Expanded coverage options
State Auto offers a Standard insurance plan that allows you to customize your coverage, but also offers two additional levels of coverage packages: Protection Plus and AutoXtended® Premier.
Protection Plus offers the same coverage options as State Auto’s standard insurance, and also includes:
Accident forgiveness and minor violation coverage (your rates won’t go up after an accident or low-level driving violation)
Full safety glass coverage option
Up to $500 in cell phone coverage
Up to $10,000 in emergency ambulance coverage
$250 in locksmith services and key replacement
$500 pet coverage if your pets are injured in a car accident
Coverage for rental vehicles
Waived comprehensive and collision deductibles
The highest level package, State Auto’s AutoXtended® Premier, offers all of the above coverages, plus increased limits for some coverages, including:
Up to $1,000 in cell phone coverage
Up to $25,000 in emergency ambulance coverage
$500 for locksmith services and key replacement
$750 pet coverage
How much does State Auto car insurance cost?
State Auto is more expensive than competitors, with an average annual premium of $1,987 a year (for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident). This is almost 20% higher than the national average premium of $1,638.
Coverage amount | Average annual rate for State Auto |
|---|---|
Required state minimum | $585 |
Full coverage ($50,000/$100,000) | $1,987 |
What you actually pay for car insurance will vary based on a number of factors, including your ZIP code and your driving history. Your independent insurance expert can determine which discounts may be able to help lower your rates.
What discounts does State Auto offer?
Most car insurance companies offer a range of discounts to help you save on your auto policy. Here’s a full list of the car insurance discounts available with State Auto:
State Auto Safety 360 discount: Let an app track your driving habits and save up to 50% on your premiums for safe driving. You can get a 10% discount just for participating.
State Auto Start-Up discount: Save if you have an existing auto insurance policy with another company, then switch over to State Auto. Savings depend on how long you have left on your current policy.
Accident prevention course: If you’re 21 years old or older, have a valid driver’s license, and completed an accident prevention course within the last three years, this discount can help you save.
Anti-theft device discount: Save if your vehicle is equipped with an anti-theft system.
Driver training discount: Drivers who are under 21 can save money by completing a driving education course.
Good student discount: If you’re a full-time student with a 3.0 grade average or higher, you can save on rates.
Multi-car discount: Insuring two or more vehicles (including motor homes, registered golf carts, and off-road vehicles) on the same policy may get you a discount.
Multi-policy discount: Get a discount by bundling a home, renters, or other type of policy from State Auto with your auto insurance.
Paid-in-full discount: Pay your entire policy up front instead of monthly and save.
Remember that all discounts can vary by state, and savings and eligibility may depend on your driving record and other personal information.
State Auto car insurance state availability
State Auto offers auto insurance through independent agents in 33 states, including:
State Auto is not available in Alaska, Hawaii, California, Delaware, Florida, Idaho, Louisiana, Maine, Massachusetts, Montana, Nebraska, New Hampshire, New Mexico, Nevada, New Jersey, New York, Oklahoma, Oregon, Rhode Island, Vermont, Washington, Wyoming, and Washington D.C.
However, State Auto was purchased by Liberty Mutual in 2022, which means coverage availability could change in the future.
What to expect with State Auto car insurance
How to get a quote: State Auto requires customers to use an independent agent to get a quote. Customers who want a quote from State Auto can reach out to an independent agent in their area or they can get a State Auto quote through an online marketplace like Policygenius.
Customer service options: Once you have a State Auto policy, you can make a payment or file a claim online, but customers who have other needs (getting a copy of your policy, getting ID cards, updating your contact information, making policy changes, or canceling your policy) need to reach out to their agent directly.
How to file a claim: State Auto customers can file a claim online or reach out to their independent agent for help filing a claim.
How to cancel your policy: Customers are required to cancel their policies through their independent agent. State Auto doesn’t offer a way to cancel a policy online or through a mobile app.
