."
- Liberty Mutual Insurance. "Car insurance coverage types."
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Katie PowersSenior Editor
Katie Powers is a Senior Editor at Insurify with a producer’s license for property and casualty insurance in New York and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
