State Auto Car Insurance Review (2024)

State Auto doesn’t sell new policies anymore, following its acquisition by Liberty Mutual.

Katie Powers
Written byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 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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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 July 14, 2024

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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

Compare personalized, real-time quotes
User Reviews
2.9
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.
$112/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.
$231/mo

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

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read more driver reviews of Liberty Mutual
Wanda - July 13, 2024
Verified

Wanda

Excellent company.

Melinda - July 13, 2024
Verified

Stay Away from Liberty Mutual

Liberty Mutual starts out with reasonable rates, but then the rates double.

John - July 13, 2024
Verified

Fair

They raised my premium to a point where I could not afford it.

Best insurer for telematics: State Farm

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User Reviews
3.3
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.
$55/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.
$120/mo

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

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$122/mo

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

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Read more driver reviews of GEICO
Scott - July 14, 2024
Verified

Harley Davidson for an Old Man

I feel safe with my motorcycle.

Andrew - July 14, 2024
Verified

Policy Cancelled for Illegitimate Reason

I would definitely recommend setting up your policy over the phone with a representative, or in person if possible.

Patricia - July 14, 2024
Verified

Too Expensive!

I had one accident and my monthly rate jumped from $80.00 to $242.00. Not good!

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]

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damage from non-collision incidents, including theft, vandalism, and severe weather.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    Collision insurance pays for repairs to your vehicle if you have a car accident or collide with an object.

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/e80d4ae197/car-and-driving-96x96-gold_019-car.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/6851f98179/law-and-justice-96x96-yellow_033-lawyer.svg

    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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

StateFull CoverageLiability Only
Ohio$140$76
Washington$159$147
Tennessee$170$91
Pennsylvania$172$125
North Carolina$183$50
Illinois$197$112
Virginia$209$127
Arizona$244$145
Georgia$251$139
Florida$259$153
New York$276$190
Texas$278$136
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Liberty Mutual Insurance. "Liberty Mutual Insurance Completes Acquisition of State Auto Group."
  2. State Farm. "Be rewarded with Drive Safe & SaveTM discounts."
  3. Liberty Mutual Insurance. "Car insurance coverage types."
Katie Powers
Katie PowersAuto and Life Insurance Editor

Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts 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.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 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

media logomedia logomedia logo
Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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